Loan Mortgage
Resume:
r Tina Tidwell
Anchorage, AK 99515
adcwh3@r.postjobfree.com
Profile
● 20+ years’ experience in financial services industry; extremely well-versed in consumer lending, underwriting, loan processing, financial analysis, escrow, real estate
● Able to foster and maintain highly cooperative relationships with real estate agents, title companies, mortgage closers, underwriters, and loan originators.
● Substantial experience with conventional, VA, FHA, and USDA loan products.
● Strong commitment to quality control and regulatory compliance specific to the financial industry.
● Adept at interpreting and explaining complex contracts and loan documentation.
● Solid ability to achieve individual and team goals while cultivating unified working relationships with all levels of an organization.
● Comprehensive knowledge and awareness of lending rules, regulations, and solutions.
● Received numerous awards and formal recognition for most closed mortgage loans monthly and annually; consistently surpassed targets for minimum closed loans each month.
● Trained, mentored, and educated new staff in policies, procedures. and guidelines for processing all mortgage types.
Experience
State of Alaska Department of Public Assistance 2019 to 2020
● Process applications and recertifications for Food Stamps and Medicaid programs.
● Calculate income by reviewing pay stubs, employment statements and tax returns.
● Complete interviews face to face or over the phone.
● Obtain required documentation based on State and Federal program guidelines.
● Call clients, employers and collateral contacts to assist in the intake and processing of new and existing cases.
● Build, nurture and maintain positive working relationships with applicants and existing clients.
● Maintain knowledge of all State and Federal policies, procedures and guidelines as they apply to Food Stamp and Medicaid programs.
DHI Mortgage Company - Phoenix, AZ 2017 to 2019
Paramount Equity Mortgage - Phoenix, AZ 2016 to 2017 IMortgage - Scottsdale, AZ 2015 to 2016
Alaska USA Federal Credit Union - Anchorage, AK 2007 to 2014
● Mortgage Loan Processor / Mortgage Loan Processor II / Senior Mortgage Loan Processor
● Verified loan approvals against established mortgage and government lending standards.
● Contacted loan applicants and lending institutions to clarify financial statement details with rigorous adherence to accuracy and confidentiality guidelines.
● Built, nurtured, and maintained positive customer relationships by knowledgeably answering questions, efficiently processing transactions, determining loan needs and histories, and promptly resolving issues.
● Ordered tax transcripts, FHA and VA case numbers, loan payoffs, employment verifications, appraisals, title reports, homeowners’ insurance, and flood certificates to facilitate loan approval process.
● Systematically analyzed loan applications, credit histories, income documents, assets, appraisals, purchase contracts, and title reports to verify accuracy, eligibility, and acceptability.
● Partnered with loan originator, home builder, borrowers, sales teams, and realtors to achieve mutual goals and optimize business continuity.
● Demonstrated transparency by educating and informing customers about loan products, company procedures, and expected timelines.
● Submitted loan files to underwriting team to facilitate credit decisions and obtained additional documentation requested as needed.
References
Robin Farmer
Eligibility Technician, State of Alaska
Tonia Merchansen
CNA, Alaska Regional Hospital
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