KIMBERLY SHUMATE

ad249c@r.postjobfree.com 615-***-**** Antioch, TN 37013

Summary

Multi-talented loan processing professional versed in customer service and bank standards. Excellent communicator and decision-maker with a strong eye for detail and a proactive nature.

Knowledgeable Loan Processor bringing 20+ years of experience in banking and financial positions. Highly skilled in working well with people of all backgrounds to complete loan packages. Adept at building loyalty and trust between bank and customer.

Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.

Hardworking employee with customer service, multitasking and time management abilities. Devoted to giving every customer a positive and memorable experience.

Skills

Regulatory Compliance

Teamwork and Collaboration

Attention to Detail

File Management

Property Inspection Requirements

Employment Verification

Mortgage Loan Software

Dedicated Work Ethic

Credit Reports

Application Review

Appraisals

Credit and Collections

Cash Flow and Financial Analysis

Reviewing Financial Paperwork

Financial Document Review

Verifying Information

Loan Submissions

Processing Documents

Data Entry

Gathering Appraisals

Information Verification

Calyx Point

PCL, Blue Sage, Encompass

Experience

Mortgage Investors Group Knoxville, TN

Loan Processor

08/2011 - 09/2023

Analyzed loan applications and supporting documents to determine eligibility for approval.

Reviewed credit reports and financial information to evaluate creditworthiness of applicants.

Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.

Worked with THDA/FHA/RD/VA/Conventional loan programs and Guidelines, Credit Agency's, Reverse Mortgages, Deephaven Loans.

Communicated with customers via telephone or email to obtain additional documentation required for loan processing.

Submitted loan applications to underwriting department for review and approval process.

Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.

Reviewed appraisals to ensure accuracy of value estimates.

Collaborated with underwriters to resolve any discrepancies in applicant's financial profile or documentation issues.

Monitored progress of each loan application from start to finish ensuring timely completion.

Updated customers regularly on status of their loans throughout the processing period.

Provided excellent customer service while responding promptly to inquiries from applicants, lenders and brokers.

Researched escalated problems related to loan processing activities.

Adhered strictly to company policies when completing tasks associated with loan processing duties.

Calculated income, assets and liabilities to meet lender requirements.

Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.

Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.

Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.

Reviewed initial client documentation to structure and submit loan package.

Interfaced with borrowers to obtain needed items and prepare applications for underwriting review.

Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.

Managed conditions sent from underwriting departments.

Maintained complete confidentiality of submitted information according to release guidelines.

Created and completed loan submission packages.

Reviewed client documentation and contracts for discrepancies and mistakes.

Updated client account information and records in company databases.

Verified client financial information to determine creditworthiness and loan eligibility.

Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.

Collaborated with company teams to expedite loan approval processes.

Reviewed loan agreements to verify completeness and accuracy according to applicable policies.

Franklin American Mortgage Company Franklin, TN

Loan Processor

05/2009 - 05/2011

Reviewed credit reports and financial information to evaluate creditworthiness of applicants.

Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.

Communicated with customers via telephone or email to obtain additional documentation required for loan processing.

Submitted loan applications to underwriting department for review and approval process.

Maintained accurate records in computer database system during loan origination process.

Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.

Reviewed appraisals to ensure accuracy of value estimates.

Collaborated with underwriters to resolve any discrepancies in applicant's financial profile or documentation issues.

Monitored progress of each loan application from start to finish ensuring timely completion.

Updated customers regularly on status of their loans throughout the processing period.

Provided excellent customer service while responding promptly to inquiries from applicants, lenders and brokers.

Researched escalated problems related to loan processing activities.

Adhered strictly to company policies when completing tasks associated with loan processing duties.

Calculated income, assets and liabilities to meet lender requirements.

Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.

Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.

Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.

Interfaced with borrowers to obtain needed items and prepare applications for underwriting review.

Managed conditions sent from underwriting departments.

Maintained complete confidentiality of submitted information according to release guidelines.

Structured loan packages by properly analyzing credit reports, income and asset documents.

Reviewed client documentation and contracts for discrepancies and mistakes.

Informed customers of loan application requirements and deadlines.

Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.

Countrywide Mortgage Franklin, TN

Loan Processor

05/2006 - 04/2009

Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.

Communicated with customers via telephone or email to obtain additional documentation required for loan processing.

Submitted loan applications to underwriting department for review and approval process.

Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.

Reviewed appraisals to ensure accuracy of value estimates.

Updated customers regularly on status of their loans throughout the processing period.

Provided excellent customer service while responding promptly to inquiries from applicants, lenders and brokers.

Researched escalated problems related to loan processing activities.

Adhered strictly to company policies when completing tasks associated with loan processing duties.

Calculated income, assets and liabilities to meet lender requirements.

Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.

Interfaced with borrowers to obtain needed items and prepare applications for underwriting review.

Managed conditions sent from underwriting departments.

Reviewed client documentation and contracts for discrepancies and mistakes.

Updated client account information and records in company databases.

Education and Training

Chattanooga High School Chattanooga, OK

High School Diploma

05/1988

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