Tramica Tolliver has over 10 years of experience in underwriting, client services, risk management, and financial analysis. She currently works as a Home Equity Closer at Wells Fargo Bank, where she processes closing documents, interprets policies, and manages a pipeline of loans. Previously, she held underwriting roles at Wells Fargo and Wachovia Bank, analyzing income documentation, assessing risk, and ensuring compliance. She also has experience in loan document preparation, customer retention, and internal auditing. Tramica received her Associate's Degree in Business Management from National College of Business and Technology.

1. Tramica Tolliver
342 Deaner Dr NW 540-915-2146
Roanoke, VA 24017 tramica10@cox.net
PROFILE
Self-motivated professional highly proficient in developing creative solutions and implementing
objective decision making. Maintains positive attitude and works hard to build team
relationships. Achievement-oriented Business Professional with more than 10 years’ experience
with underwriting and client services.
HIGHLIGHTS
 Organize and prioritize tasks
 Risk management expertise
 Detail-oriented
 Expert in MS Office Suite
 Equity and fixed income research
 Auditing
 Financial analysis
EXPERIENCE
01/2015 to Current – HOME EQUITYCLOSER – WELLS FARGO BANK, NA – ROANOKE, VA
Main point of contact for internal or external customer during the loan process. Process all
closing documents to include: title policy, home owners insurance and creating closing docs.
Interpreting policies while analyzing applicant, property and loan documentation. Order all
required verifications, documentation and subsequent follow-ups. Manage an assigned pipeline
of loans. Review procedures to follow a daily pipeline to insure accuracy within procedures.
01/2011 to 02/2014 – CONSUMER LOAN UNDERWRITER / INCOMEANALYSIS
WELLS FARGO BANK - ROANOKE,VA
Primary responsibility is viewing, analyzing, and determine qualifying income for Home Equity
and Mortgage related credit products. Review all forms of income documentation, including but
not limited to, complex personal returns and business tax returns, 1099’s, W-2’s, paystubs, assets
statements and financial statements. Assess borrowers and income risk based on all credit-related
attributes. Recommend deviations/exceptions to establish guidelines. Required to meet
weekly/monthly production, while maintaining quality, integrity, and accuracy. Use product
knowledge and review multiply systems to quickly analyze account situations. Utilizes extensive
knowledge of applications to resolve complex issues.

2. 01/2009 to 01/2011 – CONSUMER LOAN UNDERWRITER II
WELLS FARGO BANK – ROANKE, VA
Analyzed subordination applications, credit history, income documents, mortgage applications,
title documents, appraisals and all other applicable required documents based on risk
parameters. Evaluate accuracy and adherence to internal credit guidelines, consumer credit laws,
and processes for compliance and risk management. Managed supplies for department with
ordering, inventory and delivery of items requested. Selected to manage applications for new
processes to ensure accuracy. Facilitated and developed training material for new employees.
Served as subject matter expert to assist employees with questions related to policy and
procedures.
01/2006 to 01/2009 – LOAN DOCUMENT SPECIALIST 5 – WACHOVIA BANK, NA –
ROANOKE,VA
Managed supplies for department with ordering, inventory and delivery of items requested.
Preparation of legal documents and procedures with high attention to small detail. Managed
document preparation project to ensure procedures were followed within the 50 states guidelines
for recording legal documents. Performed monthly audits to evaluate accuracy and adherence to
internal credit guidelines, consumer credit laws, and processes for compliance and risk
management. Facilitated and developed training material for new employees. Served as work
flow director and subject matter expert to assist employees with questions related to policy and
procedures.
03/2003 to 01/2006 – CUSTOMERRETENTION LOAN SPECIALIST – WACHOVIA BANK, NA
– ROANOKE,VA
Retained existing home equity lines of credit and loans through increased utilization, line of
credit limit increases as well as the cross-sale of other bank products. Prepared, reviewed and
approved loan modification documents. Researched loans and contracts from numerous banks
using a variety of bank systems. Underwrote new loans by following policies and procedures.
Reviewed stock secured accounts to make sure they were within margin. Served on team
recognition committee, participated in numerous special projects including team incentive plan
development.
EDUCATION
National College ofBusinessand Technology
Associates Degree in Business Management
CERTIFICATION
Secure and Fair Enforcement Licensing Act (SAFE) Certified, NMLSR # 950812