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Sr. Loan Processor, Underwriter, Management

Bolingbrook, Illinois, United States
November 23, 2018

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Brenda J. Carmicheal

*** ********* **** 708-***-****

Bolingbrook IL 60440


Loan Analysis ... Processing... Customer Service...FHA, VA,RURAL Experienced professional with a successful career in mortgage banking, business development, and administration. Through underwriting, processing and management.

An effective manager with the skills necessary to direct, train, and motivate staff to its fullest potential. Excel within highly competitive environments where leadership skills key success.

Excel at interfacing with others at all levels to ensure organizational goals are attained. Possess excellent interpersonal, analytical, and organizational skills. PROFESSIONAL EXPERIENCE

LoanDepot, Schaumburg Il 09/17-Pres

Loan Processor III

● Maintain pipeline of USDA, FHA, VA pipeline

● Submit loans through GUS, DU, and Veterans Pupeline

● Review all loans for accuracy with underwriting

● Daily contact with customers and loan. Officers

US Bank, Naperville Il

Loan Processor II 05/16-09/17

● Pre-Review file for underwriter to review

● Submit through DU Or LP

● Submit for Closing and Funding

● Review for accuracy thru inital underwriting

● Pipeline consist of VA, FHA, Bond, Ameridream,and Rural Development

● Underwriting of Conventional loans

BMO Harris, Naperville Il

Affordable Lending Specialist 03/15-5/16

● Underwrite Affordable Lending mortgage projects liaison for mortgage and current programs that specialize in low to moderate clients through FHA and Conventional and Portfolio loans.

● Ensure thorough understanding of applicable mortgage products, pricing, programs and underwriting guidelines and requirements, through FHA and Freddie guidelines.

● Maintain Key programs NHLP-National Home Lending Program, WHEDA, AND LMCT.

● Gather all final documentation and submit to respective agencies

● Coordinates with all areas of operations to ensure grant is reviewed timely and accurately.

● Adhere to Credit Decisions for all files that were submitted to underwriting. Caliber Home Loans, Itasca Il

CRM 05/14-11/14

Monitor Dashboard for incoming new loans and updates.

● Review documentation from Broker/Account Executives for accuracy.

● Ensure guidelines for FHA, VA, Rural Housing, and Conventional are updated and adhered.

● Send file to underwriting to ensure file conditions are met.

● Ensure files are in compliance with Regulation B & C.

● Initiate loans to proper channels to meet HMDA laws.

● Weekly Sales Calls to Account Executives and Brokers. JP Morgan Chase Bank, Downers Grove Il 07/11-12/13 Senior Loan Processor

● Interaction with Sales and Lending Manager .

● Understanding the guidelines of FHA and Harp.

● Processing of Alternative Documentation and Complex loans.

● Accout Executive between Loan Officer and Sales Manager.

● Review loan for quality within Underwriting guidelines Wintrust Mortgage, Downers Grove Il 12/10-6/11


● Ensure that the files are completed according to GFE and Truth and lending guidelines that has been established into law, transferred to update and train the loan officers in accordance to Federal and State Respa laws. Adhere to HMDA laws rules and regulations.

● Reviewed files for accuracy for ECOA guidelines and to address and uplift team members in the new laws in Compliance for TRID. PNC Mortgage, Downers Grove Il

Senior Loan Processor 7/09- 12/10

Manage pipeline of Government files includes, Rural Development, FHA, VA, HAMP, and Harp loans.

● Interpretation and application of loan processing policies and procedures in order to correct errors and resolve discrepancies. Apply principle practices and regulations applicable to mortgage lending and secondary marketing.

● Prepare for changes in policies, standards and regulations applicable to the work unit. Understand and apply local, state, and federal regulations relating to processing mortgage loans.

● Review loans for quality and compliance standards for auditors. Washington Mutual Home Loans, Itaca Il 1/05-06/09

LFC Team Manager

● Managed all facets of customer service and underwriting to ensure compliance with policies and procedures related to loan set-up and loan shipping processors.

● Developed the skills of subordinates through a combination of goal-setting delegation, training, counseling and performance management, recommends and approves staffing level and personnel actions for performance goals.

● Interact frequently with partner areas to gain potential relationships through communication and sales goals.

● Recruit, train and coach mortgage operations employees. Supervised all aspects of operations for twenty support staff,trained evaluated, rewarded.

● Developed, implemented and applied training and development courses.

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