Kimberly Terry

ad30i0@r.postjobfree.com

**** ********* ****

Balch Springs, TX 75180 214-***-****

CAREER PROFILE

Mortgage professional with 22+ years’ experience interacting with the public. Highly qualified in service-based, positions requiring an emphasis on customer satisfaction in a fast-paced environment. Strong team player and leader. A proven and verifiable record for utilizing strong technical and interpersonal skills to enhance organizational efficiency and profitability. Committed to quality performance with an ability to learn new procedures quickly. Dedicated to achieving customer satisfaction as well as meeting or surpassing company expectations. Strong rapport with personnel, customers, and associates based on knowledge, professionalism, and integrity. Knowledgeable of all VA, FHA, FNMA, USDA, CHIP & Private loan guidelines.

• Excellent communication skills, both written and verbal, in relating to internal and external clients.

• Good organizational skills and ability to develop solid understanding of underwriting guidelines.

• Proficient in basic computer applications, such as Microsoft Office software products.

• Strong work ethic and respected as contributing team player through consistent collaboration with co-workers, integrity, and commitment to success.

Professional Experience

Incomna Staffing Agency/ TD Bank

Sr. Loan Processor (Home Equity/Remote)

850 Stephenson Highway

Troy, Michigan 48083

April 2022 – December 2022 (assignment ended)

Processed Home Equity Loans and Home Equity Lines of Credit

Ordered title, loan payoffs, credit supplements, verification of employments and submitted loans for final approval.

Engage weekly with assigned Mortgage Loan Officer to cover all loans within the pipeline to make sure

any challenges that may arise are addressed promptly.

Met and Exceeded goals each month

HOME POINT FINANCIAL SERVICES

Sr. Loan Processor

11511 Luna Rd Ste. 2OO

Farmers Branch, Texas 75234

July 2019 - January 2022

Processed Home Equity loans and Refinances

Met and Exceeded goals each month

Engaged daily with managers, clients and mortgage loan officers to review pipelines and loan conditions for production

• Work with the closing team/title company to schedule closings as well as ensure documents are at title for the closing while also making sure the borrower(s) are aware of the funds to closing. KBHS Home Loans, LLC

Sr. Loan Processor

8650 Freeport Parkway Ste. 250

Farmers Branch, Texas 75231

September 2017- June 2019

Maintain a pipeline of up to 50 builder purchase loans consisting of VA, Conventional, FHA, USDA, TDHCA and TSHAC bond programs from initial build to completion for the largest division of KBHS Home Loans, LLC, San Antonio.

• Ensure each file is “Gold Certified” which is a builder requirement that all credit, income and assets are validated to allow the builder to start construction of the home. Once certified through underwriting review, weekly contact is made to keep borrower engaged in the process as home is being built.

• Engage weekly with assigned Mortgage Loan Officer to cover all loans within the pipeline to make sure any challenges that may arise are addressed promptly.

• Work with the builder representative/utilize builder reporting to validate all closing dates are updated with Origin, our processing system, as well as the timeliness of construction to keep loans on schedule.

• Once home nears completion, updated income, assets and credit must be obtained, reviewed and calculated to ensure the loan continues to meet the product/company guidelines while also submitting the loan back for underwriting review. Title, appraisal and homeowner’s insurance are also ordered at this time to meet the builder specified closing date.

• Work with the closing team/title company to schedule closings as well as ensure documents are at title for the closing while also making sure the borrower(s) are aware of the funds to closing. Inwood National Bank

Dallas, Texas

Sr. Loan Processor

September 2016- August 2017 (temporary assignment)

*Verify loan documents including income credit appraisal and title insurance ultimately preparing application for submittal to underwriting

BB&T Bank

Plano, Texas

Sr. Mortgage Loan Processor

July 2012- June 2016

Develop and maintain a strong understanding of Mortgage Lending products, policies, processes. Initiate, track and collect the proper documentation necessary for the mortgage loan process. Maintained professional and successful relationship with customers by talking with them on a daily basis and guaranteeing good customer service. Close working relationship with sales partners to ensure fast and quality loan closings. Deeply experienced in developing and implementing company policies and procedures for financial transactions.

• Carried a pipeline of approximately 40-50 loans, which included Government-Sponsored Enterprise (GSE), Federal Housing Administration (FHA), Veterans Affairs (VA), United States Department of Agriculture

(USDA), and portfolio products, as required. Processing files from submission to funding with focus on the quality of each loan to avoid any quality/compliance errors.

• Submit mortgage loans to Underwriting ensuring company and investor policies and procedures are met which includes calculating all forms of income (e.g. wage earner, retirement, self-employed), reviewing real estate appraisals, calculating appropriate homeowners insurance coverage, calculating specific mortgage product program income and ratio requirements, analyzing bank statements to determine sufficient required assets, and other tasks as required. Reviewing title and appraisal.

• Obtain required credit and compliance documentation for assigned applications from internal clients, external clients, vendors, and third-party sources.

• Efficiently utilize automated mortgage processing system. Mentor new hire associates, as required. Bank of America

Dallas, Texas

Senior Foreclosure Specialist

September 2007 – July 2012

Maintained professional and successful relationship with corporate attorneys and Dallas County Officials to facilitate foreclosure sales. Knowledge of banking industry rules and regulations, and government regulations regarding foreclosures. Must have strong communication skills effectively communicate with internal business partners, leadership team managers and peers on deliverables, timelines and support needed.

• Responsible for the review of documents related to the sale of a foreclosed property to include title searches to identify any liens, inspection reports, appraisals and insurance policies.

• Reviews the client's mortgage payment history and financial documents, such as bank statements and investment portfolios to determine if the homeowner is eligible for a restructured loan to save the property. DR Horton Homes/DHI Mortgage

Rowlett, Texas

Mortgage Loan Processor

March 2003- June 2007

Maintained professional and successful relationship with customers by talking with them on a daily basis and guaranteeing good customer service. Provided customer service to all customers while defusing and resolving customer complaints and or concerns. Good communication skills including speaking clearly, succinctly, and accurately while using a pleasant tone and common conversational courtesies to satisfy all our customers’ needs during the loan process.

• Responsible for performing ensuring that all loan documentation is complete accurate verified and complies with company policy.

• Review file documentation and make sure all items needed are requested

• Verify loan documents including income credit appraisal and title insurance ultimately preparing application for submittal to underwriting.

• Meet crucial deadlines requested. Perform any additional duties/activities assigned by management Education

Jarvis Christian College

Hawkins, Texas

1992-1993, completed 60 credits

Computer Skills/System Experience/License

Microsoft Office (Word, Excel, PowerPoint, Outlook). Encompass UniFi, ePortal, Point and VA/FHA systems.

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