Nicole Early

Professional Experience

Forest Park National Bank and Trust 7/17 - Present

Mortgage Loan Processor

● Manage a Pipeline of 75-80 files, closing 20-25+/monthly

● Home Purchases & Refinance's, Cond's, PUD

● Products: Conventional (Fannie & Freddie), USDA,VA,VA IRRRL, FHA, CONV HOME STYLE, FHA 203K, FHA HOMESTYLE/HOMEREADY

● Clear Conditions/Jr Underwrite

● Run Reports : AUS, DU, LP, Fraud Guard, MERS FHA/HUD 92900A,Compliance Eagle, ULDD, Early check, LQA

● Send out updated Loan Decision's to Brokers & AE's

● Verify Employment utilizing The Work Number

● Complete Change of Circumstance Request

● Review Title & Homeowner's Insurance, Tax Transcripts, Income, Tax cert

● Clear to close the file and send over to closing for funding

● Request Early CD's within the TRID guidelines

● Compare fees to make sure the borrower has enough funds to close

● Enter Appraisal information E3

● Check if loan is Lender Paid or Borrower Paid

Stonegate Mortgage 6/16 – 7/17

Mortgage Loan Processor

● Manage a Pipeline of 75-80 files, closing 20-25+/monthly

● Home Purchases & Refinance's, Cond's, PUD

● Products: Conventional (Fannie& Freddie), USDA,VA,VA IRRRL, FHA, CONV HOME STYLE, FHA 203K, FHA HOMESTYLE/HOMEREADY

● Clear Conditions/Jr Underwrite

● Run Reports : AUS, DU, LP, Fraud Guard, MERS FHA/HUD 92900A,Compliance Eagle, ULDD, Early check, LQA

● Send out updated Loan Decision's to Brokers & AE's

● Verify Employment utilizing The Work Number

● Complete Change of Circumstance Request

● Review Title & Homeowner's Insurance, Tax Transcripts, Income, Tax cert

● Clear to close the file and send over to closing for funding

● Request Early CD's within the TRID guidelines

● Compare fees to make sure the borrower has enough funds to close

● Enter Appraisal information E3

● Check if loan is Lender Paid or Borrower Paid

JPMorgan Chase & Co. 1/16 – 6/16

Mortgage Loan Processor

● Process Loan applications for Refinances and or Purchases for SFH, Condo's & Co-ops

● Prepare documents received from the mortgage advisor

● Review Titles, Appraisals & Enter information off of Appraisal in PBLOs

● Request HOI & Payoff's for Clients, Review check for correct Mortgage E clause and enter In PBLOs

● Request subordination documents

● Complete notes to Closer

● Schedule closings

● Complete file when it comes back from UW & Prepare for closing

● Verify Income

● Input county taxes in PBLOs

● Verify Title Insurance

● Verify no easements or liens or judgments are on title

● Meet crucial deadlines

● Verify Vesting on title is correct

Lending Solutions 3/12 – 1/16

Loan Processor

● Take inbound calls from members of the credit union and non-members looking to become members

● Process loan applications (personal loans, credit cards, auto loans etc.

● Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan

● Loan Building

● Performed daily maintenance of the loan applicant database

● Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers

● Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports

● Provided expert financial advice on mortgages and both educational and personal loans

● Underwrite Loans

CTU Online 1/08 – 1/10

Admissions Advisor

● Prepare students for entry of on line college courses

● Assist with steps for applying for financial aid

● Follow ups with students once classes begin

● Assist students with completion of entrance application

● Enroll students in classes to best fit their long term goals

Contact this candidate