Teresa Scales

Upheld a strong acumen and understanding of RESPA and TRID compliance guidelines and timely disclosure requirements. Managed company pipelines for initial disclosure and final disclosure sets, change of circumstances, and notices, ensuring proper disclosures were sent within the proper time frame. Reviewed Loan Estimates, Closing Disclosures, and disclosure packages for compliance prior to sending

Reviewed, processed, and followed up on various brokerage and non-brokerage account requests, including asset movement, IRA distributions, and alternative investment processing. Interacted with clearing firms on routine brokerage account processing requests, providing timely updates in contact management and workflow systems. Responded to incoming requests from internal and external customers, inc

Recruited Field Agents to enhance Field Pro’s areas of coverage and increased revenue. Assisted operations manager with monthly agenda and carried out monthly operational initiatives. Identified areas of opportunities for field pros quality service marks and monitored no coverage areas, quickly staffing these areas with suitable agents.

Completed loan origination for all loan types, including Conventional, FHA, and VA loans. Calculated loan figures, organized paperwork, and met with applicants to pre-qualify and process loans. Marketed loan products to realtors, builders, and clients, coordinating essential supportive relationships with lenders, appraisers, and title companies.

Comprehended and delivered knowledgeable sales and product information across all product lines, consulting clients throughout the home purchase and refinance options process. Displayed comprehensive knowledge of a multitude of mortgage banking programs, products, and services to facilitate varying client needs. Reviewed appraisals, income, assets, credit reports, and title conditions in accordanc

Selected, interviewed, trained, developed, and managed a sales team. Evaluated debt ratio, loan-to-value ratios, credit score, property valuation, and various other factors. Assisted borrowers with credit restoration and managed mortgage loan officers, performing daily administrative and operational duties.