- 315 Freyer Dr NE Ÿ Xxxxxx, XXXXXX xxxxxx ( (xxx-xxx-xxxx * abc@xyz.com

(Date)

(HR Department

Name of Company/Recruitment Firm

Street Address

City, State, ZIP code

Job Reference Number, if any)

Dear Hiring Manager,

        In response to a job vacancy posting for the position of ________________, I am pleased to tender my application to become part of your team. My resum is attached for your review and consideration.

What I offer is my baccalaureate degree in Accounting with over 35 years providing high-performance operations & customer service management in compliance management and loan/mortxxxxxxge processing for the funding and property management businesses. I have recently worked with the Municipal Employees Credit Union of Baltimore as a Mortxxxxxxge Funder/Post-Closer, following a tenure at Covahey, Boozer, Devan & Dore as Compliance Analyst, Foreclosure & Evictions. For more details, including my earlier experience, please take a moment to go through my resum .

In leveraging my mortxxxxxxge loan processing and administrative competencies, I bring to the table my personal strengths that include a passion for achieving business objectives through people-centric and efficiency-driven work excellence. I also offer my business-aware social and interpersonal communication skills that help build professional relationships with my clients while fostering a harmonious collaborative work environment with colleagues in achieving shared commitments.

I am confident that my education, experience, and personal strengths qualify me as a suitable candidate for the vacancy, one who can help achieve your objectives as part of your team. Should you need further clarification, or would prefer to schedule an interview, please do not hesitate to reach me through my phone or email address indicated in the heading. Thank you for considering me, and I look forward to hearing from you soon.

Sincerely,

YYYYYY X. YYYYYY

Attachment: Resum

- 315 Freyer Dr NE Ÿ Xxxxxx, XXXXXX xxxxxx ( (xxx-xxx-xxxx * abc@xyz.com

Mortxxxxxxge/Loan Sales (Financial Services)

Qualifications Profile

    Highly self-motivated and results-driven solutions thinker and management professional in loan/mortxxxxxxge processing with more than 35 years in the banking/financial service sector.

    Proven dedication to process efficiencies in compliance management, loan processing, credit eligibility analysis, and customer service, earning several company awards for exceeding performance expectations.

    Excellent communication skills that maintain customer accounts and relationships while fostering performance excellence with colleagues in achieving shared business objectives. .

Professional Experience

    Managed pre- and post-closing routines for Home Equity Loans, Lines of Credit, and First Mortxxxxxxges, finalizing loan packages, completing accounting entries for fees, income, loan funding, and escrow accounts, updating databases for reporting and deed tracking purposes, and wiring escrow funds to 3^rd party service providers.

    Processed payoffs of home equity loans and prepared Certificates of Satisfaction, collaborating with Accounting to standardize/streamline journal entries associated with money wires and post-closing disbursements.

    Partnered with an online appraisal management company to ensure compliance with appraiser assignment as well as establishing appraiser selection criteria, and configuring with FNMA and FHLMC to upload appraisals to their portals.

    Provided support in reviewing foreclosed loans and evictions to ensure completion as per client and investor requirements, while ensuring compliance with timelines and milestones as well as government regulations.

    Consistently delivered world-class service in promptly responding to client requests for documentation.

    Reviewed closed mortxxxxxxge loans for compliance with requirements for disclosure, processing, underwriting, appraisal and closing as well as adherence to state, federal and banking regulations.

    Provided monthly reports on loan reviews with recommendations for training and procedural changes as needed.

    Re-verified employment for authenticity of bank statements, and reviewed field appraisals.

    Processed and closed loan applications within a 45-day window, assessing compliance and qualification, reviewing appraisals, credit reports, as well as personal and corporate tax returns for submission to Underwriting, ensuring correct pricing of loans and re-disclosure as required, and contacting clients for additional financial documentation as needed.

    Scheduled, processed and personally interviewed applicants to assess loan eligibility in purchasing Ryan Homes, evaluation client assets, credit, income, and specific mortxxxxxxge needs.

    Notified Ryan Homes & management on new program guidelines and pipeline status averaging 80+ loans per month.

    Managed sales team performance through mortxxxxxxge training and loan volume management for timely loan closings.

Education & Credentials

    B.S. in Accounting, University of Maryland Baltimore, MD (1977)

Professional Training & Certifications

    Licensed Mortxxxxxxge Loan Officer (Exp 2010) | Licensed Title Producer (2002 2004)

Technical Skills

    FHA, VA, and Conventional Loan Programs, Fiserv Director, Encompass, CaseAware, MiserBA, Loans PQ, Prologue Financial Accounting, LPS, Mercury Network, and MS Office

Awards & Recognition

    3 WIT (Whatever It Takes) Awards for service above and beyond, MECU of Baltimore

    President s Club Award (7x) for surpassing corporate goals in loan capture rate & customer service ratings, NVR

    Direct Endorsement designation from FHA

Professional Affiliations & Community Involvement

    Volunteer: Humane Society of Maryland and the SPCA | Pet Finders in Charleston, South Carolina.

    Volunteer: Meals on Wheels | Maryland Food Bank | Blood Donor