Linda Wray

Summary:

Motivated professional with a desire to take on new challenges; very strong work ethic; adaptable and exceptional skills when dealing with customers and putting out fires in a timely manner; seeking a new career opportunity with a stable, competitive financial institution. Skills

● Byte Pro

● Calyxes

● Communication

● Customer Service

Experience

Mortgage Loan Processor / Closer / Funder

Guaranty Bank & Trust Company 2013 - August 2023

● Process and submit loan files to underwriting.

● Clear underwriting conditions, loan documentation and policy exceptions.

● Adhere to the guidelines set by Fannie Mae, Freddie Mac, USDA, VA and FHA.

● Experience with MS Home Corp., HELP Grants and down payment assistance loans.

● Responsible for documentation required and necessary to close a loan.

● Prepare closing documentation and forwards the closing package to the closing agent for closing.

● Handles calculation of the wire and requests those proceeds to be sent to closing on time Mortgage Loan Closer

Rate One Mortgage 2011 - 2013

● Prepared final documentation and mortgage-closing packages for conventional and government loan products.

● Prepared net funding wire request to be sent to the closing agent.

● Cleared conditions to be met at closing.

● Handled all post-closing issues on loan as applicable. Accomplishments

● Received Super Star Processor Award by achieving a turn-around time of 10 days multiple times.

● Routinely processed challenging loan applications (e.g., first-time borrowers, self-employed applicants and borrowers with problematic credit histories and income earnings history).

● Broke records of number of closed loans in a month, dollar amounts in a month, turn-time from receipt of application and contract to closing in multiple consecutive months.