Customer Service Loan Processor
Resume:
Belinda Kay James
Duluth, GA 30096
************@*****.***
EMPLOYMENT
Express Services Loan Processor Atlanta, GA
July 2012 – September 2012
Work for Crescent Mortgage, processing FHA/VA loans and Conventional loan using Avista. Go through the whole 1003 to
make sure the loan amount is correct and rate along with all the other information in the system before sending it to underwriting.
Re-run DU/LP if needed and pull credit also; and run NMLS to verify everyone and Data Verify, order 4506-T.
The StoneHill Group Post Closer/Auditor Atlanta, GA
January 2012 – July 2012
Duties are to audit files from different vendors on closed/funded loan. Go through the files that they assigned you and you make
sure all the documents are in the file and the HUD-1 is corrected and within tolerance and add up all the fees. If anything is
missing from the file per the underwriter and off the documents you write up a condition to send to the vendors.
Rose International Loan Processor Gainesville, GA
May 2011 – December 2011
Worked at SunTrust Mortgage in the Construction Loan Department as a Loan Processor, I processed the front end of the
construction part of the loan; running LP/DU and Mers, verifying credit and doing an income worksheet to submit to the
underwriter for approval. Once approved by underwriter had to prepare a CP worksheet to calculate how much money the
borrower needs to bring to the table for closing and clear all the conditions if any from the underwriter and prepare the file for
closing.
Areotek Loan Processor Atlanta, GA
October 2010 – April 2011
Worked for Bank of America processing and closing MHA Streamline loans and Conventional Loans using there Edge and
Status Mart system, also did some purchases for Beazer Homes. I called the borrower to get all the items that I needed to close
the loan. Verified employment and ran credit and calculated income to make sure they qualified for the loan and ordered
appraisals and title work and payoffs. I stayed in contact with the loan officers until the loan closed.
Manpower, Inc. Mortgage Coordinator Atlanta, GA
December 2009 – July 2010
Closed FHA Loans, and Conventional Loans and Doctor Loan for Sun Trust Mortgage Inc.
Enter the loan information to close the loans in MLCS and STM Partners and printed all closed documents from Digital Docs,
also verified employment and spoke with the customers to make sure there 1003 application was correct Closing.. Prepared
HUDS and communicated with the closing Attorneys; order funds for purchases. Once the file closed and fund; sent files to Post
BELINDA K. JAMES Page 2
Phillips State Prison Correctional Officer Buford, GA
September 2007 -August 2008
Duties were to watch the inmates and do count during the day. Make sure the inmates went to eat and school and work during the
day. Did inspections in the dorms throughout the day to make sure there were no weapons and drugs.
Putnam Mortgage & Finance, LLC Sr. Loan Processor Atlanta, GA
November 2005 – July 2006
Processes Conventional, FHA Manufacture and Modular Homes Loans
Used DU and LP along with the company and state guidelines to make underwriting decision. Summit the loan to the
underwriter for approval to close the construction loan first, makes sure the loan DTI, order appraisals and titles, and gather up all
the FHA approved documents to close the Perm loan. Pull case numbers and fix credit reports to help the credit score. Provided
excellent customer service skills to facilitate loan closings and resolve borrower conflict and made consistent borrower contact
throughout the loan process.
Oxford Capital, LLC Sr. Loan Processor Atlanta, GA
June 2004 – November 2005
Processes Sub-Prime and Wholesale and FHA Loans
Enter the loans into Calyx and pull credit, make sure the loans DTI; order appraisals, title and homeowners insurance. Pull case
numbers and run LP and DU; made consistent Broker contact throughout the loan process.
CitiFinancial Accountant Manager Grand Rapids, MI
September 2003 – June 2004
Analyzed customer credit application for specialty financing over the phone and in person; used specialty product knowledge to
asset customers’ needs and offered loan programs. Provided unparalleled customer service to resolve customer issue, and go over
closing documents for signature and give customers there checks. Took payments over the counter/and making collection calls
on past due accounts.
CitiFinancial Mortgage, Inc. Senior Loan Processor Norcross, GA
August 2002 – August 2003 (Transferred)
Supported wholesale (brokers) mortgage process, input, and processed mortgage loans. Calculated and verified debt ratios,
recommended loans for approval; reviewed title reports, policies, reports, and appraisals; reviewed all documentation and system
data for accuracy and potential problems. Communicating regularly with the brokers to ensure quality service to our customers.
Clear conditions once it came back from underwriting, then email closing docs to the Attorney once the HUD was approved.
Travelers Bank & Trust (Citigroup) Loan Auditor/Booker/Funder/Post Closing Marietta GA
September 2001 –August 2002 (Transferred)
Audited mortgage files to determine if the documents and calculations by processors were accurate, and within the federal
guidelines; corrected errors/noted mistakes to be corrected. Established and maintained relationship with Primerica agents and
management staff. Sorted and distributed mortgage files to post closing department. Compiled and overnight loan packages to
attorney for closings.
QUALIFICATIONS
*Typing (75wpm) *Calyx Point 5.0 *Encompass 2.9.09
*Loan Processor *Loan Quest *STM Partners
*Digital Docs *Maestro *Payable/Receivables
*Underwriting *Data Processing *QuickBooks 5.0
*Novell *Lotus/Excel *Accounting/Bookkeeping
*Customer Service *Peachtree Software *Booker/Funder/Post Closing
*MLCS (Mortgage Loan System) *AS400
*Edge *Status Mart *Post Closing Auditor
EDUCATION
Associate in Applied Science Degree: Executive Secretary/Business Management
Davenport College: Kalamazoo, MI
References furnished upon request
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