Employment History

Senior Processor at Fairway Independent Mortgage Corp., IL, Remote January 2022 — June 2023

●Coordinate activities with the branch teammates, corporate employees, and clients in a prompt manner.

●Work with the LO’s and LOA’s determine product suitability and communicate changes to a loan officer.

●Gathers financial documentation and other needed data to complete loan file.

●Evaluates loan applications for reasonableness and, if necessary, escalate files for further review.

●Works closely with the LO/LOA and borrowers to obtain missing documentation.

●Reviews files for completeness and accuracy prior to submitting to underwriting.

●Communicates with Underwriters to discuss potential issues and concerns.

●Modifies loan specifications as recommended by Underwriter.

●Obtains documentation needed to clear conditions.

●Communicates with the title company, appraiser, and other vendors as required. •

●Provides excellent customer service to borrowers, loan officers, vendors, and other interested parties.

Senior Processor at Greenway Mortgage, Middletown, NJ, Remote January 2021 — September 2021

●Loan application review of credit, income, and assets to ensure the loan addressed all initial requirements for the underwriter to make a loan decision.

●Worked efficiently to have loans processed as quickly as possible.

●Weekly pipeline reviews with the loan officers and assistant, to ensure timely processing and address any issues, and include pertinent information that will facilitate a more efficient underwriting review.

●Maintained a positive attitude despite any hurdles.

●Brought forth excellent creative thinking abilities and skills.

●Senior Processor at Caliber Home Loans, Downers Grove/ Remote August 2020 — January 2021

●Assisted home buyers with gathering the proper documentation for loan approval.

●Ordered credit, title documents, and appraisal reports.

●Ensured the privacy and security of a customer's files every step of the way.

●Communicated with attorneys, realtors, and title companies.

●Made recommendations for alternate actions as needed.

Senior Processor at Caliber Home Loans Aug 2020 - Dec 2020

●Effectively process home loan applications.

●Established excellent client service standards by supporting home buyers to assemble required documentation for loan approval.

●Identified missing documentation and liaised with staff and key business partners including realtors, title companies, and attorneys.

●Order credit, appraisal reports, and title documents.

●Preserved quality and data integrity of loan files.

●Processed loan applications in a timely and effective manner.

Senior Processor at Huntington National Bank, Downers Grove, Remote October 2017 — August 2020

●Became very familiar with the loan process and cultivated positive relationships with those involved in the process.

●Supported managing partners of the company by assisting with duties as needed. • Worked closely with internal and external partners, and customers to gather and prepare all documents required by underwriting.

●Well versed on handling negative conversations with borrowers and other involved parties

●Review of loan pipeline, management reports and loan origination system for adherence to meeting regulations and due dates.

Mortgage Operations/ Jr Underwriter at Members Mortgage Corp., Garden City, NY March 2015 — August 2017

●Review mortgage applications for completeness and integrity of loan data.

●Review of credit, income, assets, and additional specific factors to the file prior to registering and submitting loans to the lender.

●Clear communication with loan officers to address concerns on files and offer possible solutions.

●Communicate with lenders, underwriters, and internal management to address issues on suspended loans.

●Register loans with lenders, prepare broker disclosures and provide to the borrowers. • Follow up on receipt of fully executed disclosures and additional documentation to submit complete underwriting files to the lenders.

●Provide feedback and lender updates to loan officers, borrowers, and managers. • Ongoing participation in online lender training to keep abreast of mortgage lending updates (Review of FNMA, FHLMC, FHA, guidelines).

●Close working relationship with assigned lender account executives to obtain continuous pipeline updates. Work jointly on files to expedite the complete mortgage process.

Underwriter at Chase, Garden City, NY March 2012 — March 2015

●Review loan applications for completeness and accuracy of loan data.

●Conventional underwriting for owner/non-owner occupied, one-to-four family homes, including HARP loans.

●Prepare a detailed underwriting analysis identifying a borrower's capacity for repayment and understanding and personal financial condition.

●Submit files through automated underwriting software (Zippy, DU, LP).

●Review automated recommendation to approve the loan or refer it for further analysis

●Determine applicable loan conditions/documentation requirements and review/clear conditions.

●Complete reviews of residential appraisals for reasonableness and adherence to current regulations.

●Prepare and submit loans to integrity operations for further review of high risk files.

●Organized and prioritized work to complete assignments in a timely, efficient manner.

Senior Loan Officer at The Northern Trust Company, Chicago, IL May 2008 — February 2012

●Provide expert financial advice on mortgage loans

●Meet with applicants to obtain information for loan applications and to answer questions about the process.

●Carefully analyze documents and inform borrowers of missing items or information.

●Submit application and supporting documentation for underwriter review and recommendation.

●Manage my pipeline including month-end reports, compliance issues, and external communications.

●Built knowledge about the latest mortgage products and services through workshops and industry events.

●Effectively maintain a base of productive realtor relationships.

●Regularly exceeded sales goals.

●Gather and provide CRF and KYC compliance documentation to the mortgage compliance department.

Area of Expertise

Loan Processing & Origination Client Relationship Management Underwriting Credit Review Remote and Hybrid work Training

Financial Counseling Encompass LOS Software Customer Service

Risk Assessment Mortgage Regulatory Compliance

Administrative Support Conventional, FHA, VA, Bond Loans, USDA

Education

Bachelor’s degree in business, University of Phoenix, Schaumburg, IL August 2013 — September 2017

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