Loan Processor/Underwriter 1

Katrina Elliott

Jacksonville, Flordia

Email: *******.***********@*****.*** Ph: 904-***-****

Highly-motivated, results-oriented and knowledgeable professional with 15+ years of extensive experience providing quality customer service, loan processing, team leadership, and company organization. Highly skilled at troubleshooting customer complaints, loan applications and mortgage verifications, document analysis, as well as executing loan processes and evaluating fraudulent documentation to meet timelines and company operational goals.

w Skills w

Customer Service

Strong written & verbal Communication

Time Management

Data Entry

Employee Training

Problem Solving

Underwriting (intermediate)

Microsoft Office

Risk Management & AML

Cross-Selling

Interpersonal Skills

Tech Savvy

w Professional Experience w

NewRez Mortgage, Jacksonville, FL (March 2021-Present)

Loan Processor

Evaluate loan risk by verifying application information and ensuring the information met loan criteria guidelines and standards.

Amend loan parameters, terms, program as well as SSN verification, work history and credit report review.

Deliver excellent customer service and assisting borrower through welcome call to funding of loan.

Evaluate residential mortgage loan risks by reviewing AUS findings (FHA, DU, LP and VA Loans).

Complete title review for clear to close, clearing of judgments, subordination, solar contract, and vesting correction.

Train new teammates and processed re-assigned aged loans/pipeline review.

Key Achievements:

90% efficiency pass rate for loans sent to underwriting for clear to close.

Wells Fargo Home Mortgage, Jacksonville, (Oct. 2019-Mar.2021)

Mortgage Processor (SAFE) 4

Reviewed files of complex home applications as well as enter loan information and submit loan files to underwriting for review.

Established timely and clear communication with customers and all necessary parties to obtain missing information and documentation for the loan file.

Ensured all compliance and underwriting guidelines are met along with obtain and clear approval stipulations.

Prioritized and manage assigned pipeline to meet anticipated closing dates and performance metrics.

Provided guidance and training to other mortgage employees.

State of Florida Department of Children and Families, Jacksonville, FL (July 2019- Oct. 2019)

Economic Self Sufficiency Specialist

Interviewed applicants to obtain and verify information needed to determine eligibility for Food Stamps, Medicaid, and Cash Assistance.

Determined program eligibility in accordance with current regulations using the computer-based eligibility system.

Researched information provided by an applicant until satisfactory explanations regarding eligibility status was confirmed.

Established and maintained multiple electronic files and conducted regular reviews and updates along with documented all communications and contacts with clients.

Planned and organized a large computer caseload, ensuring that accuracy levels were maintained, and cases were processed within the specified time frames set by federal and state regulations.

Computed and authorized grant amounts based on financial and family status. Reviewed and explained public assistance amounts to clients to authorize payment of monthly benefits.

Accurately documenting knowledge on changes in rules, laws, procedures, etc. and reported cases where identity theft or fraud was suspected.

One Call, Jacksonville, FL (Sept. 2018-May 2019)

Accounts Receivable Representative

Found solutions to open receivables by reviewing coding, products, contracts, payment agreements, fee schedules and authorization terms.

Efficiently addressed denials and partial payments of invoices by utilizing appropriate collection workflow processes included data entry of client information- and sorting and verifying the accuracy of data before it is entered.

Ditech Financial, Jacksonville, FL (Oct. 2015-Aug. 2018)

Underwriter- Consumer Lending

Evaluated conventional loan risk by verifying application information and ensured the information met loan criteria guidelines and standards.

Evaluated residential mortgage loan risks in a timely manner using sound underwriting decisions and upholding compliance and underwriter market standards.

Updated Encompass and underwriting systems to verify, add, delete, or waive conditions.

Key Achievements:

Promoted to a underwriter from a loan processor due to performance, quality, and closings.

Adecco/ Citibank, Jacksonville, FL (Sept. 2014- Oct. 2015)

Anti-Money Laundering Analyst

Investigated the accounting documents of the organization to ensure compliance of each transaction regarding accuracy, legal and ethical standards.

Reviewed any suspicious money transfer, dealings or documents in a timely manner and verified authenticity.

Conducted investigations (name screening) on the politically exposed persons suspected of indulging in illegal activities.

Updated the organization on current AML related industry standards, procedures, and practices.

SVS staffing/ JP Morgan Chase, Jacksonville, FL (Apr. 2013- Apr.2014)

Loan Document Specialist

Provided a quality review and evaluation of residential condo project submission documents.

Acted as a team-player when communicating and collaborating with Sales Reps, Brokers, Operation Depts. and Teams.

Analyzed budgets, declarations, by-laws, HOA questionnaires, 1073 and Master Insurance/HO6.

Key Achievements:

Increased team productivity by providing stellar customer service and document review.

w Academic Credentials w

Douglas Anderson School of the Arts (Diploma)

Credit Lending Authority

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