Tori Tarver Email & Phone Number

South Jordan, Utah, United States

Greater Salt Lake City Area

Greater Salt Lake City Area

• Analyze employment, credit, income, and assets according to investor and agency guidelines. • Review appraisals to ensure report is accurate, value supported, and the collateral is acceptable.• Evaluate credit packages that are outside of the AUS parameters for FHA, VA and USDA.• Assess risk and make a quality decision on each loan based on investor and secondary guidelines.• Maintain expert knowledge of all agency guidelines and over 20 investor guidelines.

Greater Salt Lake City Area

• Maintained thorough knowledge of loan documents, loan products, and underwriting guidelines.• Evaluated assets, credit reports, appraisals, title, and income were complete and met guidelines.• Reviewed appraisals/title reports to determine property met investor requirements. • Mentored and trained all processors to ensure quality assurance methods were maintained.• Demonstrated efficient communication throughout the loan process with all parties.

Greater Salt Lake City Area

• Responsible for training in loan processing methods and multiple state regulations.• Managed funding risk exposure, ensure regulatory compliance and maintain quality control.• Identified and recommended alternatives regarding loan structuring and financing solutions.• Lead daily operations for processing, closing, post-closing, and quality customer service.• Created pre-underwriting plan to determine the best recommendation based on client’s ability to repay the loan.

Greater Salt Lake City Area

• Processed 30-40 FHA and VA loans per month while maintaining excellent quality assurance.• Evaluated borrower’s employment, debt, income, assets, and credit history adhere to guidelines.• Reviewed and approved fellow employee’s loan packages to ensure completeness and quality.• Assisted manager and a team of eight to ensure quality loan processing while increasing overall efficiency and accuracy.

Greater San Diego Area

• Managed a pipeline of 80-120 FHA, VA, and Conventional loans. • Cleared title issues such as judgments, liens, and subordinations to ensure deadlines are met. • Maintained over 98% quality files monthly and consistently exceeded required daily submissions. • Assessed credit worthiness by reviewing financial statements, credit reports, and applicable ratios in order to prevent profit loss.

Idaho Falls, Idaho

• Managed a pipeline of 30-40 FHA and Sub-prime applications at a time. • Originated and refinanced mortgages, HELOC’s, and secured loans. • Wells Fargo Top Performer regionally, ranked fourth nationally, and top district performer.