1. Karen S. Spriggs
7766 Lamplight Drive, Jenison, MI 49428
(616) 457-0649 or (616) 970-4590
e-mail: suzy_spriggs@yahoo.com
Objective: Obtain a position as Office Manager, Accounting, Mortgage, or Customer Service. I have
numerous years of experience as an Assistant Manager, mortgage loan processing, underwriting, set up, close
and post close, accounting including payables, receivables, credit analysis, budget, purchasing, payroll, and
customer service. I adapt to new challenges quickly.
Work Experience
5/2015 – 9/2016 Top Flite Financial, Grand Rapids, MI
Mortgage Processor
 Process, Pre-underwrite and Pre-close mortgage loans for Conventional, Jumbo HARP, Portfolio, TPO,
Construction, FHA, VA, USDA-RHS and Correspondent.
1/2012 – 1/2014 Member Advantage Mortgage, Grand Rapids, MI
Loan Processor – Accountemps, Grand Rapids, MI (1/2012 – 10/2012) – Hired 10/2012
 Set up, Process, Pre-underwrite and Close Mortgage Loans for HARP 2.0, DU Refi Plus, CU Portfolio,
Construction, Conventional, Jumbo, HPM, FHA, VA and Worked with Hardest Hit Funds from different
States
 Accounting, Customer Service, Credit, Collateral, Title and Income Analysis
 Set up CU Program for HARP 2.0 Same Servicer and Open Access checklists and procedures
8/2011 – 1/2012 Arbor Mortgage, Grand Rapids, MI – Manpower, Grand Rapids, MI
Loan Coordinator
 Process Mortgage loans – Conventional, Portfolio, HARP, FHA, RD, DU Refi Plus
 Order Title, Appraisal, HOI and Payoff
 Accounting, Credit, Collateral, Title and Income Analysis
 Customer Service and Scheduling
4/2009 – 1/2011 Fifth Third Bank, Kentwood, MI – Accountemps, Grand Rapids, MI
Mortgage Closer (4/2009 – 8/2009, 10/2009 – 2/2010, 6/2010 – 1/2011)
 Close Retail Mortgage loans – Conventional, Jumbo, Portfolio, HASP (HARP), FHA, VA, HOP, RD, DU+,
Bond , State Specific assistance programs and updated knowledge of RESPA and Trusts
 Insure loans meet loan guidelines
 Review funding docs and fund loans
 Customer Service and Scheduling
2/2008 – 4/2009 Lake Michigan Credit Union, Grand Rapids, MI
Mortgage Processor – Temporary Position (2/2008 – 8/2008, 12/2008 – 4/2009)
 Set up and process retail mortgage loans according to program guidelines
 Conventional, FHA, VA and Portfolio
 Reception relief
 Accounting, Customer Service, Credit, Collateral, Title and Income Analysis
 Notary
8/2007 – 2/2008 Valley City Environmental Services – Accountemps, Grand Rapids, MI
First American Lenders Advantage - Office Team, Grand Rapids, MI

2. Accounting/HR Coordinator , Mortgage Post Closing
 Accounts Payable, Accounts Receivable, Collections
 Posting Payments/Collections, Resolve Payment issues on NSF Checks
 Human Resources Benefits Coordinator
 General Ledger, Petty Cash Management
 Payroll and Benefits
 Customer Service and Phones
 Mortgage, Title Post Closing
 General Office responsibilities
4/2000 - 3/2007 Countrywide Home Loans, Grand Rapids, MI - Financial Staffing Resources, CA
Loan Specialist II -– (4/2000 – 7/2000 & 2/2001 – 7/2001) - Hired 7/2001
 Clues, LP, DU Underwriter
 Processing Conventional, Construction, FHA, VA, RHD, MSHDA, MCC
 Closing, Post Closing
 Close out Escrow Accounts
 File Set Up
 Accounts Payable, Accounts Receivable
 Quality Assurance
 IT & Phone Tech Support
 Set up, Processed, Underwrote, Closed, Post Closed for loan programs: Fannie Mae, Freddie Mac,
FHA, VA, MSHDA, MCC, RD, Construction
 Trainer
 Customer Service
 Processed Customer Payments
 Trouble Shoot Deficiencies & Customer Complaints
 Trouble Shoot Computer Program Issues & Computer Malfunctions
 Discharges, Subordinations, Releases, Payoffs, Escrows
 Notary
7/2000 - 12/2000 Visiting Nurses - Robert Half Staffing, Grand Rapids, MI
Billing Clerk
 Billing Clerk for Medical Services
 Accounts Payable, Accounts Receivable
8/1992 - 4/2000 Entela, Inc., Grand Rapids, MI – Kelly Services, Grand Rapids, MI
Customer Service Representative III (5/1992 – 8/1992) - Hired 8/24/1992
 Customer Service
 Customer Liaison
 Accounting, Financial Planning and Projections, Cost Analysis
 Assisted with Developing a money making Registration Department
 Initiated cost saving ideas and implementation
 Computers
 Training
 Shipping, Receiving
 Marketing
 Purchasing
 Sales, Trade Shows
 Administration, Receptionist

3.  Trouble Shooter, Problem Solver
 Quality
 Metallurgy Testing
 Scheduling, Travel
 Typing, Filing, Faxing, Phone and various other duties.
9/1991 - 1/1992 Auto Style, Grand Rapids, MI - Troy Tech Services, Grand Rapids, MI
QA Secretary, Clerical
 QA Secretary, Clerical, Data Entry, Receptionist
 Administrative Assistant
 Executive Secretary
 QA Inspector
 Purchasing
 Inventory Control
 HR Assistant
 Engineering Assistant
4/1990 - 9/1991 Target Components, Inc., Kentwood, MI
Administrative, Assistant, HR Assistant, Accounting, Purchasing
 Word processing, Data Entry, Purchasing
 Raw Steel Issues
 Inventory
 Production Control
 AS/400, System 36
 Phone, Fax, File
 Customer Service
 Sales, Quotes
 Labor Reporting, Personnel
 HR Assistant
 Shipping, Receiving
 QA Sample Submissions, PPAP''s
Education
8/1995 - 6/2002 Davenport University, Grand Rapids, MI
Bachelor's Degree
 Bachelor of Science in Business Management, emphasis on Accounting and HR

Associates Degree
 Associate of Science in Business Management
Certificates and Licenses
 Michigan Notary, State of Michigan, MI - Expired
 Internal Auditor, ASQC, MI
Skills and Abilities
 FNMA, FHLMC, FHA, VA, USDA-RHS, FAMC Mortgage Loans
 Mortgage Loans in Banking, Credit Unions, Mortgage and Broker Industries
 ISO 14001 Internal Auditor
 ISO 9000 Trainer

4.  MRP Cycle Counting
 Powerful Communications
 CQA Prep Class
 Total Time Management
 QS-9000 Workshop
 Expert in computer programs
 Printing
 Sales, Customer Service
 IT, Servers
 Phone Systems and many other machines and equipment.
Honors and Activities
 National Honors Society
 American Business Women’s Association Scholarship
 Music Scholarship