Mortgage Loan Customer Relations

MARI GUNNELS

Chelsea, AL ***** **********@*****.*** 205-***-****

PROFESSIONAL SUMMARY

Resourceful and strategic planner who implements process improvements to ensure the accuracy and efficiency of gathering, reviewing, and processing required documentation to ensure compliance, minimize risk, and expedite closing procedures. Dynamic self-starter who is capable of working remotely while cultivating stakeholder relations to drive referrals and maximize business growth. Effective leader who collaborates with underwriters, appraisers, inspectors, closing agents, and clients to consistently meet organizational goals and ensure the highest level of service.

AREAS OF EXPERTISE

Mortgage Loan Origination Mortgage Loan Processing Underwriting Processes Title Review Lending Operations Construction Loan Processes Commercial Lending Processes Banking Processes Loss Mitigation Credit Reviews Reporting & Documentation Lease Management I Operations Management Communication Skills Risk Management BSA/AML Team Leadership Strategic Planning Process Improvement AP/AR Bookkeeping Closing Processes I Loan Auditing Customer Relations Effective Issue Resolution Lead Generation & Marketing HMDA I Collections

Paraprofessional Educator

Educational classroom supportive Paraprofessional Teacher. Providing staff support to an educational environment. Work with students attending classes and providing lessons and instructions in advanced Math, Science, English and Geography.

Sr. Mortgage Loan Processor

Provided mortgage loan processing from loan application through closing in collaboration with mortgage loan originators and investors. Processed each loan file by accomplishing various loan and lender requirements. Ran OFAC and Sale and Repurchase Agreement (SRA). Ordered credit supplements, appraisals, Credit Alert System (CAIVRS), preliminary title, and VA Certificate of Eligibility, as needed. Generated weekly pipeline report details.

Senior Mortgage Loan Processor

Oversaw construction lending processes from loan application through closing in collaboration with mortgage loan originators (MLO) and the underwriting team. Processed each loan file by running various risk management reports, including Loan Deficiency Payments (LDP), General Security Agreement (GSA), Office of Foreign Assets Control (OFAC), and Sale and Repurchase Agreement (SRA). Ordered credit supplements, appraisals, Credit Alert System (CAIVRS), preliminary title, and VA Certificate of Eligibility, as needed. Generated daily, weekly, and monthly reports to document accounts payable/build progress and provide an inventory of outstanding loan documents.

Selected Achievements:

Minimized risk and expedited the loan process by prequalifying applicants and acquiring necessary documentation according to lending requirements before submitting application to underwriters and prior to loan closing date.

Improved communications by acting as a liaison among originating, underwriting, and title departments, clients, inspectors, appraisers, and the closing agent.

Achieved the highest ratings for customer satisfaction by addressing client needs and resolving issues quickly and efficiently.

Senior Mortgage Loan Officer

Processed loan applications from origination through closing, including conventional, FHA, VA, USDA, construction, and jumbo loans. Conducted preliminary credit reviews to prequalify clients, gathered required documentation, ran risk management reports, and ordered preliminary titles, appraisals, and final inspections prior to close.

Selected Achievements:

Minimized risk by prequalifying applicants and acquiring all necessary documentation before submitting application to underwriters.

Expedited the loan process by gathering additional documents required by underwriting and continually monitoring credit, debt-to-income ratio, and other risk factors prior to closing date.

Generated business and secure new loans by cultivating relationships with builders and real estate agents to drive referrals.

Senior Loan Officer – Area Construction Manager

Originated conventional, FHA, FHA 203K, VA, USDA, jumbo, construction, renovation, commercial and in-house loans and processed files to prepare for underwriting. Performed weekly construction inspections, processed foreclosure proceedings, and managed bank-owned properties. Handled FiServ issuance and deposit of funds, payments, wires, and transfers.

Selected Achievements:

Improved cash flow and financial management through bookkeeping, processing accounts payable and receivable, reconciliations, and balance accounts, and tracking budget changes.

Ensured accuracy, confidentiality, and compliance by auditing assigned files.

Enhanced communications by acting as a liaison among all divisions and senior management and acting as sole contact for project scheduling and changes.

ADDITIONAL EXPERIENCE

Branch Manager for Alethes, Birmingham, AL

Senior Processor for AmSouth, Birmingham, AL

VP/Branch Manager for Molton, Allen, and Williams, Florence, AL

EDUCATION, TRAINING, LICENSES, & SKILLS

Business Administration, Accounting and Marketing, University of North Alabama

BSA/AML Training, Mortgage Educators and Compliance (MEC), 2022

Current NMLS License Technical Skills: MS Office Suite, Calyx Point, Encompass

Shelby County Board of Education 06/2023-Present

Birmingham Mortgage Group 05/2023-07/2023

KBHS HOME LOANS - Remote 10/2020-12/2022

PARAMOUNT MORTGAGE– Birmingham, AL 12/2019-10/2020

SOUTHFIRST BANK/MORTGAGE – Birmingham, AL 2/2007-12/2019

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