KELLI N. CAMPBELL

**** ********* *****, ****, ** 89519

813-***-****

acdaum@r.postjobfree.com

PROFESSIONAL SUMMARY

Success driven, highly motivated NMLS registered mortgage professional with over 14 years of industry experience. Continually

•

r ecognized for exceeding expectations, a top producer with exceptional loan closing/funding rates. Possesses well-rounded

m ortgage industry experience ranging from mortgage and title processing, loan underwriting, mortgage due diligence, loss

m itigation, to foreclosures.

Flexible, versatile, and available as needed for travel, special projects, and overtime. An organized, self-starter requiring

•

m inimal management and direction with a demonstrated attention to detail. A quick learner with an unmatched work ethic and

d edication to success.

SKILLS/EXPERTISE

• Adept in all Federal, State, and Local Loan Regulations

• Current on all RESPA Laws

• Proficient in Fannie Mae, Freddie Mac, VA, Conventional, sub-prime, and HARP loan origination, processing and

u nderwriting practices

• Typing speed of 60 WPM

• Skilled in a variety of mortgage industry software to include but not limited to; Calyx Point, Title Soft, Uniform,

E mpower, DocMaster, I Synergy, Softpro, EDGE, CLUES, Lotus Notes, Status Mart, LPS, AWD, LOS, Unifi, Zippy Plus, Loan

B uilder, LPS, R-SAM, Closr, JUMP, AUS, DU, and LP

PROFESSIONAL EXPERIENCE

May 2013 – October 2013

Home Service Specialist II (loan processing)/Junior Underwriter

Bank of America Home Loans, Tampa, FL

• Consistently exceeded all goals as the top producing processor

• Awarded monthly for the most loans closed and funded

• Delivered final approval on loans based on income and asset documentation

• Credit lending/signing authority up to the conforming loan limits

• Resolved title issues to ensure loans were within Fannie Mae/Freddie Mac guidelines

• Reviewed and cleared final loan conditions for approval using DU/LP

• Processed subordinations and verified REO information

• Resolved appraisal disputes

• Oversaw all loan closing details

• Focal Point of communication between borrowers, loan originators, realtors, and title companies

• Utilized Condo/Co-op/PUD project databases to research project status

November 2012 – May 2013

Underwriter/Quality Control

JCIII & Associates, Tampa, FL

• Underwrote for our due diligence team on pledge projects

• Conducted internal reviews of work completed by the Quality Control team

• Reviewed completion of final loan documentation to ensure document accuracy during loan origination and closing

• Checked accuracy, dates, and signatures on notes, final loan applications, final TILs, and the final HUD

• Reviewed insurance documents for correct mortgagee information documentation and for sufficient coverage prior to

c losing

• Evaluated appraisals to confirm the correct appraised value, residency, and documentation were included in loan closing

p ackage

• Examined approvals to confirm that the required income/asset documentation was provided to coincide with the loan

p rogram and requirements on the approval

• Reviewed all loan documentation to determine salability of the mortgage loan to the investor.

• Stacked complete origination packages based on loan approval

• Responsible for ensuring that all loan documentation was complete, accurate and suitable for clearing the required

c onditions listed on automated and lender approvals

• Flagged/Documented any discrepancies, red flags or mistakes made during loan origination through closing

October 2011 – September 2012

Mortgage Loan Processor/Junior Underwriter

ResMac Inc., Tampa, FL

• The sole in-house loan processor for our branch

• Managed the entire loan processing for our internal and local external Mortgage Loan Officers closing/funding an average

o f 20 loans per month

• Complete review and analysis of all incoming loan applications and supporting documents

• Prepared and sent out Initial Loan Disclosures in compliance with current mortgage laws and regulations

• Requested and obtained all the required additional documents from the borrower, title company, and all third parties

• Calculated borrowers’ income to verify ratios are compliant with regulated industry guidelines

• Key point of communication between borrowers, mortgage loan officers, and title

• Processed, stacked, and submitted the complete loan package to corporate underwriters for final loan approval

KELLI N. CAMPBELL

1555 Ridgeview Drive, Reno, NV 89519 813-***-**** k acdaum@r.postjobfree.com

P ROFESSIONALEXPERIENCE CONT.

