Tammy Reynolds
Leominster
Summary
Motivated professional eager to embrace new challenges. Demonstrates strong work ethic and adaptability, with proven interpersonal skills. Capable of working independently and rapidly acquiring new competencies.
Overview
23
23
years of professional experience
Work History
AOI Operator
NeoTech
Westborough
11.2024 - Current
- Perform inspection of product run through Automated Optical Inspection equipment as it is manufactured on the SMT line. Log defects in to system and send to rework. Reinspect board once returned from rework. Communicate with SMT line and engineers as needed.
- Perform inspection of product run through Automated 5DX x-ray inspection equipment as it is manufactured on the SMT line.
Mechanical Assembly
NeoTech
Westborough
09.2022 - 11.2024
- Assembly of mechanical housings, systems and hardware for both stand-alone products, products containing printed circuit board assemblies as well as mask and prepare circuit board assemblies for coating. Primary work is conducted while standing utilizing small hand tools (powered and manual), machinery and applicable materials.
Mortgage Closer
Celebrity Home Loans/Midwest Equity
OakBrook Terrace
10.2020 - 03.2022
- All aspects and responsibilities applicable to a mortgage closer in scheduling and preparing mortgages Including, but not limited to:
- Manage daily pipeline to ensure that all assigned loan applications close and fund promptly and meet all investor, regulatory and legal requirements.
- Ensure the loan software and posting journal are updated with the closing date
- Once the loan is clear to close, contact the title company to schedule the loan closing
- Organizes and maintains scheduling for loans in mortgage lending
- Communicate with processors, loan officers and title company to obtain all documentation needed to prepare closing disclosure and closing package prior to closing
- Generates Closing Disclosures and closing documents on mortgages in a timely and accurate manner, following TRID guidelines
- Update closing disclosure and other paperwork as needed to prepare loan for closing
- Performs a pre-funding audit of all mortgage files ensuring data integrity, loan documentation and compliance requirements are met
- Review signed closing documentation for accuracy, request the wire funds and release funding authorization.
- Provide exceptional service to all customers internal and external while maintaining accuracy and quality.
- Remote Employee
Mortgage and Home Equity Closer
Workers Credit Union
Fitchburg
09.2018 - 10.2020
- All aspects and responsibilities applicable to a mortgage/home equity closer in scheduling and preparing mortgages/home equities Including, but not limited to:
- Performs a pre-funding audit of mortgage and home equity files
- Ensure the loan software and posting journal are updated with the closing date
- Once the loan is clear to close, contact the borrower, branch or attorney to schedule the loan closing
- Organizes and maintains scheduling for loans in mortgage lending
- Communicate with attorneys, branches and borrowers to obtain all documentation needed to prepare closing disclosure and closing package prior to closing
- Generates preliminary and final Closing Disclosures and closing documents on mortgages and home equities in a timely and accurate manner, following TRID guidelines
- Pull a soft credit report (LQCC) to verify no major changes in credit has occurred
- Create manual escrow analysis as needed for construction loans
- Pull and complete UCD report weekly to prepare loans to be sold to FNMA
- Help borrowers understand basic information regarding their closing disclosures
- Update closing disclosure and other paperwork as needed to prepare loan for closing
- Performs a pre-funding audit of all mortgages and home equity files ensuring data integrity, loan documentation and compliance requirements are met
- Orders payoffs as needed for First Mortgages and Home Equities
Home Equity Processor/ Closer
Workers Credit Union
Fitchburg
06.2017 - 09.2018
- All aspects and responsibilities applicable to a home equity processor/closer in preparing and scheduling home equities Including, but not limited to:
- Once the loan is clear to close, contact the borrower or branch to schedule the loan closing
- Organizes and maintains scheduling for all home equities
- Communicate with branches and borrowers to obtain all documentation needed to prepare closing disclosure and closing package prior to closing
- Generates preliminary and final Closing Disclosures and closing documents on home equities in a timely and accurate manner
- Help borrowers understand basic information regarding their closing documents
- Update closing disclosure and other paperwork as needed to prepare loan for closing
- Performs a pre-funding audit of all home equity files ensuring data integrity, loan documentation and compliance requirements are met
- Orders payoffs as needed prior to preparing closing documents
Loan Poster-Mortgage Lending
Workers Credit Union
Fitchburg
11.2008 - 09.2018
- All aspects and responsibilities applicable to a loan processor in preparing, scheduling and posting loans Including, but not limited to:
- Funding attorneys for closings
- Posted home equities, first mortgages and construction loans in COCC
- Handled internal and external payoffs
- Scheduled Home Equity closings
- Ensure loan software and posting journal are updated with the date.
