TERRI KARWACKY

**** * ****** ***, **********, AZ 85257

480-***-****

ac720y@r.postjobfree.com

MORTGAGE LOAN PROCESSOR

● Mortgage industry professional with vast loan processing experience; comprehensive knowledge of conventional and government loan programs.

● Thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from pre-approval to closing.

● Computer savvy and proprietary mortgage processing software MORTGAGE LOAN EXPERTISE

Conforming & Nonconforming loans, FRMs, ARMs, Jumbo, FNMA, FHLMC, FHA, VA, USDA and bond loans. Comprehensive background in IT.

PROFESSIONAL EXPERIENCE

AMERIFIRST FINANCIAL, INC., MESA, AZ

Sr Loan Processor, 2015 to 2018

Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages. Review and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal. Ensure compliance with company policies, underwriting guidelines and lending-program requirements. Recipient of Processor of the Year Awards. PRIMELENDING, SCOTTSDALE, AZ

Operations Manager, 2008 to 2015

Responsible for the support of operational staff including training and on-boarding.Cross communicate between Processors, Secondary, Underwriting, Closing and Shipping. Analyzed tax returns, processing loans as well as managing. Multiple recipient of company’s processing awards issued by Underwriters for excellent file submissions.

FIRST ARIZONA SAVINGS, SCOTTSDALE, AZ

Sr Loan Processor 2007 to 2008

Processed home loans including wholesale, construction and HELOC’s. Carried a pipeline of 25+ files per month.

CH MORTGAGE, SCOTTSDALE, AZ

Sr Loan Processor & Financial Services IT Help Desk, 1994 to 2007 Responsible for processing loans for multiple Loan Originators from set up to closing specializing in new construction. Began employment with Continental Homes which was purchased by DR Horton Homes. Became the company’s first Corporate Trainer traveling extensively training and on-boarding. First IT Help Desk support person troubleshooting software, hardware with extensive knowledge of DU/LP and GUS.

CTX MORTGAGE, PHOENIX, AZ

Lead Processor Builder Division and FHA Underwriter, 1992 to 1994 Provided support to on-site builder personnel at Centex Homes as Lead Processor. Supervised and trained loan processors. Promoted to Underwriting including FHA and conventional loans. METROPOLITAN FEDERAL SAVINGS, SCOTTSDALE AZ

Operations Manager, 1990 to 1992

Supervised 30+ operational staff employees. Responsible for hiring and training administrative staff including Loan Processors, set up and Closers.

GMAC MORTGAGE, PHOENIX, AZ

Sr Loan Processor, 1986 to 1990

Responsible for processing and closing FHA/VA/USDA, conventional and brokered loans. CAPITAL FEDERAL SAVINGS & LOAN, OVERLAND PARK, KS

Loan Servicing & Loan Processor, 1978 to 1986

Serviced bank portfolio mortgage loans including interest rate modifications and rate reductions. Processord bank loans from set up to funding.

Mortgage background consists of: Loan Servicing, processing, closing, funding, shipping, supervising, training and Underwriting.

References provided upon request.

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