Matlock Jr.- Resume
- 1. 7 5 2 4 E XM OU TH DR IV E • R ICH M OND, V A 2 3 2 2 5 P H ONE ( 8 0 4 ) 2 1 8 - 2 4 6 6 • E - M A IL TM A TL OCK J R @ Y A H O O. COM T O N Y M A T L O C K J R PROFESSIONAL PROFILE Highly organized analytical professional with superior goal setting, decision-making, and problem solving skills. Solid reputation for being able to excel in changing environments and adapting to diversity in all its forms. Adept in analyzing data, risk management, underwriting, collections, loan closing, mortgages, loan processing, handling multiple projects at once, and liaising with stakeholders to complete tasks. Keeps pace with changes in various industries and evolving needs. Strong ability to identify, develop and sustain a network of people and other resources for tasks. Able to execute strategic initiatives in a methodical approach. PROFESSIONAL EXPERIENCE June 2015 – August 2015 SunTrust Mortgage (Apex) – Richmond, VA IT Support Specialist/End User Performed intake activities to the support of end-users. Guided, educated and resolved problems from loan officers, closers, originators, underwriters, Processors, and loan officers assistants. Followed established methodologies and procedures to determine end-users problems and provide a solution. Work with the outside vendor(Black Knight) to coordinate fixes related to user issues or system defects Interact with production services, software systems engineering, applications support, and/or applications development to restore service and/or identify and correct core problem. Assisted in the testing of new application versions, fixes and enhancements with Empower & Lending Space LOS systems. Worked with users to document required changes to the system and translate those requirements into an application solution. Worked with users to document required changes to the system and translate those requirements into an application solution. March 2011 – February 2015 Mariner Finance – Chester, VA Assistant Branch Manager/Loan Officer Managed the daily operations of the branch; pro actively reviewed daily levels of staff coverage, monitored and approved daily expenditures, handled cash draw management and daily branch deposits. Originated Loans via online and phone loan applications. Assessed clients credit risk by verifying and analyzing credit reports from three major credit bureaus. Analyzed delinquent and non-reporting trade lines over past 60 days Processed Loans, by verifying income, employment and residency along with determining client’s debt to income ratio. Underwrote loans that involved combining debt to income ratio, FICA scores, and loan to value before determining client’s credit approval for potential loan. Closed loans by scheduling loan closings at local branch, reviewed and provided loan details from loan agreement, sales contract, optional protection forms, and right to rescind Servicing loans 30 to 180 days delinquent by working out effective repayment options in addition to reviewing accounts facing charge off. Outside marketing by visiting existing and new businesses and vendors to maintain and establish business relationships. Internal sales by recommending counteroffers of additional loan and banking products.
- 2. June 2010 – February 2011 SunTrust Bank – Richmond, VA Mortgage Compliance RESPA Specialist Handled mortgage compliance regulatory requests and inquiries from clients in Retail, Broker, and Correspondent areas. Ensured timely implementation of controls. Monitored system processes to ensure that data in the system is accurate and up to date and resolved issues with HUD 1 & GFE in a timely manner. Assisted with loan servicing compliance audits including setting the audit scope as well the implementation and procedural changes for RESPA, TILA, MDIA and other Regulatory requirements. April 2006 – May 2010 CitiFinancial Inc. – Ashland, VA Branch Manager/Mortgage Loan Officer Managed the daily operations of the branch; reviewed daily levels of staff coverage, monitored and approved daily expenditures, handled cash draw management and daily branch deposits, daily, monthly and quarterly loan goals, forecasted and projected branches profit and loss, and delinquency. Trained loan officers on loan and insurance products. Supervised and coached teams on the proper behaviors, sales techniques, service expectations and compliance guidelines. Developed new business, retained customer, managed loan portfolios as well as originated, closed, processed, and serviced all personal, auto, and real estate loans. Approved personal loans, equity loans, first and second mortgages by adhering to extensive underwriting guidelines. Closed real estate, personal and auto loans in the branch. Communicated and assisted clients process loan documents (note, deed of trust, credit life, disability forms right of rescission, appraisals, title search, GFE, HUD1, RESPA/TILA) Ordered, recorded and notarized deed of trust, cleared title on title search, reviewed appraisal comparisons. Processed Loans, by verifying income, employment and residency along with determining client’s debt to income ratio. Evaluated income challenged consumers to determine loan modification eligibility for loss mitigation. Responsible for making sound credit decisions for clients ensuring consistent application of underwriting standards for personal loans, auto secured loans, sales finance accounts and mortgage loans. Analyzed and handled credit and delinquency decisions related to complex accounts. EDUCATION 2004 - 2005 ITT Technical Institute Midlothian, VA Major: Electronic Engineering (Expected May 2017) SUMMY OF SKILLS & COMPETENCIES Microsoft Word PowerPoint Excel Loan Underwriting Real Estate Appraisal Post Loan Closing Mortgage Originating Credit Analyst Insurance Sales Loan Modification Title Clearance Mortgage Closing Mortgage Processing Financial Services Auto Financing Outlook Deed Recording Mortgage Compliance Management-Trainer Banking Collections