Rashard Lynch

Jacksonville, Florida, United States

ad3d2u@r.postjobfree.com 480-***-****

linkedin.com/in/rashard-lynch-16890b99

Summary

Licensed Mortgage Loan Officer with almost 20 years of mortgage experience. Skilled at managing and processing applications for Federal Housing Administration (FHA), Veterans Affairs (VA), and conventional home loans. Recognized for consistently generating 100%+ of sales goals and building robust client portfolios. Experience

Mortgage Banker

Rocket Mortgage

May 2022 - Present (1 year 7 months)

• NMLS # 1317350

• Performed the mortgage lending function for FHA/Conventional/VA loans.

• Interviewed potential clients and assisted them though the whole application process.

• Processed loan applications from individuals, reviewed contracts, financial statements, tax returns ensuring company policies were followed

• Achieved 90% customer satisfaction ratings one monthly surveys. Senior Loan Processor

loanDepot

Dec 2020 - Mar 2022 (1 year 4 months)

Processed FHA/VA; refinance.

• Reviewed preliminary and final HUD, reviewed all closed transaction

• Responsible for the process of reviewing insurance mandated according to Fannie Mae and Freddie Mac regulations.

• Collaborated with each loan officer to determine which product line that each application should be submitted.

• Worked remotely and was the primary liaison between departments

• Managed a pipeline of 20-55 loans and maintaining a 63% pull through margin while using Empower and Encompass.

• Resolved routine title issues.

• Maintained an average of 94% customer satisfaction. Social Media Analyst

Genpact

May 2019 - Mar 2021 (1 year 11 months)

Make well balanced decisions and personally driven to be an effective advocate for our community

• Display a strong bias to doing what's right for the client platform in supporting the client's mission

• Investigate and resolve issues that are reported on client’s site such as requests for account support and reports of potentially abusive content

• Use market specific knowledge, signals and insights to spot and scope scalable solutions to improve Rashard Lynch - page 1

the support of our community of users

• Gather, analyze, and utilize relevant data to develop ways to improve the overall user experience on the site

Senior Loan Processor

Genpact

Oct 2018 - May 2019 (8 months)

Managed up to 45 loans at a time using Encompass while utilizing Desktop Underwriter and Loan Product Advisor

• Closed over 20 loans per month while exceeding the departmental expectations for speed and accuracy.

• Processed FHA/VA, Fannie Mae, and Freddie Mac refinance.

• Interacting with loan officers to coordinate the approval process and make it as efficient as possible

• Maintained excellent customer interaction

• Read and understand appraisals, AUS findings, title, and credit reports

• Communicate with borrowers, fellow employees and clients in a manner that shows sensitivity, tact, and professionalism

• Led and trained colleagues with different facets of loan processing

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

Mortgage Loan Processor

Aerotek

Jan 2018 - Oct 2018 (10 months)

Performs follow-up work as necessary to achieve conditional approval within established time frames

• Respond to all borrower phone calls and emails in a timely manner promptly and in within the timeframe established by management

• Collected, organized, and analyzed credit and collateral documents to present to underwriting as creditworthiness

• Performed general underwriting duties and assisted borrowers in clearing loan stipulations

• Obtains necessary customer documentation to support data provided in the applications

• Works as a liaison between investors, vendors, and borrowers throughout the loan process

• Assists with incoming files to Corporate Underwriting for review, assignment, follow up conditions Loan Processor

Contemporary Staffing Solutions

Mar 2015 - Sep 2017 (2 years 7 months)

Reading and reviewing financial documents to make sound financial decisions

• Working directly with underwriters and loan officers to understand the financial picture of the customer

• Effectively provided internal and external communication

• Act in full compliance with regulations to protect company’s assets.

• Input proper loan information into Encompass for processing. Mortgage Loan Processor

Aerotek

Aug 2014 - Mar 2015 (8 months)

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Set up borrower files, including but not limited to ordering tax transcripts, insurance, appraisal, and verification of employment

• Answered and managed incoming and outgoing calls while recording accurate messages

• Complied with all the regulatory requirements, including Bank Secrecy, Anti Money Laundering, USA Patriot Act, ad Community Reinvestment Act.

Senior Loan Processor

Digital Risk

Jan 2010 - Jul 2014 (4 years 7 months)

Process loans approved by an Underwriter or automated decision system (VA, FHA, Conventional, purchase & Refi)

• Review and analyze all documentation submitted by the borrower, as well as any third party documents received

• Maintain daily workflow by prioritization to ensure pipeline is managed and meets the required closing date

• Process subordinations, resolve appraisal disputes, coordinate closing, and clear any underwriter conditions

• Ensure documents are delivered to the closing department in a timely manner Education

Northern State University

Licenses & Certifications

NMLS

1317530

Skills

closing • content management • credit • customer relations • customer satisfaction • documentation

• financial • insurance • Encompass • Time Management Honors & Awards

Employee of the Month - Genpact

Jun 2019

Had the highest accuracy in my department

Rookie of the Month - loanDepot

Jan 2021

Closed on the highest number of loans from my training class Rashard Lynch - page 3

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