Kourtney K. Brownfield

NMLS #*******

*** ******* ***** **** *** 721, Harker Heights, Texas 76548

904-***-****

ac9g2f@r.postjobfree.com

Summary

Experienced professional with over 14 years of experience in banking and mortgage industry combine.

Successfully communicates with individuals on all levels to ensure organizational goals are obtained.

Proactive approach in capturing numerous accounts and expanding client base.

Possess excellent interpersonal, analytical, and organizational skills.

Excels within highly competitive environments where leadership skills are the keys to success.

Professional Experience

First State Bank Central Texas merged with BancorpSouth

BancorpSouth Mortgage Department - Harker Heights, TX

2007 - Present

Mortgage Loan Processor January 2, 2013-Present

Process more than $70,000,000 in conventional, Veteran Affairs and FHA loan applications.

Assist Loan Originator with origination process.

Set up and maintain well organized loan files.

Prepare/Review Loan Estimate and Closing Disclosures.

Pull and evaluate credit reports. Request explanations for inquiries to credit as required by investor guidelines and explanations for adverse credit.

Validate borrower’s assets, and income documents.

Register and lock loans with Investors, if Loan Originator requests.

Order Title Commitments, Appraisals, Proof of Insurance, Verification of Employment, depository accounts, rental payment history (if required by investor guidelines) and any debts not verified on credit report.

Submit loan file to underwriting (in-house or investor).

Works closely with Underwriter, Loan Originator, Borrowers, Title Companies, Bankers, and Realtors.

Gather additional documentation as required on commitment letters to clear loan conditions for approval and closings in an efficient manner.

When necessary, order closing documents, ship/export loans to investor for purchase, and clear deficiencies on loans to be purchased.

Constantly reviewing Fannie Mae, Freddie Mac and Veterans Affairs underwriting guidelines to keep current with compliance guidelines.

Loan Processor Loan Operations 2007- 2012

Processed consumer, commercial and real estate loans in a timely manner to ensure prompt closing.

Reviewing collateral files to ensure that the established standards are met, including compliance with federal regulations.

Communicated effectively with Banking loan officers and loan assistants.

Fort Hood National Bank, Fort Hood, TX 2005-2007

Bank Teller & Certified Branch Trainer

Oversaw daily operations for retail bank, including branch sales, business development, customer service.

Cross-sell banking services and products to clientele.

Managed a staff of 6 customer service representatives and tellers.

Education

Associates in General Studies 2009- 2011

Central Texas College, Fort Hood, Texas

Software

Tickler and Jack Henry System

Laser Pro and Uniform Commercial Code

Calyx Point and Encompass

FNMA Desktop Originator

Mortgage Specialist

Business Development

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