**** ****** ** • CLEVELAND, OH ***** • PHONE 858-***-**** • ad1xn4@r.postjobfree.com

JENNIFER O’BRIEN

SUMMARY

Results oriented, highly efficient professional with 15 years of experience working in Financial Analysis, Processing, Closing, Funding and Compliance of mortgage loans and commercial lending, holding accountability for auditing loan files, process implementation, financial reporting and account support while maintaining high quality and customer service levels. WORK EXPERIENCE

12/22 – Present UMortgage Cleveland, OH/Remote

Loan Processor / Loan Quality Analyst

● Prior to submitting loans to underwriting, I review all documents and speak with loan officers, loan officers assistants and borrowers to ensure that no foreseeable issues are unaccounted for.

● I ensure that all loan officers and buyers agents are regularly updated with the status of their loans progress.

● As part of the Loan Quality Team, my role was to work through everchanging audit points, suggest changes to audit criteria and ensure that all audits were completed accurately, impartially and in a timely manner along with taking on escalation audit requests of entire pipelines and summarizing feedback in a non-personal and factual manner.

08/21 – Present AnnieMac Home Mortgage Cleveland, OH/Remote Loan Processor

● Managed pipelines of 6 loan officers and adjusted processing flows to match each individual loan officers preferences and communication styles.

● Excelled in communication so that all deadlines were met, and potential issues were flagged as early as possible. Implemented Call, Email, Text procedure for all loans. Regardless of pipeline size, all realtors, borrowers, title companies and attorneys receive three time weekly status calls followed by a recap email and text message update.

7/20 – 07/21 CrossCountry Mortgage Cleveland, OH/Remote Loan Processor

● Through the refinance boom, carried a pipeline of 75 FHA and Conventional purchases and refinances utilizing Encompass.

● Regularly accomplished one-touch loan approvals on initial submission to underwriting.

● Managed all aspects of processing from disclosures through final approval while consistently meeting deadlines and expectations both internal and external.

● Regularly assigned to jumbo and non-QM loans due to an understanding of guidelines and ability to research overlays.

12/17 – 7/20 Fund That Flip Cleveland, OH/Remote

Senior Processor / Closing Specialist

Senior Financial Analyst, Closer for a financial startup specializing in hard money loans for fix and flip rehabbers.

● Working for a small company with many moving parts and frequent staffing changes required executing the primary role of analyst while also stepping in as a processor, appraisal order management, customer service liaison, closer, doc drawer, funder, and post close support without any breakdowns in the customer experience or quality of work

● As one of the first 15 employees in the Cleveland office, my initial responsibility was to streamline and document policies and procedures for the processing/closing team while maintaining a full processing workload of 30+ clients and the entire company portfolio of brokerage accounts

● Analyzed bank statements, investment accounts, and tax returns against YTD P&L’s to confirm profitability of borrowing entities

● Consistently maintained an error rate below 1%

02/17 – 12/17 Geauga Savings Bank Beachwood, OH

Processor / Closer / Funder

● Successfully managed all responsibilities in the department when staffing issues left only myself to fill all roles except licensed/DE underwriter and sales

● Responsible for financial analysis and reporting of the profitability of the Mortgage Department of the bank – line by line determining the entire cost of the department from supplies and program licenses to staff then turning that data into a fillable report outlining the number of loans, rate spread, points charged and origination costs required to remain a profitable extension of the bank prior to the bank being offered for sale.

● Implemented procedures to move Residential Lending to a paperless platform and worked with a third party to implement a new LOS and ensure calculations, regulatory tracking reports (HMDA), loan documents and processing requirements were accurately mapped. 09/16 – 02/17 Epic Mortgage Grand Blanc, MI

Operations Manager

Operations manager with experience understanding customer needs, tracking and measuring performance, maximizing staff utilization and assisting department heads in lowering turn times. Responsible for monitoring and continually improving standards of performance and quality within the company by developing and implementing policies and procedures.

● Implemented processes, procedures and checklists that reduced average closing times from 45 to 30 days.

● Managed day to day operations including business development, processing, quality control and compliance.

● Set daily and weekly goals for the team with respect to turn times, processing times, compliance, and delivery of loans.

10/10 – 08/14 BofI Federal Bank San Diego, CA

Closing and Compliance Specialist

● Wrote and maintained the accuracy of all department procedures and auditing guidelines to ensure that every loan file met quality standards.

● Developed and implemented processing audit guidelines for single and multi-family divisions.

● Assigned as the dedicated employee for all complicated loan document packages and scenarios including Co-Op's, Trusts and Entities.

● Lowered post sale investor audit finds by designing and implementing a quality control process completed in the loan closing department prior to fund disbursement. Implemented successful tracking and management system for post-closing collateral delivery, saving the company thousands of dollars in late fees.

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