Loan Processor Client Service
Resume:
Kishetra
Sasser
**** ** ***** **. ******, TX ***17
*********@*****.***
To secure a position in a positive environment that provides opportunities for growth and education, while also promoting new ideas, and fostering the possibility of advancement.
Skills
Microsoft Outlook
Microsoft Word
Microsoft Excel
Microsoft PowerPoint
Encompass Experience
Correspondent Lending / Retail Experience
Client service focused
Excellent written and verbal communication skills
Able to work independently and as a team player
Experience
07/2022 – 07/2023
Senior Loan Processor/Morgan Stanley Home Loan
Serve as primary point of contact for client interactions, internal and external business partners, including Financial Advisors, their clients, and Private Bankers.
Act as initial escalation point for loan process; provide alternative solutions and discernment to escalate further when necessary; demonstrate the ability to de-escalate situations as appropriate.
Manage and oversee the pipeline to ensure all loans are progressing in accordance with established expectations.
Request, review, and validate all loan processing documents such as income, credit, appraisal, insurance and title.
Coordinate with various processing, underwriting, credit risk and other internal/external business partners to complete fulfillment and ensure timely closings.
Provide comprehensive reviews and recommend solutions/options regarding credit risk of high-net-worth clients (complex income, asset and vesting scenarios)
Obtain documents to satisfy conditions for underwriting approval and product/pricing negotiations as necessary.
Provide perspective and feedback relative to client experience enhancements and process efficiencies.
Embrace the company core value of “Putting the Client First” by listening to client needs; understanding the loan transaction; managing expectations; and providing transparent client/partner communication and timely updates throughout the overall mortgage loan process.
08/2021 – 01/2022
Loan Processor/Supreme Lending
Calculating income, debts, and liabilities for underwriting approvals and making sure they fit within investor guidelines
Reviewing all documents of the closed loan package to ensure that all required documentation has been obtained and are correct and are within company/investor guidelines
Submit loans in timely manner and work to ensure that files are approved for purchase from investors
Collected data from clients such as their assets, income, debts and employment status to fill in information for the loan application
Communicate changes or deviations from expectations with all parties on the file (Insurance, Credit, AUS, Title Companies, Appraisers, etc.)
Communicate with borrowers to get necessary documentation to get loans purchased.
03/2017 – 04/2021
Underwriting Assistant-Junior Underwriter / Amerihome Mortgage Dallas, TX
Responsible for the operational management of client relationships, providing quality service by maintaining client accounts (pipeline management), including managing aged loans, leading regular client calls, and following up on escalations as needed.
Work heavily between underwriting and the client to ensure loans are clear to closed in a timely manner.
Running and maintaining daily reports to assist with managing a pipeline for up to 30 clients. Responsible for moving Conventional and Government loans in the pipeline forward towards funding and accountable for daily communication with all clients on a regular basis, maintaining specific communication SLA.
Responsible for coordinating and presenting to Sales Executive, Manager, and Clients regarding pipeline status, trends, and resolutions to improve any client concerns and pipeline movement
Provide assistance to our Conditions and Funding departments when needed to ensure the loans move through the pipeline in a timely manner and loans are funded, to help make sure company goals are meet.
Responsible for all withdraw/cancellation requests
Operations Account Representative (OAR)- Correspondent / Amerihome Mortgage Dallas, TX
Responsible for the operational management of client relationships, providing quality service by maintaining client accounts (pipeline management), including managing aged loans, leading regular client calls, and following up on escalations as needed.
Running and maintaining daily reports to assist with managing a pipeline for up to 20 clients. Responsible for moving Conventional and Government loans in the pipeline forward towards funding and accountable for daily communication with all clients on a regular basis, maintaining specific communication SLA.
Responsible for coordinating and presenting to Sales Executive, Manager, and Clients regarding pipeline status, trends, and resolutions to improve any client concerns and pipeline movement
Provide assistance to our Conditions and Funding departments when needed to ensure the loans move through the pipeline in a timely manner and loans are funded, to help make sure company goals are meet.
