Mary Jo Middleton has over 15 years of experience in banking and mortgage lending, with a demonstrated track record of exceeding sales goals and identifying issues to reduce risk. She is currently a Business Analyst at JPMorgan Chase where she reviews lending guidelines and procedures. Prior to this role, she held various mortgage origination, processing, underwriting, and servicing positions at banks and credit unions.

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

3. Mary JoMiddleton Page 3/3
 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