Customer Service Loan Processor
Resume:
Tonya DeMarco
Mortgage Loan Processor
Bixby, OK 74008
*************@*****.***
Committed, determined & motivated self starter. Consistently provides exceptional customer service. Exceptional work ethic, and professional demeanor.
• Maintains superior level of customer service
• Positive, focused, passionate, dedicated & determined.
• Fast learner, goal oriented, problem solver, can multi task, & is easily adaptable to change
• Excellent communication skills
• Excellent computer & typing skills
• Microsoft office, Excel, Word, Encompass, IHM, Caylx, Sterling, Genesis, POS systems
• Creative thinking & fresh ideas
• Ability to handle high stress work environment
Authorized to work in the US for any employer
Work Experience
Consumer Loan Processor
REGENT BANK - Tulsa, OK
August 2022 to May 2024
Responsible for creating accurate loan documents in the LO program Encompass. Ensured all documents adhered to company policy and any government loan requirements. Communicated with loan officers to ensure loan setup accomplished the intended need of the clients. Reviewed loan pipeline daily to ensure closing dates could legally be met. Kept loan officers updated regarding status of signed documents having been received or if still pending. A new application program was put in place however it wasn’t working. I immediately found a workaround solution for our loan officers to utilize to minimize any disruption in loan process. I stayed in constant communication with the programs contact as well as trouble shooting the program. I discovered the issue and had it resolved and fixed the same day it was found. I was the main contact for the loan officers questions and training in this program. I self assigned myself additional projects during slow periods such as reviewing all loan files to ensure we had all the hand signed loan documents required for all loans to be prepared for our bank audit. Implemented a new document retention procedure to ensure correct documents were retained per company policy. Worked on the banks conversion team verifying and cross-checking accurate information had transferred to our new system.
Mortgage Loan Processor
Lakeview Loan Servicing - Remote
March 2021 to January 2022
Responsible for processing a heavy pipeline of 35+ loans monthly. Ensuring timely communication and submission of loans, as well as ordering all required documentation. Maintained a high level of professional relationships with all vendors such as appraisers, realtors, and title companies. Submitted complete, organized loan packages in a timely manner to underwriting for final loan approvals. Proven track record of closing my loan files on time and in some cases early while adhering to the loan program requirements and the TRID guidelines and timelines. Strong knowledge with FHA, USDA, Conventional, Jumbo, 203KS, HUD 184, Full 203K, VA, Home Ready & Home Path DP assistance programs, as well as refinances including FHA streamlined and VA IRRL. Superior knowledge of encompass originating system as well as many others.
Mortgage Loan Processor
Oklahoma Central Credit Union - Tulsa, OK
June 2019 to February 2021
Responsible for processing a heavy pipeline of 20+ loans monthly. Ensuring timely communication and submission of loans, as well as ordering all required documentation. Maintained a high level of professional relationships with all vendors such as appraisers, realtors, and title companies. Submitted complete, organized loan packages in a timely manner to underwriting for final loan approvals. Proven track record of closing my loan files on time and in some cases early while adhering to the loan program requirements and the TRID guidelines and timelines. Strong knowledge with FHA, USDA, Conventional, Jumbo, 203KS, HUD 184, Full 203K, VA, Home Ready & Home Path DP assistance programs, as well as refinances including FHA streamlined and VA IRRL.
Fulfillment coordinator
Lowes - Bixby, OK
June 2018 to May 2019
Credit coordinator/Sales coordinator
Lowes - Bixby, OK
April 2018 to June 2018
Responsible for running, planning and coordinating in store credit events and promotions. Ensured all credit goals set by management and corporate were not only met but exceeded monthly. Ensure that all borrowers information was maintained following company policy and consumer credit regulations. Responsible for submitting credit applications for approval. Responsible for acquiring new pro credit accounts and ensuring customer satisfaction in store. Managing credit giveaways and had the stores most successful credit promotion which produced a new store record. Responsible for ensuring g all special order return merchandise was priced for resale and placed on sales floor to be resold. Responsible for monitoring the special order resales to ensure zero shrinkage in my department. Mortgage Loan Processor
US Mortgage Corporation - Tulsa, OK
October 2017 to March 2018
Responsible for processing a heavy pipeline of 20+ loans monthly. Ensuring timely communication and submission of loans, as well as ordering all required documentation. Maintained a high level of professional relationships with all vendors such as appraisers, realtors, and title companies. Submitted complete, organized loan packages in a timely manner to underwriting for final loan approvals. Proven track record of closing my loan files on time and in some cases early while adhering to the loan program requirements and the TRID guidelines and timelines. Strong knowledge with FHA, USDA, Conventional, Jumbo, 203KS, HUD 184, Full 203K, VA, Home Ready & Home Path DP assistance programs, as well as refinances including FHA streamlined and VA IRRL.
Loan processor
Associated Mortgage Co - Tulsa, OK
January 2016 to October 2017
Responsible for processing a heavy pipeline of 20+ loans monthly. Ensuring timely communication and submission of loans, as well as ordering all required documentation. Maintained a high level of professional relationships with all vendors such as appraisers, realtors, and title companies. Submitted complete, organized loan packages in a timely manner to underwriting for final loan approvals. Proven track record of closing my loan files on time and in some cases early while adhering to the loan program requirements and the TRID guidelines and timelines. Strong knowledge with FHA, USDA, Conventional, Jumbo, 203KS, HUD 184, Full 203K, VA, Home Ready & Home Path DP assistance programs, as well as refinances including FHA streamlined and VA IRRL.
Loan Processor
Spirit Bank Mortgage - Tulsa, OK
June 2013 to December 2015
Responsible for processing a pipeline that was made up of challenging loans and borrowers. Processed 5-6 203KS loan files monthly as well as down payment assistance files and new construction. Ensuring timely communication and submission of loans, as well as ordering all required documentation and builder/ contractor documents and licenses. Maintained a high level of professional relationships with all vendors such as appraisers, realtors, builders, contractors and title companies. Submitted complete, organized loan packages in a timely manner to underwriting for final loan approvals. Proven track record of closing my loan files on time and in some cases early while adhering to the loan program requirements and the TRID guidelines and timelines. Strong knowledge with FHA, USDA, Conventional, Jumbo, 203KS, HUD 184, Full 203K, VA, Home Ready & Home Path DP assistance programs, as well as refinances including FHA streamlined and VA IRRL.
Education
High school
Skills
• Excel (10+ years)
• Customer Service (10+ years)
• Credit Analysis (10+ years)
• Escrow (10+ years)
• English
• Banking (10+ years)
• Fair Housing regulations (10+ years)
• Encompass (7 years)
• Tax Return Analysis for Income Calculations (10+ years)
• Underwriting
• Mortgage Servicing
• Office Management
• Microsoft Outlook
• Financial Analysis
• Accounts Payable
• Pricing
• Sales
• Management
• Accounts Receivable
• Communication skills
• Loan processing
• Computer skills
• Lending
• Microsoft Excel
• Microsoft Powerpoint
• Microsoft Office
• Microsoft Word
Certifications and Licenses
NMLS
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