Kimberly Jones

ad1pch@r.postjobfree.com

623-***-****

Phoenix, Arizona

Kimberly is a driven finance professional with 10 years of mortgage loan knowledge and experience along with a demonstrated track record of maximizing customer service opportunities and consistently exceeding performance goals. Has successfully processed some of the most challenging loan applications (e.g. first-time borrowers, self-employed applicants) Adept at working in fast paced environments, employing strong organizational skills with attention to detail. Knowledge of Conforming & Nonconforming Loans, Conventional, Refinance, FHA, VA, ReverseMortgage, Balloon and HELOC, FRMs, ARMs, GPMs, JumboLoans, FannieMae & FreddieMac Guidelines, FHA, VA

Education

Associates of Arts Degree in Culinary Arts 2002 – 2004

Culinary Institute of VA Norfolk, VA

Professional Experience

Reverse Mortgage Loan Processor

November 2021 - July 2023

Finance of America Reverse

●Effectively managed and processed a full pipeline of mortgage loan files

●Evaluated loan files for regulatory compliance and completeness

●Accurately reviewed and input pertinent loan data into operational systems

●Ordered supplementary vendor products, such as title reports and property appraisals

●Obtained required underwriting conditions from loan officer and/or loan applicant(s)

●Utilized FHA Connection to update loan data as needed

●Communicated pipeline and file status to retail sales channels and management

●Worked closely with all operational departments to establish productive and efficient workflows

●Completed required checklists and worksheets

Mortgage Loan Processor

August 2017 – October 2021

Shea Mortgage

●Managed new construction mortgages for residential including jumbo loans

●Verified data collected, analyzed and decided whether it met guidelines or if other documentation was needed

●Documented communication through the conversation log; ensured loan application was in compliance with underwriting, investor, TRID, RESPA, and HMDA guidelines.

●Calculated income, reviewed assets and liabilities.

●Reviewed all disclosures for completeness and compliance.

●Completed final evaluations and analysis of completed application packages and submitted eligible files specifying any applicable conditions.

●Monitored rate lock information for data integrity and expiration dates; communicated discrepancies to the Loan Officer.

●Maintained accurate pipeline to ensure proper projections, closings, and regulatory compliance with Company, Federal, and State standards.

●Prepared when applicable, “Declination Letters.” Ensured accurate disclosure of the reason(s) for the adverse action as soon as it is determined that applicants do not qualify.

●Scheduled closing appointments with respective parties (i.e. title companies, closing attorneys, corporate closing department and customers etc.)

Loan Processor/Originator

March 2010– July 2017

Lighthouse Mortgage Norfolk, VA

Began as a loan processor, eventually processed and closed my own loans.

Successfully processed some of the most challenging loan applications (e.g., first-time borrowers, self-employed applicants and borrowers with problematic credit histories).

Worked closely with clients and described residential loan benefits and features.

Pre-qualified and pre-approved loans.

Performed credit evaluations and reviewed loan applications.

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