Data Entry Customer Service
Resume:
JENNIFER
CAMPBELL
*****************@*****.***
Imperial Beach, CA 91932
CONTACT
SKILLS
• Escrow Coordination Experience
• Effective Time Management
• Documentation Review Competence
• Title Review Understanding
Ability to work in a fast-paced fluid
environment.
•
• Detail-oriented.
• Adaptability to Change
• Team Collaboration Strengths
• Problem Solving Aptitude
• Quality Control Adherence
• Loan Closing Familiarity
• Software Application Proficiency
• Regulatory Compliance Knowledge
• Data Entry Accuracy
• Credit Evaluation Abilities
• Fraud Detection Awareness
• Mortgage Underwriting Expertise
• Strong Attention to Detail
• Loan Processing Proficiency
• Advanced Organizational Skills
• Clear Communication Abilities
• Pipeline Management Know-How
• Multitasking Capabilities
Highly motivated and organized mortgage professional with experience in the financial services industry. Adept at quickly and accurately evaluating applications and credit histories to determine eligibility of applicants. Skilled in data entry, document preparation, and loan servicing. Excellent interpersonal and communication skills with a strong focus on customer service and satisfaction.
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
Senior Mortgage Loan Processor
Orchard Mortgage, New York, New York
EXPERIENCE
September 2019 - April 2023
- Managed loan pipeline of 80+ loans with average of 30+ funded files per month as an individual loan processor. - Served as liaison between client and lender. - Experienced in brokered, delegated, and non-delegated loan process from application to post close.
•
Underwrite and analyze all types of income verification to include tax returns, etc
•
And review and analyze appraisals, credit reports and title policies - Point of contact for third party services, managed relationships and work flows with title, escrow and appraisal services. - Built and developed department standard operating procedures, managed lender relationships, assisted with rate lock extensions, appraisal orders, and ensured loan disclosures were released within compliance time frame. - Knowledge and understanding of all channels including Retail, Wholesale and Correspondent Lending.
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Performed detailed calculations of borrower's income, assets, liabilities and overall financial status to determine eligibility for loan approval.
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Maintained updated knowledge of lending guidelines from various sources including Fannie Mae, Freddie Mac, VA, FHA, USDA and internal underwriting requirements.
•
Managed the pipeline by tracking progress of each loan file throughout the
• process.
• Ensured timely submission of accurate mortgage loan files to investors. September 2015 - September 2019
• Customer Service Excellence
LANGUAGES
• Spanish
Advanced
Mortgage Loan Auditor
Guild Mortgage, San Diego, California
Mortgage Loan Processor
San Diego County Credit Union, San Diego, California
- Reviewing mortgage transactions for data quality and underlying misrepresentations - Identifying issues and making recommendations to improve internal controls and operations - Re-underwriting loan files - Being a subject matter expert in loan origination and reviewing files for accuracy and compliance - Maintain the ability to be entrusted with sensitive and confidential information.
•
Develop and maintain basic knowledge of all applicable laws and regulations affecting Consumer/Mortgage Lending, such as:
•
• TRID
• Equal Credit Opportunity Act
• Unfair, Deceptive, Act and Practices
• Appraisal Independence Requirements
• Anti-Money Laundering/Bank Secrecy Act
• Graham Leach Bliley Ac
Assist in the engagement with the various departments for the collection of
• data and fulfillment of external audit requests
Follow up with other departments to obtain documents and information in a timely manner.
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Assist in gathering, archiving, and maintaining business records while ensuring documents are authorized for dissemination both internally and externally.
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• Monitor and track all External Audit Requests
Update and maintain records of each audit, exam, certification as materials received and provided.
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Ensure deliverables to all external requests are accurate and the presentation of such information is orderly, professional, and complete.
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Develop corrective action plans in collaboration with the business owners,
• monitor the implementation and test remediation. Planned and performed audit functions by reviewing accounting ledgers, fiscal statements, and reports.
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Reviewed financial statements and documents to identify discrepancies or inaccuracies in reports.
•
February 2010 - September 2015
Responsible for efficiently and accurately processing mortgage loan applications in compliance with credit union lending guidelines and Fannie Mae mortgage industry standards.
•
• Maintain quality service standards set by the organization
• Loan products include 1st & 2nd Trust Deeds and Equity Lines of Credit Process all 1st, 2nd, and Home Equity loan applications according to underwriting conditions, secondary marketing standards along with state and federal regulations.
•
Ordering and obtaining all necessary loan documentation and compiling the loan file in accordance with credit union guidelines
•
Mortgage Loan Processor
Equity Plus Financial, San Diego, California
Loan Processor/File and Doc Funder
GreenPoint Mortgage, San Diego, California
• Proficiently maintain a pipeline of 40 – 70 loans. Underwrite and analyze all types of income verification to include tax returns,
• etc
• And review and analyze appraisals, credit reports and title policies. Work with real estate agents and contractors: escrow and title companies to secure clear title and vesting on behalf of the lender.
•
• Obtain and clear all outstanding loan conditions.
• Update borrowers, agents, and branch real estate specialists with loan status. Keep abreast of day-to-day policies, procedures, products, rates and PC programs.
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• Create and update tracking records for pipeline report. Handle telephone inquiries, research and resolve member problems, provide information and assistance to members and staff.
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Prepare closing documents, to include rate lock commitments, and accounting of all fees.
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• Ensure completeness and accuracy of all loans prior to funding.
• Create Policies and procedures
March 2005 - January 2010
Prepare and process loan packages for conventional and sub-prime lending institutions
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Review all files prior to submission and throughout loan process to ensure
• compliance with policies and procedures'
Work directly with Escrow and Title on all loan conditions to ensure loan closing and recording
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Responsible for auditing and maintaining a high level of quality control on all files
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Assisted loan officers' and or Mortgage brokers on inputting loans into the office
• software
Worked on lenders' conditions with underwriter, escrow and Title companies throughout the loan process
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• Provided administrative and clerical support to office staff Managed all daily branch operations including, opening and closing of branch, implementing and maintaining policies and procedures, and ensuring compliance with federal banking regulations
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Communicated effectively with clients, lenders, realtors, appraisers, and other parties involved in the transaction.
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April 2003 - March 2005
• Verify loan information as necessary by contacting brokers
• Process all new loans
Upon completion of all required forms I submitted all documentation to underwriter
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• Customer Service
• Clerical Duties
• Reviewed Appraisals and all conditions
• Structured each file to fit guidelines within the company Utilized strong customer service skills to effectively communicate with
• customers regarding their loan applications.
Verified that all required documentation was received before submitting the file for final approval.
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Successfully maintained a high level of accuracy in processing loan documents and ensuring compliance with all state, federal, and agency guidelines.
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Worked closely with underwriters to resolve any outstanding conditions or
• issues related to a loan file.
General
Grossmont, San Diego
EDUCATION
CERTIFICATIONS
• Notary
• Six Sigma
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