Katherine Machado

Roswell, GA ***** • 404-***-**** • ad11bi@r.postjobfree.com

Summary

Licensed mortgage banking expert with a wide range of professional credentials and 13 years of success delivering top-tier production. Self-motivated and enthusiastic, with a personal commitment to performance excellence. Exemplary work ethic complemented by natural leadership skills; regularly take the initiative to assume new professional challenges. Effective communicator, holding record of making vital contributions both as part of a team and individually. Able to strategize and produce favorable results, work well under pressure with urgency, care, and attention to detail. Extensive knowledge of Fannie, Freddie, HUD, and VA guidelines.

Professional Highlights & Experience

Calcon Mutual Mortgage LLC • Stockbridge, GA (August 2019 – May 2023) Sr. Mortgage Loan Processor Interact as vital, problem-solving team-member with Branch Managers, Loan Officers, and Underwriters, and interconnect with attorneys, insurance agents, borrowers, and other corporate branches/team members. Make sure files are complete, error- free, and within standard qualification (meeting loan program guidelines and company overlays) before submission to underwriting. Support all customers with the utmost care and urgency, and guide/assist through the loan process with understanding and professionalism. Reconcile locks, balance closing costs, and re-disclose as necessary. Responsible for clearing any outstanding Underwriter conditions in order submit files for closing as well as clear any post- closing/funding/investor conditions.

Alterra Group, LLC. • Roswell, GA (May 2017-January 2019) Sr. Mortgage Loan Processor Responsible for the review, submission, conditioning, and timely closing of all residential (Conventional, FHA, USDA, and VA) mortgage loans. Assist (new) Loan Officers with structuring files, and train Loan Officer Assistants on achieving successful organization techniques, loan processes, and understanding guidelines. Additionally responsible for preparing Loan Estimates upon lock of loan and preparing the files for Closing Disclosure/QC. Selected and training for promotion to in-house Underwriter before company merger with Panorama Mortgage Group.

Homestar Financial Corporation • Alpharetta/Duluth, GA (August 2016 – March 2017) Sr. Mortgage Loan Processor / Branch Operations Manager Oversee all branch Processors and LOA’s in order to maintain an up-to-date, accurate pipeline. Hold weekly meetings with Processors/LOA’s to set weekly goals, address/resolve concerns, and follow up on loan file progress. “Pre-underwrite” all files after set-up process and fully condition before submission to underwriting, to result in minimal underwriting conditions and a better customer experience.

(Feb 2016–August 2016)

Mortgage Loan Underwriter – DE Responsible for the underwriting of FHA residential mortgage loans. Assess risk, analyze credit and income (debt-to-income ratios), loan-to-value ratios, and adhere to lender, product, and AUS guidelines and meet investor standards. Collaborate as part of a team and assist with document preparation for final approval and punctual closing.

(May 2010–Feb 2016)

Mortgage Loan Processor Responsible for the setup, submission, conditioning, and timely closing of residential (Conventional, FHA, and VA) mortgage loans. Support Branch Managers, Loan Officers, and Underwriters, and interconnect/develop trusted relationships with attorneys, insurance agents, borrowers, and other corporate branches/team members. Make sure files are complete, error-free, and within standard qualification (meeting loan program guidelines and company overlays) before submission to underwriting. Responsible for clearing any outstanding Underwriter conditions to submit files for closing. (Held same position with branch moving from Primary Residential Mortgage, Inc. • Salt Lake City, UT to Homestar Financial Corp. May 2010-July 2013).

NMLS 1840820

Education Background

The Atlanta College of Art • Bachelor of Fine Arts in Fine Art/Illustration • The Art Institute of Pittsburgh • Associate of Science Degree in Web Design and Interactive Media •