Amanda Spriggs

Processed all escrow functions for in-house credit union loans with escrow accounts setup on FICS servicing system. Created, researched, finalized, and mailed initial, annual, short year, and other miscellaneous analysis batches to include surplus checks when applicable.

Managed a portfolio consisting of 100 to 150 loans that were 90+ days delinquent. Collected required documents and calculated income, monthly housing expenses, and debt-to-income ratio to determine if borrowers pre-qualify for a modification.

Prepared curative documents such as Trust Certification Affidavits, Judgment Affidavits, Marital Settlement Proceeds Affidavits and Resolutions. Developed and implemented comprehensive loss mitigation strategies resulting in an additional $500,000 in monthly revenue for the company.

Processed insurance-related documentation queues by verifying data and updating system of record to ensure accuracy and completeness of database. Gathered all necessary information to evaluate commercial insurance needs against available insurance products for each client.

Generated revenue by coaching staff on effective prospecting and lead development strategies. Managed production across three manufacturing plants and developed company Standard Operating Procedures.

Reviewed, examined, and underwrote commercial loans to ensure soundness, business value, and compliance with company and investor standards. Managed the on-site process of buying and selling non and under-performing loan portfolios.

Provided processing for refinances, originations, and debt consolidations. Evaluated debt ratio, loan value ratio, credit review, property valuation and various loan factors.

Understood RESPA compliance laws and disclosed on conventional and government loans including USDA and VA. Audited and reviewed files, and offered systems training to new employees.

Oversaw planning, coordination, and presentation of events. Developed marketing strategies including online and written publications.

Completed a Bachelor of Science in Sociology with a minor in Social Work. Also obtained a certification in Gerontology, enhancing understanding of social structures and individual well-being.