1. Mary JoMiddleton Page 1/3
Mary Jo Middleton
Ponte Vedra Beach, FL 32082 cell: 904-881-0671
maryjold@aol.com
Summary
High-performing banking and mortgage professional with a strong business acumen who is adaptable,
analytical, and has a track record of unrivaled customer service. Repeatedly selected by management to
lead new projects and complete complex tasks as a key team player.
Accomplishments
 Assisted in building home equity pilot program that increased loan volume by 15%
 Hired to overhaul mortgage department and identified millions of dollars of loss exposure
 Consistently exceeded sales and processing expectations with well-developed entrepreneurial skills
 Requested to train employees due to strong communication skills which led to positive outcomes
 Maintained highest customer satisfaction while processing loans from preapproval to closing
 Retail banking mortgage experience
 Thorough, updated knowledge of lending practices and regulatory guidelines
 Proficient in MS Office, AS400, LPS, DU, AUS, CLUES, Oracle based Change Manager, Sharepoint, (learns
technology quickly)
 NMLS/Safe Act Registered #1041953
Experience
Business Analyst 01/2016-Current
JPMorgan Chase (Integrity Staffing Solutions Contractor) Jacksonville, FL
 Review Fannie Mae (FNMA) Servicing/Selling and other GSE Guides to identify actionable
requirements forservicers
 Review operational procedures and align withFNMA Servicing/Selling Guide requirements
 Compare the previous version of the FNMA Servicing/Selling Guide to the new version to align
requirements
 Responsible forQC (Quality Control) of other team member’s project tasks
 Develop tracking methodology for the project
 Report daily on progress and issues/risks
 Automate all steps of report production to comply with control requirements
 Responsible forassessing cross impacts as part of project support, working directly withLOB
EDs/VPsto make recommendations on process changes, define implementation roadmaps and
determine best practices for execution of the project

2. Mary JoMiddleton Page 2/3
Comptroller
Setzer’s and Company, Inc.
2014-2015
Jacksonville, FL
 Monitored and controlled daily cash flow and prepared reporting for owner’s review
 Oversaw payroll, benefits, and accounts receivables
 Managed sales tax reporting
 Filed mechanics liens on non paying contractors
Mortgage Loan Processor
Bank of America
2013
Jacksonville, FL
 Ensured the timely and accurate packaging of mortgage loan applications from preapproval to closing
 Verified accuracy of loan documents including income, credit, appraisals and title reports
 Set the client’s expectations through timely updates in regards to the mortgage process
 Used acquired underwriting knowledge to ensure guidelines and procedures were compliant with
mortgage regulations and investor requirements
 Increased productivity and improved quality control by careful analysis of performance results
 Position required SAFE Act/NMLS registration
Foreclosure Specialist-Default Servicing
Bank of America 2010 – 2013
Jacksonville, FL
 Achieved success in challenging industry by carefully monitoring investor compliance, researching legal
matters reviewing property preservation reports and upholding quality control
 Acted as liaison for vendors and bank attorneys by providing judgment figures, bidding instructions,
next-day sales reviews, reinstatements and payoffs
 Managed pre-sale foreclosure process on prime/subprime, VA, FHA, FNMA, FHLMC and private investor
loans
Membership Field Sales Representative
AAA Auto Club South
2010
Jacksonville, FL
 Successfully marketed memberships and other corporate products through effective networking
 Responsible for sales of AAA memberships using cold calling, warm calling, and promotional booths at
various public events.
Mortgage Specialist
First Florida Credit Union
2006 – 2009
Jacksonville, FL
 Hired to streamline the current in house mortgage department and while auditing and reorganizing,
uncovered numerous unrecorded documents that exposed the credit union to a huge potential loss and
was able to quickly close the gap
 Managed entire process for 1st and 2nd mortgage products including originations, underwriting,
processing, closing and funding

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 Marketed credit union mortgage products and other services through educational classes and
promotional booths.
 Exceeded goals for cross-marketing car loans, checking and savings accounts, financial advising and
other credit union services
Home Equity Mortgage Specialist
PHH Mortgage Corporation
2002 – 2006
Jacksonville, FL
 Chosen to an elite team to aggressively market home equity and bridge loans to existing mortgage
clients resulting in a 15% increase of volume
 Surpassed closing goals, customer satisfaction ratings, continuous process improvement through
effective use of time management
Owner/Manager
Marigold’s Fashions, Inc.
1998 – 2002
Neptune Beach, FL
 Created a successful retail clothing boutique from ground up and sold at a profit
 Gained expertise in marketing, merchandising, building client loyalty and managing employees
 Personally preformed all payroll and accounting using QuickBooks Pro
Education
Florida State University Tallahassee, FL
 Bachelor of Science in Multinational Business Operations including studies abroad in London