Caroline Evans9911 Cervine Lane Apt.101 Randallstown, MD 21133 443-762-6509 (cell) E-mail: carolyne.evans@gmail.com

Personal Summary

Proven leadership in the financial services industry. Current and previous experience with cross sector exposure. Strong strategic appreciation and vision, with the ability to build strong working relationships to achieve strategic operational goals. Experienced and easily learns financial lending and banking software. Sets targets and aim to leads by example with a collaborative approach. Solid interpersonal and customer service skills to engage, motivate and encourage others while leading by example.

Highly focused with a consistent track record of successfully managing time and meeting deadlines. Currently looking to expand into a career with greater leadership responsibilities and to maximize the utilization of my skills set while simultaneously meeting the goals of the organization .

Work Experience

Tower Federal Credit Union- Laurel, MD Mar. 15-PresentCredit Card Representative

My current position within the corporation is working within Deposit Services as a Credit Card Representative I. Within my current position, my responsibilities consist of managing and verification request and report productions along with researching various control protocols.

Duties:• Processing and completion for balance transfers• Research and processing of M & T lockbox to submit and apply credit payments to the appropriate members

accounts• Responsible for reversing interest charges, late fees, and refunding of credit balances to member credit card

accounts• Verification of all new credit cards generated• Processing of new credit cards loans using LoansPQ software for credit card increases• Balancing general ledgers and handling of depositories for credit payments, fee reversals and credit balance returns• Research applicable statutes, directives, regulations, and review of manuals and study policies and procedures for

areas being audited • Perform a range of functions in conducting and reporting of work productions for any audit engagements• Gathering and analyzing daily, weekly and monthly data using company software to complete daily work

productions• Research all credit card disputes and fraud alerts• Completed and updated members information to avoid bad mail return

Tower Federal Credit Union- Laurel, MD Nov. 14-Mar. 15Member Service Representative I

Conducting this short-term position within the company allowed me to learn the front end of the banking industry. As a Member Service Representative, I welcomed new members, provided assistance towards issue resolution, open/close accounts and complete loan application for financial products. Enjoyed the day to day to assist credit union members with financial needs, account services, loan options and savings products allowed me to improve my banking knowledge for the credit unions products and to improve my customer service and interpersonal skills.

Duties:• Open new accounts and service existing accounts; provide general and specific service-related information

concerning the credit union products and policies.• Cross-sold credit union products and services• Interview members to assess financial needs recommend appropriate products, and services. • Evaluates and underwrites loan applications for all types of consumer auto loans and home equity loans. • Performs file maintenance, process request from members to transfer funds, allocations, withdrawals, and CD

transactions. • Determine creditworthiness of applicants, complete loan recommendations documentation for approval.• Provide guidance to members in selection of appropriate savings, IRA and loan products. • Process wire transfers; redemption of savings bonds assisted members with information for investment alternatives,

researched accounts for deposits, withdrawals and loan-payment discrepancies.• Comply with Bank Secrecy Act and SAR requirements

Tower Federal Credit Union- Laurel, MD Feb. 09-Nov. 14(Tower Title Services)Title Loan Processor/Title Producer

While maintaining the position as a Title Processor there were various job functions that I was responsible to complete daily. I maintained closing 20 to 35 loans per month due to my efficient and effective work ethics and extensive experience in the Real Estate industry I always completed daily work duties in a timely manner. Duties:

• Settlement officer and title processor for FHA, VA and Conventional loans for purchases and refinances

• Reviewed loan files for quality assurance, lender mortgage documents, and post-closing loan files for disbursement

• Responsible for title examination, preparation and quality control title documentation, including issuing title commitment and final loan policies to the lender

• Processed and closed loan files averaging 20 to 35 loan files per month

• Cleared all title stipulations for an successful closing

• Prepare reports in Excel, analyze mortgage security recording distributions and update tracking and recording dismissals

• Licensed Title Producer conducting refinancing and purchasing closing transactions

• Issuing of final loan title policies through vendors

• Tracks closed loan packages to ensure timely receipt from settlement agents.

• Receives each closed loan package, upon its return, from the settlement agent for completeness and accuracy.

• Coordinates the specifics of settlement with all involved entities

• Responsible for compliance with rules and regulations including but not limited to Bank Secrecy Act.

• Reviews preliminary settlement statements from settlement agents and makes necessary adjustments, as needed, to provide final HUD-1 approval.

Law Offices of Bronson & Migliaccio- Glen Burnie, MD Nov. 07 – Apr. 08Collector II

Conducting a position as a Collector II the various responsibilities required me assist customers and vendors with issues and request. My daily duties allowed me to improve my customer relations skills and provide customer service to resolve outstanding debts.

Duties• Responsible to handing inbound/outbound calls daily

• Collector experience with LexisNexis, Accurint and skip tracing software

• Reviewed and responded to delinquent accounts, analyzed client payment history, verified employment, implemented automated payments and resolved delinquent accounts

• Responsible for implementing and ensuring the proper usage for Fair Debt Collections Practice Act (FDCPA)

• Analyze consumer credit reports for additional contact and resource information

Property Title & Escrow, LLC- Baltimore, MD Dec. 04 – Apr. 07Senior Loan Processor

During my extensive experience in mortgage loan processing, I have established professional and dedicated service to assist vendors and customers throughout the financial process to ensure a productive and timely closing. While conducting leadership and interpersonal skills, I managed and trained processor to ensure an effective work environment.

