Mortgage Loan Professional/Processor
Resume:
KELLI N. CAMPBELL
**** ********* *****, ****, ** 89519
*******************@*****.***
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 ******************@*****.***
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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