.KIMBERLY GARRETT
**** * **** **** **** 312-***-****
OBJECTIVE
To Secure an immediate position as a mortgage loan processor or any related position, with a goal to offer the best service with a progressive and customer oriented company.
SKILLS
Conventional, FHA, VA, New Construction, Bridge funding, CEMA, Loan Modifications, HELOC and Reverse mortgage processing
LP, DU, and DO AUS as well as manual common sense underwriting
Loan structuring and pricing
Mortgage calculation for salaried and self-employed borrowers
Knowledgeable about various first time home owner programs
Customer retention and conflict resolution
Knowledgeable with Federal and State regulations, TILA, GFE, HPML
Real Estate Advertising and Marketing in various online sites and print.
Seminar consulting and advising, on various programs for foreclosures, short sales and mortgage loan modification
Fast and accurate closer
Interpersonal and Effective Communicator, both verbal and written
Analytical independent and team player
Able to prioritize task
Software
Paperless processing and submittal through
Encompass
Calyx Point
EXPERIENCE
April 2017 - Feb. 2018
Senior Loan Processor (Remote), GSF Mortgage Corp.
Reviewed loans in my pipeline, that needed to be verified for completeness and accuracy.
Communicated with loan officers, borrowers and third-party vendors concerning closing dates and documents needed to complete the loan file for underwriting review and approval.
Verified, requested and complied documentation from borrowers, needed to render their mortgage loan approved, within company and Government or Conventional lending guidelines.
Completed 25-30 loans per month. Scheduled closings, Verified Funds available for closing.
Reviewed Sales contracts, Title Reports, VA documentation (as needed), Reviewed Appraisals, Condo Certifications, and Bylaws (as needed),
Calculated Cash flow for Self Employed Borrowers and Investment properties.
Ensured the loan documents were within Fannie Mae/Freddie Mac/VA/ or HUD regulations, ensuring TRID rules were adhered to, as well as RESPA Laws.
Processed Reverse Mortgages and ensured all housing counselling requirements were completed.
Corresponded with my Loan officer, Underwriting, Compliance, and My Manager as needed.
Worked with Encompass, DU and other mortgage lending verification sites, to ensure the Mortgage loan file complied and ready for Underwriting approval and Funding.
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May 2015-March 2017
Property Manager, Diversified Marketing LLC
Responsible for marketing vacant properties for rent to prospective clients, via online marketing sites, I.E., Zillow, Hot Pads, Craigslist
Greeted Prospects and qualify them for rentals by asking questions; utilize complete guest cards and/or rental application forms.
Accepted rental payments
Performed property management tasks (administrative) for property owners (landlords).
Recorded all telephone and in person visits
Updated availability reports, process rental applications for approval (ie., credit check, rental history, employment and back ground checks.)
Monitored advertising effectiveness. Gather information about market competition in the surrounding areas.
July 2014-Feb 2015
Senior Loan Processor, Chase Home Mortgage
Responsible for same as pervious loan processing positions. Also, did numerous loan modifications and FHA purchase loans. Using loan platform Calyx Point.
April2012-May2014
Sr. Mortgage Loan Processor/ Guaranteed Rate, Inc
. Same as former positions, using a paperless system to upload, track and submit loan files for underwriter approval from in house and other outside investors.
. Processed a pipeline of 60+ loans monthly, Conventional, FHA, VA and CEMA loans
. Ordered preliminary title, appraisals, condo certifications, H/O insurance, locked and relocked loans as needed. Calculated Escrow accounts, PMI and UFPMI.
. Prepared Loan Commitment letters and sent to borrowers
.Ran Fraud screenings through various online systems( ie., Nexus Lexus)
. Communicated updates and progress on files to various loan officers and borrowers daily
. Pulled credit reports, uploaded complete loan files into system, verified information on 1003 against AUS findings, Submitted loan conditions as needed to satisfy underwriter requirements for final loan approval.
. Tracked loan pipeline daily.
. Ensured all compliance documents were accurate and forwarded within the time allotted for delivery to borrowers and prospects.
June2008-Jan2012
Sr. Mortgage Loan Processor/ Loan Officer The Loan Center, Inc
.Processed all secondary market purchase and refinance loans for the mortgage broker on Calyx Point and PC Lender.
. Opened all loan files, reviewed them for accuracy, stacked them according to investor instructions and submitted loans for underwriter approval.
I would trouble shoot the loan file and resolve any issues on the credit report and or/ the title ie., liens, judgements, unpaid tax bills, bk’s, etc.
.Prepared file and contacted borrowers for loan closing
. Scheduled closings with title and all other parties involved
.Processed post-closing files, copied and stored files properly per auditing rules
.I worked with the file from opening all the way to post closing, ensuring the process was seamless, professional and quick
Managed a pipeline of 50+ loans per month
. Trained new hires and Jr. Loan processors
. Sold residential mortgage loan products and maintained a bas clientele of borrowers from 2008-2010. High volume closer