06/2016- 02/2017
Purchase Clearing Coordinator/ Fairway Independent Mortgage Corporation
Gathered necessary documentation required to get mortgage loans approved
Communicate with borrowers to get necessary documentation to get loans approved.
Calculating income, debts, and liabilities for underwriting approvals and making sure they fit within investor guidelines
Reviewed mortgage applications to confirm all essential fields are filled out
Reviewing all documents of the closed loan package to ensure that all required documentation has been obtained and are correct and are within company/investor guidelines
Submit loans in timely manner and work to ensure that files are approved for closing
Collected data from clients such as their assets, income, debts and employment status to fill in information for the loan application
Communicate changes or deviations from expectations with all parties on the file (Insurance, Credit, AUS, Title Companies, Appraisers, etc.)
Communicate with borrowers to get necessary documentation to get loans purchased.
07/2014-06/2016
Post Closer/ Oak Mortgage Group, Inc
Submit loans to investors in timely manner and worked to ensure that files are within program procedures in accordance with investor guidelines
Communicate changes and deviations from expectations with all parties on the file (insurance, credit, AUS, Title Companies, Appraisers, ect. )
Reviewed mortgage applications to confirm all essential fields are filled out
Submit loans in timely manner and work to ensure that files are approved for closing
Collected data from clients such as their assets, income, debts and employment status to fill in information for the loan application
Communicate changes or deviations from expectations with all parties on the file (Insurance, Credit, AUS, Title Companies, Appraisers, etc.)
Communicate with borrowers to get necessary documentation to get loans approved.
Responsible for insuring Conventional, FHA, VA and USDA loans. Making sure necessary documentation is obtained to get these loans insured in a timely manner.
08/2002-01/2014
MORTGAGE OPS SUPPORT ASSISTANT 2/ CitiMortgage, Inc.
Single point of contact for lenders in the correspondent department, answering phone calls and emails from these lenders regarding loans being purchased.
Perform component review for income, assets, and liabilities for escalated loans.
Pull pipeline maintenance reports daily to get loans purchased in a timely manner.
Reviewed escalated suspense conditions to establish if the condition could be cleared, in accordance with federal and state guidelines and the loan purchased.
Review Conventional, Government (FHA/VA) and all Adjustable Rate Mortgages (ARM Loans)
MORTGAGE OPS SUPPORT ASSISTANT 1
Cleared any incoming documents that are received in order to purchase loans.
Made any necessary corrections to data or input new data to make sure all loans are in accordance with federal and state guidelines.
Helped in Pre Purchase Review department. Review in-coming lender loans and input all data.
Establish if loan is fundable and purchase or send out suspense notification for loans that acquire further documentation.
MORTGAGE LOAN SPECIALIST/SUSPENSE REPRESENTATIVE
Answered inbound calls and emails from CitiMortgage Clients regarding status of loans, CMI guidelines, pricing, registration and any other concerns the client may have in regards to their loans.
Provided great customer service when handling calls, giving the lender correct information on what is going on with the process of their loan and helping them understand the steps that are being taken in purchasing their loan correctly.
Made any necessary corrections to data or input new data to make sure all loans are in accordance with federal and state guidelines.
Take the necessary steps to get the loan purchased.
MORTGAGE POST CLOSE AUDITOR
Audited closed home loans in accordance with state and federal guidelines.
Reviewed for accuracy, legibility of closed loan files.
Made authorized error corrections compared to loan documents.
Forward loan documents to the Curative department with any errors that need further action for completeness. Input necessary error code in order to keep track of corrections and grading of each loan.
UAT testing representative for Post-Close.
MORTGAGE CURATIVE REPRESENTATIVE
Processed files through curative and analyzing all necessary corrections.
Processed checks for customer refunds that where over paid by customers.
Inputted demographic corrections that were not possible for auditors to perform.
Auditing of Data Integrity and Cash Out accounts
Education
PRESENT
Bachelor of Business Administration Concentration in Finance / Strayer University
Pursuing a Bachelor in Business Administration with a Concentration in Finance
Currently maintaining a 3.0 GPA
03/2002
Business Administration Technology / ATI career training center, Dallas, TX
3.6 GPA
Dean’s List
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