TAMMY

ELIZER

SR. MORTGAGE LOAN

PROCESSOR

931-***-****

ad4amk@r.postjobfree.com

Columbia, TN 38401

CONTACT

SKILLS

• Loan Origination System Expertise

• Title Examination Proficiency

• Documentation Review Competence

• Escrow Administration Familiarity

• Credit Evaluation Abilities

• Decision-Making Abilities

• Risk Assessment Acumen

• Software Proficiency

• Loan Processing Proficiency

• Collaboration and Teamwork

• Organizational Aptitude

• Data Entry Accuracy

• Ethical Conduct and Integrity

• Strong Communication Skills

• Mortgage Underwriting Expertise

• Appraisal Review Understanding

• Regulatory Compliance Knowledge

• Attention to Detail

• Problem Solving Prowess

• Fraud Detection Awareness

• Continuous Improvement Mindset

Reliable and detail-oriented professional with extensive experience in the banking industry. Proven record of providing support to loan officers in the application process. Skilled in verifying customer information, evaluating creditworthiness, and preparing loan documentation. Adept in using various banking software and financial systems for loan tracking and reporting.

PROFESSIONAL SUMMARY

Sr. Mortgage Loan Processor

Citizens Bank, Franklin, TN

EXPERIENCE

April 2019 - March 2023

• Developed strategies for streamlining processes to improve efficiency. Worked closely with underwriters and management team to resolve issues that arise during the processing stage of a loan application.

•

Performed quality control reviews on completed loan files prior to submission to

• investors.

• Prepared closing documents in accordance with investor guidelines. Participated in regular meetings with executive staff regarding workflow optimization initiatives.

•

Reviewed title commitments and ordered payoffs and satisfactions of existing

• mortgages.

Managed the pipeline by tracking progress of each loan file throughout the process.

•

• Processed mortgage loan applications from origination through post-closing. Maintained a high level of customer service while responding promptly to

• inquiries from customers, lenders, brokers and other departments. Analyzed financial information, such as income, assets, liabilities, credit reports and appraisals to determine applicants' eligibility for loans.

•

Responsible for reviewing and verifying loan applications to ensure accuracy and compliance with all applicable laws and regulations.

•

Maintained up-to-date knowledge of current industry trends including products,

• pricing, regulations.

• Resolved any discrepancies or issues that arose during the review process. Managed application workflow to provide timely approvals and meet lock expiration dates.

•

• Identified issues raised in documents and reported to loan officer for assistance. Reviewed mortgage applications to determine accuracy, completeness, and compliance.

•

Communicated conditions to borrowers in easy-to-understand, non-mortgage verbiage.

•

• Customer Service Excellence

• Title Examination

• Document Review

• Information Verification

• Pipeline Management

• Credit Verification

• Employment Verification

• Active Listening

• Title Abstracts

• Mortgage Insurance Arrangement

• Lending Software Systems

• Property Appraisals

Loan Officer Assistant

S.W.B.C. Mortgage, Brentwood, TN

Mortgage Production Assistant

Fifth Third Bank, Franklin, TN

.

Verified and examined information and accuracy of loan application and closing documents.

•

Assembled and compiled documents for loan closings, such as title abstracts,

• insurance forms, loan forms, and tax receipts.

April 2017 - March 2019

Assisted Loan Officers in processing loan applications and gathering necessary documents for underwriting.

•

Remained in contact with customers to follow up on loan applications and answer basic inquiries while providing quality service.

•

Monitored daily pipeline reports to ensure that loans were processed in a timely

• manner.

Verified accuracy of information on loan applications including income, employment, assets, debts and credit scores.

•

Collected supporting documentation from customers, gathering documentation for pre-approval.

•

• Analyzed credit reports for potential underwriting issues or discrepancies. Provided excellent customer service by responding to inquiries from customers regarding loan status or other related questions.

•

• Ensured compliance with all federal regulations pertaining to lending practices. Compiled financial data such as bank accounts, tax returns, income statements,

• appraisals and other documents required for the loan process. Reviewed closing documents with borrowers prior to signing ensuring accuracy of terms and conditions outlined in the mortgage agreement.

•

• Prepared and submitted loan packages to lenders for review and approval. Researched complex borrower situations in order to provide solutions that best

• fit their needs.

Actively participated in weekly team meetings offering suggestions and updates on progress made.

•

Answered customer inquiries to communicate active loan and loan application status.

•

Acted as point of contact by keeping customer and referral sources informed

• throughout process.

Conducted detailed reviews of title policies and insurance coverage before closing loans.

•

Ordered property insurance or mortgage insurance policies to protect against loss on mortgaged property.

•

Conducted interviews with customers to obtain detailed information regarding

• their financial history, income, and assets.

Calculated, reviewed and corrected errors on interest, principal, payment, and closing costs using computers and calculators.

•

March 2015 - May 2017

Quality Control Analyst

First Bank, Brentwood, TN

Reviewed appraisal reports for accuracy prior to submission to the lender for final approval.

•

Verified borrower's income, assets and liabilities to ensure they meet lending

• requirements.

Followed up with clients post-closing to ensure satisfaction with their experience.

•

Prepared initial drafts of mortgage loan documents for review by the Loan Officer or Underwriter.

•

Collaborated with real estate agents, title companies, appraisers and other third-

• party vendors throughout the loan process.

Developed strong customer service skills to effectively respond to inquiries from clients and lenders.

•

Communicated regularly with customers regarding status of their mortgage application.

•

Processed loan applications according to established procedures while adhering

• to compliance standards.

Provided training and mentorship to new team members on policies, procedures and best practices related to mortgage lending operations.

•

Compiled required documentation such as tax returns, credit reports, bank statements and pay stubs.

•

Assisted Mortgage Loan Officers with loan origination, underwriting and closing

• processes.

• Analyzed complex financial data to determine eligibility criteria for loans. Remained in contact with customers to follow up on loan applications and answer basic inquiries while providing quality service.

•

Answered customer inquiries to communicate active loan and loan application

• status.

Acted as point of contact by keeping customer and referral sources informed throughout process.

•

Verified and examined information and accuracy of loan application and closing documents.

•

Assembled and compiled documents for loan closings, such as title abstracts,

• insurance forms, loan forms, and tax receipts.

• Submitted loan applications with recommendation for underwriting approval. Contacted credit bureaus, employers, and additional reporting sources to check applicants' credit and personal references.

•

Ordered property insurance or mortgage insurance policies to protect against

• loss on mortgaged property.

• Advised customers regarding loans and transactions. August 2013 - March 2015

• Reviewed quality control processes for pre and post closed mortgage loans. Conducted root cause analysis of non-conforming products and identified

• corrective actions.

Maintained detailed documentation on all aspects of the quality control process for audit purposes.

•

Collected data and developed and utilized appropriate metrics for facilitating case reviews.

•

Review files for underwritting, credit, and closing per Banks checklist. Assist with

• data collection for defeciencies needed to clear to sell on the secondary market. Make decisions regarding defiencies identified during the review process. Perform data integrity review for loans underwritten by automated data such as DU and LP.

•

Analyze data to detect deficient controls and identify components that identicate a potential for fraud.

•

High School Diploma

Dickson SR. High School, Dickson, Tn.

EDUCATION

June 1981

CERTIFICATIONS

• I had my NMLS license for over 15 years.

• 40471

References available upon request

REFERENCES

Contact this candidate