- Generated the closing home equity documents utilizing the loan software.
- Monitored receipt of title report and property condition report. Review for discrepancies needing an underwriter’s review
- Set up Home Equity Loan contracts in Loan Writer
- Prepares payoff letters, notify branches of closing
- Handled modifications as needed to reduce or close credit lines
- Posting of City of Fitchburg loans
- Assisted with the balancing of Mortgage Processor GL's
- Posted FNMA Sales
- Posted Business loans in COCC prior to Commercial Lending taking over
Loan Processor-Consumer Lending
Workers Credit Union
Fitchburg
11.2008 - 08.2012
- All aspects and responsibilities applicable to a consumer loan processor in posting consumer loans Including but not limited to:
- Opened membership accounts as needed
- Posted AAA, CUDL, Checking Account Lines of Credit and Heat Loans
- Funded CUDL dealers
- Assisted with AAA and GAP general ledgers
- Scanned loan documents into SYNERGY
Member Service Representative-Call Center
Workers Credit Union
Fitchburg
03.2006 - 11.2008
- Answered incoming calls from members and Workers' Credit Union co-workers
- Opened membership accounts as needed
- Assisted members with questions and concerns on their accounts
- Made loan payments and account transfers per member request
- Cross-sold WCU account and services
Mortgage Processor
Amerihome Mortgage Company
Marlborough
10.2002 - 01.2006
- All aspects and responsibilities applicable to a mortgage processor in clearing conditions and stipulations to accomplish a cleared to close, to include, but not limited to:
- Pulled credit reports and set up loan files
- Transmitted loan package to underwriting
- Communication with underwriters, borrowers, attorneys and closing agents in preparation of closing and final title documentation
- Obtained Verification of Employment, Verification of Mortgage and Verification of Deposit
- Clearing conditions and/or stipulations
- Prepared denial or withdrawal letters to borrowers as required
- Prepared invoices for all incoming bills and updated closed files in the computer system
Education
GED -
Mount Wachusett Community College
Gardner, MA05-1998
Skills
- Koh Young
- YesTech
- AEGIS
- ESD requirements
- IPC-A-610 Modules
- Accuracy
- Strong verbal communication skills
- Strong written communication skills
- Proficiency in Excel
- Proficiency in Microsoft Word
- Proficiency in Outlook
- Proficiency in Microsoft Teams
- Faxing
- Photocopying
- Exceptional organizational skills
- Use of loan processing software programs
- Encompass
- Mortgage Click
- FSBA
- APPRO
- COCC
- Loan Writer
Timeline
AOI Operator
NeoTech
11.2024 - Current
Mechanical Assembly
NeoTech
09.2022 - 11.2024
Mortgage Closer
Celebrity Home Loans/Midwest Equity
10.2020 - 03.2022
Mortgage and Home Equity Closer
Workers Credit Union
09.2018 - 10.2020
Home Equity Processor/ Closer
Workers Credit Union
06.2017 - 09.2018
Loan Poster-Mortgage Lending
Workers Credit Union
11.2008 - 09.2018
Loan Processor-Consumer Lending
Workers Credit Union
11.2008 - 08.2012
Member Service Representative-Call Center
Workers Credit Union
03.2006 - 11.2008
Mortgage Processor
Amerihome Mortgage Company
10.2002 - 01.2006
GED -
Mount Wachusett Community College