Judy Jones

Detail-oriented financial and mortgage operations professional with extensive experience in banking, loan servicing, post-closing, compliance review, and customer support. Strong background in reviewing sensitive financial documents, resolving discrepancies, supporting clients, and ensuring adherence to regulatory and investor requirements. Known for accuracy, organization, analytical thinking, and strong communication in fast-paced remote and office environments.

Treasury Management Services - M&T - Remote - Buffalo, NY

(2023-12 - 2026-04)

• Supported clients through inbound calls and email for treasury management services.
• Reset customer passwords and assisted with online account access and user maintenance.
• Guided clients with payments, reporting and platform navigation in the Treasury Center.
• Researched ACH, wire, and check activity and coordinated with relationship partners.
• Assisted with fraud prevention tools including ACH Monitor and Payee Positive Pay.
• Referred clients to sales teams for additional treasury products and services.

Mortgage Post Closing Specialist III - M&T Bank - Remote - Amherst, NY

(2021-11 - 2023-12)

• Reviewed mortgage loan files for completeness, accuracy, and compliance.
• Determined final loan disposition, including withdrawn, incomplete, declined, and approved-not-accepted statuses.
• Identified and corrected discrepancies involving borrower data, loan amounts, credit details, and HMDA-related information.
• Communicated daily with loan officers and underwriters to resolve file issues.
• Supported compliance with ECOA, CFPB, HMDA, SCRA, and Fair Housing requirements.
• Prepared action checklists and maintained quality standards across daily pipeline reviews.

Loan Review Specialist III - Freedom Mortgage - Remote - Fishers, IN

(2016-06 - 2021-08)

• Reviewed government-insured loans including FHA and VA files for accuracy and completeness.
• Resolved underwriting, post-closing, and insuring issues in a timely manner.
• Verified supporting documentation in electronic document systems and updated loan platforms.
• Investigated missing or incorrect information and coordinated corrections with internal and external contacts.
• Uploaded, audited, and maintained loan documentation to meet insurer requirements.

Quality Assurance Checklist - Freedom Mortgage - Remote - Fishers, IN

(2016-06 - 2021-08)

• Performed quality assurance reviews on team members loan work.
• Evaluated accuracy and completeness of reviewed files and documented findings.
• Helped maintain team quality standards through consistent auditing and feedback.

Loan Specialist Officer - Small Business Administration (SBA) - Herndon, VA

(2016-01 - 2016-05)

• Analyzed collateral including real estate, vehicles, deposit accounts, and insurance policies.
• Made recommendations related to liquidation and charge-off of commercial loans.
• Worked with SBA lenders to confirm compliance with agency policies and guarantee requirements.
• Helped resolve complex lending issues through research and partner communication.

Loss Mitigation Bankruptcy/Foreclosure Business Unit & Property Preservation - Freddie Mac - McLean, VA

(2014-07 - 2015-08)

• Coordinated property action decisions with servicers and law firms.
• Provided policy guidance and compliance support to servicing partners.
• Reviewed requests, monitored delays, and helped resolve escalated foreclosure-related issues.
• Prepared claims and reviewed pre-approval requests using internal systems.
• Supported special projects by developing tracking methods for modification program requests.
• Provide guidance on expense limits preservation and maintenance of abandoned properties.
• Developed recommendation for yard maintenance and winterization seasonal requirements.

Administration Assistant - Champion Title & Settlements - Ashburn, VA

(2012-12 - 2014-09)

• Processed subordination agreements for financial institutions and title entities.
• Coordinated lender payoff request through phone, fax, and conference calls.
• Delivered responsive service and documentation support for property closings.

Foreclosure Specialist, Mailing Tenant-Lien Holder Notices, Bankruptcy Processing/Direct Source Specialist - Atlantic Law Group/Merge together Draper & Goldberg - Leesburg, VA

(2009-07 - 2012-12)

Mail Carrier, Mail Distribution Center - United States Postal Service - Sterling, VA

Retail Manager - Seven Eleven Corporation - Sterling, VA

Certificate - Nursing Assistant - James Rumsey Vocational Technical Center

High School Diploma - Musselman High School