Duties• Comprehensive knowledge of preparation of the HUD-1 settlement statement to include compliance laws for

lenders to comply with lenders instructions, through final loan disbursement• Responsible for reviewing loan documents and responding to post-closing issues prior to final closing/collateral

packages• Responsible for ordering and reviewing real estate title work in order to process title commitments for the lender

• Managed and training of newly hired and existing loan processors

• Responsible for monthly reports to ensure vendor satisfaction and monthly productivity

Resource Title Company- Owings Mills, MD Jul. 04 – Nov. 04Title Processor (Part-time)

As an entry-level title processor, I successfully completed training modules to assist me improving my knowledge and allowing me to assist senior loan processors to complete closing loan files in a timely manner.

Duties• Updated employment verification resources and submitted final loan stipulations to clients for loan approval

• Order mortgage loan payoffs, credit card and title lien payoffs

• Prepared title commitments and final loan policies

• Post-closing duties to satisfy closing packages to return to vendors

• Scheduled files for final loan closings

• Conducted and witness final loan closings

Chesapeake Appraisal/Settlement Services- Columbia, MD May 02 – Oct. 04Loan Processor/Team Leader

While maintaining leadership skills and to ensure a productive workplace environment my various duties consist of team building skills to ensure a productive work performance. Completed quarterly reviews and help supervise effective customer service skills towards clients and vendors.

Duties• Managed and trained loan processor to perform efficient job duties, consultant loan officers and lender with the

borrower needs and concerns to tailor a loan program• Responsible for ensuring a fast and efficient closing, while producing exceptional loan closings averaging 200 to

250 loan closings per month• Compiled Excel reports designed to track monthly loan process, settlements, scheduled loans and quarterly reports

relative to departmental statistics and resources• Responsible for reviewing and responding to post closing issues and request from borrowers and lenders for

amendments to loan terms and modifications to loans• Responsible for approving final settlement statements (HUD-1) and evaluated final loan documents prior to loan

disbursements• Monitor day-to-day loan closing occurrences related to closing transactions and preparing transaction/project

reports • Conducted final loan settlements for refinances transactions• Successfully managed, settled and processed mortgage transactions consisting of FHA, VA and Conventional loans

programs with comprehensive knowledge and understanding of Federal Government programs

Ameriquest Mortgage- Catonsville, MD Jun. 99 – Mar. 02Loan Officer

Successfully adhered to customer service to counsel and assist borrowers with the request of refinancing financial needs. The completion of loan applications and credit report reviewing help to ensure affordable and beneficial loan program to assist with borrower’s needs.

Duties• Responsible for interviewing and counseling applicants to determine their financial eligibility for loans and loan

repayment policies• Monitored and reviewed borrowers credit profile to determine eligibility and notifying the manager of any

occurrences through the final loan approval • Successfully managed, settled and processed mortgage transactions consisting of FHA, VA and Conventional

loans programs• Established repayment plans and updated existing loans and inputting loan eligibility and qualifications into the

loan database for loan programs and approvals• Maintained, reviewed and updated account records for quality insurance of loan applications

• Proficiently utilized comparable market analyses information and standard valuation procedures to design loan programs comparable to the market value, assets and qualifications

• Counseled clients on financial problems, and established payment plans for debt liquidation.

Law Offices of Mitchell & Kay- New York, NY Nov. 96 – May. 99Collections Supervisor

Complied and administered training to employees, and monitored the weekly performance to adhere to goals to improve company portfolio. Provide monthly and quarterly reports to management to ensure employees productivity and to ensure

the satisfaction of vendors. Duties

• Reviewed and evaluated vendors asset portfolio for distribution of workflow to employees

• Responsible for training employees on debt recovery and to enforce and assist with proper usage of the Fair Debt Collection Practice Act (FDCPA)

• Consulted with clients the legal requirements and obligations for debt recovery

• Consulted standard operating procedures to retrieve debtor and property statistics

• Fostered cooperative relationships with private and public agencies to receive information relevant to securing payments and updating account records

• Collect and post debtor payments, established new payment plans, and updated existing payment schedules to assist debtors

• Compiled follow-on documentation for debt recovery and assisted in coordinating and executing the timely and accurate collection of customers’ accounts and account payments.

Education/Accreditations

University of Phoenix, Phoenix, AZ (Columbia Campus) Bachelor Degree Dec. 2015Bachelor of Science, Business Management with a Concentration in Accounting (BSM/ACC)

Sarah J. Hale High School, Brooklyn, NY June 1994High School Diploma

Title Producer/Closer (Maryland Dept. of Labor, Licensing & Regulation) November 2010

Notary (State of Maryland) June 1999- Present

BSA/OFAC Annual Certificates

COMMUNITY AFFILIATIONS

Owings Mills Parks & Recreation Center Nov.2012-PresentCommittee

References

As Requested

Willing to Relocate