Gay Lynn Branham

***** ******* ****** **.

Pearland, TX 77584

T.713-***-****

Loan processor with 30 years of experience in mortgage lending policies and regulations, loan processing documentation requirements, and loan closing procedures. Skilled in analyzing credit and financial data of loan applications.

SKILLS

Mortgages (Advanced), Refinance (Experienced) -Loan Origination – FICO - Consumer Lending Industry Knowledge: Credit Reporting - Credit Analysis - Construction Loans Tools and Software: Calyx Pointe - Encompass - Microsoft Office Suite – Vue Centric – CICS – Refinance - Commercial Lending - Portfolio Management - Credit Risk Management – Finance - Banking Loans - Credit Analysis Experience with mortgage loan software programs(Encompass and Calyx Pointe Verbal and written communication: Good interpersonal and customer service skills – Time management and organization skills - Ability to work with strict deadlines - Ability to explain technical concepts in simple terms - Ability to work in fast-paced environment - Willingness to learn new concepts to grow and advance.

EXPERIENCE

OneTrust Home Loans - New Mexico Group 2019-2023

Client Manager/ Processor

• Use communication skills to contact customers to assist in gathering necessary files.

• Process client information utilizing Encompass mortgage software

• Review data supplied by client for completeness and follow up for any required information

• Ordered appraisals, Title work, etc.

• Support client through entire procedure until closing

• Full contact with borrowers.

• specialized loan programs and our New Mexico branch OneTrust Home Loans - Portfolio Group Houston, TX 2019-2023 Client Manager/ Processor

• Gathering information for the loan application

• Evaluating credit histories for applications

• Collecting data from clients such as their assets, salaries, debts and employment status to fill in information for the loan application

• Researching and correcting mistakes in applications for clients

• Go over file documentation for missing or erroneous information

• Meeting loan application closing date

• Assisting Loan Officer with requests and tasks needed to complete and process applications

• These positions were fully remote from March 2020 to September 2023. Network Funding LLC, Houston, TX 2015-2018

Jr. Underwriter/Processor

• Use communication skills to contact customers to assist in gathering necessary files.

• Process client information utilizing Encompass mortgage software

• Review data supplied by client for completeness and follow up for any required information

• Ordered appraisals, Title work, etc.

• Support client through entire procedure until closing

• Full contact with borrowers.

• Created a database of 10K customers for follow-up calls and ensured

• RW received over 50 vital documents on time.

• invoices from 17 loan officers.

• Obtained 60% of missing documentation by contacting customers.

• Contacted customers and their guarantors to resolve issues related to outstanding balances by following up on delinquent account.

EDUCATION

• South Houston High School, Pasadena, TX -Graduated May 1984

• San Jacinto College, Pasadena, TX -August 1984 - May 1986 General studies and computer Science