Graduate student in Human Behavior Studies seeking a position utilizing my professional skills and experience. Demonstrates positive, proactive, and culturally respectful communications to diverse populations. Effective in one-on-one and group interactions. Provide counseling, empowerment, and intervention services to youth for behavior and development.

1. Erica Sims
212 Warner St.
Rock Hill, SC 29730
803.524.0332
Simse3@mailbox.winthrop.edu
OBJECTIVE
Graduate student in Human Behavior Studies seeking a position utilizing my professional skills and experience.
Demonstrates positive, proactive, and culturally respectful communications to diverse populations. Effective in one-on-
one and group interactions. Provide counseling, empowerment, and intervention services to youth for behavior and
development.
EDUCATION
Master of Science, Human Behavior- General Studies in Human Behavior GPA: 4.0
Capella University, Minneapolis, MN Graduation Date: October 2017
Bachelor of Science, Business Administration - Management
Winthrop University, Rock Hill, SC Graduation Date: May 2009
PROFESSIONAL SKILLS
Exceptional Customer Service: Excellent oral and written communication skills with the ability to listen and resolve
conflicts
Organized and motivated: able to implement decisions and set effective priorities to achieve immediate and long term
goals
Adaptable to new technology: extensive computer training on Microsoft office and other database systems
Ability to train individuals and diverse groups through practical and theoretical understanding of management and
company concepts
EXPERIENCE
Founder and Nonprofit Director. (C.H.A.N.G.E.) Rock Hill, SC September 2014- Current
-Mission is to improve and empower young women’s lives by providing the foundation and knowledge in order for one to
obtain the skillset to become successful
-Proactively managing and directing the nonprofit organization working with young ladies ages 11-18 years old from
various backgrounds
-Counseling: perform one on one counseling sessions along with group counseling sessions
-Mentoring and tutoring young ladies
-Conducting empowerment and drug, alcohol, and risky behavior prevention discussions and workshops
-Leading, inspiring and energizing students and parents to accomplish the nonprofit organization’s vision, mission and
values
-Vision is to be the greatest Christian non-profit organization providing empowerment, fulfillment, and the art of success
for young women today
-Values: empowerment, integrity, passion, devotion, independence, commitment to success, honesty, and responsibility
-Organizing and implementing monthly community service: providing support to the less fortunate: feeding and
providing health and hygiene kits to the homeless, financial resources, and Big Sister Program
-Developing and implementing creative programs: monthly and quarterly outings, Big Sister Mentorship, fundraising
events
-Creating a positive and enjoyable environment, inspiring trust and loyalty among all students and parents
-Recruiting/training/developing volunteers and students throughout the organization
-Establishing an environment of learning
-Controlling and managing expenses and budget planning
Mortgage Loan Processor. Bayview Loan Servicing. Charlotte, NC March 2017- Current
-Reviewing and evaluating information on mortgage loan documents to determine if buyer, property, and loan conditions
meet establishment and government standards
-Coordinating processing activities with underwriting and loan closing departments to ensure loan requirements are met
-Performing a variety of duties including loan documentation, data entry, customer service, and pipeline management of
at least 40 loans
-Analyzing appraisals for completeness and conformity with industry-accepted appraisal practices
-Ensuring and upholding fair lending practices; meets targets for productivity, quality and customer satisfaction

2. - Reviewing credit applications, credit reports, collateral valuation, titles, tax returns, financial statements, applicable
ratios (i.e. Debt ratios, Loan-to-value) and or other supporting documentation to approve requests using an automated
scoring system or traditional underwriting
Mortgage Loan Processor. Wyndham Capital Mortgage. Charlotte, NC February 2015- January 2017
-Experienced Encompass LOS user, Desktop Underwriter and Loan Prospector
-Managed and detailed good working knowledge of pipeline management, borrower expectations, and handled phone
follow ups and communicated with internal and external vendors
-Responsible for credit checks, verifications of employment and verifications of deposits
-Knowledgeable of lender/investor guidelines and requirements
-Submitted loan packages to various lenders to obtain loan approval and maintained a pipeline of up to 40 files per month
-Highly organized and proactive; met deadlines in a fast-paced and paperless environment
-Knowledgeable in Conventional and government loans
-Well versed in handling purchase transactions
Consumer Loan Underwriter. Wells Fargo. Charlotte, NC December 2012-July 2014
-Reviewed, analyzed, and approved underwriting routine/moderate individual consumer requests and products within
company and industry guidelines
-Dependent on division, functions including evaluating and ensuring overall loan documents are accurate, complete, and
compliant with company standards
-Assisted with the calculations and preparation of report for review
-Contacted customers and partners to gather information to make appropriate decisions, explain rationale behind credit
decisions, and/or to sell/promote line products
-Stayed abreast of all changes in underwriting provisions including Financial Reform
Case Management Process Support. Bank of America Home Loans. Charlotte, NC July 2011-Oct 2012
-Junior Underwriter: Decision files for FHA/VA, Conventional and Bankruptcy Loans, Perform Quality Control on Loan
documents, approve/decline loans; obtained credit reports, inspections, surveys, and title work;
-Managed assigned portfolio of FHA residential loans from homeowners requesting modification assistance
-Prioritized and manage a daily caseload of over 600 loans while effectively communicating with all levels of management
-Utilized appropriate options for borrowers, such as Collections, Repayment plans, Special Forbearance, Modifications,
Short Sales, and/or Foreclosure.
-Processed routine transactions, documenting loan history, responding to customer or other 3rd party inquiries,
researching and/or preparing documentation, and analyzing requests in accordance to current guidelines.
Special Projects/ Task within Position
-Performed the duties of a Subject Matter Expert (SME) including but not limited to traveling to other sites to assist with
the training of new associates, managers and contractors
-Facilitated round table discussions
-Perform side by side observations with Executives
Operations Collector II. CitiFinancial. Fort Mill, SC August 2006 –September 2010
-Acted Assistant Operations Manager and served as trainer for new hires after gaining reputation for being a leader
-Utilized a computerized system of tracking, information gathering, and/or trouble shooting; Negotiated with clients as means to
resolve delinquencies
-Responsible for identifying and addressing late stage collections servicing requirements
ACTIVITIES
Community service with the Renew Our Community (R.O.C.) organization- feeding and donating items to the homeless
Active in raising money once a year for St. Jude Children’s Hospital
Volunteered time for the March of Dimes Walk and for visiting the Adult Daycare Center
Raised over $2000 in toy donations for United Way, Salvation Army, and Pilgrim’s Inn
Donated numerous of items to the Battered Women’s Shelter and to Keystone Substance Abuse Services
TECHNICAL SKILLS: All versions of Windows, Microsoft Word, Encompass, Valutrust, CBCInnovis, DataVerify, Desktop
Underwriter, Excel, PowerPoint, WEB CT, Customer Service Workstation, Auto Pro, and Cacs Plus, Homesaver, Loss
Mitigation Financials, AS400, LAMP, FHA Connections, Landsafe, Urban, Iportal, EPLS and HUD Databases, Loan
Modification Portal, FHA-VA Modification Tools, CRM Tool, Loss Mitigation Plan, WPT, Lexis Nexis, Res Direct, ERNST,
CLIPR, LIS, LPS, Hogan, Realquest, Talx, Procollateral, Speedtrap, Coast to Coast, Credit Policy and Procedure