April 2011 – October 2011

Mortgage Application Help Desk Consultant

JPMorgan Chase/Modis, Tampa, FL

• Trained and tested to remain current on all RESPA, federal, state, and local laws, rules, and

• Directly supported mortgage loan officers, underwriters, and loan processors through all phases of the lending process

• Provided remote and on-site support to clients, customers, and partners

• Assisted and trained loan officers, assistants, and processors on client base origination systems

• Analyzed all errors that may be present in the loan applications within the origination system

• Reviewed loans for compliance and auditing purposes in regards to RESPA, local, federal and state guidelines and

r egulations

• Provided technical support and trouble shoot structuring of loan files

Commercial Property Manger October 2010 – April 2011

Awen Properties, Tampa, FL

January 2010 – October 2010

U nderwriter

American Mortgage Consultants, Tampa, FL

• Lead the restructuring, modification, and loss mitigations of mortgages in default

• Identified underwriting/data discrepancies and other diligence issues

• Calculated and verified income structure including employment verification, tax returns, divorce decree, and alimony

• Verified funds to close (verification of deposits, gift funds, IRA, 401K, sale of assets, etc.)

• Interpreted credit agency reports, financial statements, and liability documentation to support underwriting decision to

e stablish creditworthiness of each borrower

February 2009 – March 2010

Home Service Specialist II/Junior Underwriter

Bank of American Home Loans, E vansville, IN

• Consistently exceeded all goals and awarded monthly for most loans closed and funded

• Ensured loans fall within specific loan guidelines and reviewed final loan conditions for approval using DU/LP

• Coordinated all closing details with the title company.

• Key point of contact between borrowers, loan originators, banking center, and title companies

Payoff Reinstatement Specialist March 2006 – February 2008

Florida Default Law, Tampa, FL

• Trained new employees in my department after being employed with the company for 6 months and doubled quota daily

• Prepared and transmitted Reinstatement and Payoff letters including Post-Judgment Payoff letters pursuant to Firm

p rocedures, the Fair Debt Collections Protections Act rules and other legal requirements and individual client guidelines

• Managed pending Reinstatements and Payoffs via reports and other tools

• Worked with file attorneys, clients, and team members for accurate and timely preparation of payoff and reinstatement

l etters

Loan Processing and Closing Assistant August 2002 – March 2006

Mortgage Investors Corporation, Tampa, FL

• One of the top producing processors in our processing center and in return was chosen to go to Colorado to train new

e mployees for the loan processing positions in our new branch that opened in Denver

• Prepared mortgage loans for submission and approval to the underwriting department

• Reviewed and verified all loan documents to confirm the accuracy through contacting various sources

• Ordered, followed up and obtained all additional information and documentation as needed including; requesting and

o btaining Land Surveys, Appraisals, Title work, Hazard and Flood Insurance, Credit reports, Payoff Statements etc.

• Cleared conditions to ensure all deadlines were met and loans were closed as scheduled

February 2001 – August 2002

Processing and Escrow Assistant

Eagle Title & Abstract, Tampa, FL

• Completed real estate escrow transactions by determining requirements by studying and clarifying buyer, seller, and lender

i nstructions

• Obtained clear title by ordering title report; resolving title defects; satisfying existing liens and encumbrances against

p roperty or Principals

• Prepared HUD by utilizing lender instructions; completed calculations by prorating taxes and interest

• Completed closings by recording and filing documents, prepared and distributed final closing statements and title

January 1999 – February 2001

Loan Set-Up Officer

New Century Mortgage, Tampa, FL

• Organized and arranged all new submissions in a specific stacking order

• Verified accuracy of loan applications, requested and obtained all additional required documentation

• Worked briefly in the appraisal dept.

EDUCATION

2000

Bob Hogue Mortgage Broker School

Tampa, FL

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