Loan Processor Executive Account

Bridget D. Buttner

**** * ******* **** #****, Chandler, AZ 85251

480-***-**** **************@*****.***

Summary of Qualifications:

Effectively managed pipelines to ensure Compliance and Service Level commitments are met

Detail oriented with strong problem-solving skills which resulted in consistent top production and quality

Highly experienced with FHA, VA, Jumbo and Conventional loans

Trained on purchase, new construction, and refinance products

Professional Experience:

9/7/2021- Present : Entrust Funding – Executive Account Manager – Scottsdale AZ

Review 1003 to ensure filled out to its entirety and verifying all information is correct

Evaluate applicants financial information including salary, assets, debts and expenses

Calculating applicant credit scores

Ensure compliance with banking regulations

Submit detailed loan package to underwriting

Prep file for closing, and ensuring all screens in encompass are filled out with escrows, and any and all fees

Call out the final approval, walk borrower through the Closing disclosure and schedule the closing

03/19-9/1/2021: AmeriSave Mortgage Corp - Processing Team Lead Acting Manager – Chandler, AZ

Managed the day-to-day activities of 10+ team members

Delegated tasks to the team

Performed weekly pipeline reviews for all, including lock extensions, credit reports and all documents

Developed and implemented a timeline to achieve targets

Conducted training of team members to maximize their full potential

Conducted quarterly one on one performance reviews

Point of conduct for third party vendors to obtain title documents, appraisals, and such

Responsible for de-escalating any processing customer concerns through email and phone communication

Carried a pipeline of 30- 200 files per month

Maintained a turn time of less than 30 days from application date to funding date

Reviewed closing disclosures with the borrower to answer questions and clarify everything with them

12/17 – 03/19: The Money Source Inc. – Originations Loan Processor – Phoenix, AZ

Reviewed applications for completeness, validated loan met guidelines and updated data in Encompass

Reviewed borrowers’ credit reports and ordered any applicable supplements

Calculated debt-to-income (DTI) ratios and cash to close

Worked with internal partners to clear conditions in a timely manner

Obtained a decision on the loan within 25 days from the date of the application

Maintained SLAs, KPIs and 30-day life cycle of loan

Assisted with side by sides and training to all new employees

Processed and close 15+ loans per month

3/17 – 12/17: Bank of the West CRES Senior Loan Processor – Phoenix, AZ

Received loan application from Sales Team and reviewed documents to ensure all necessary forms have been completed and complied with underwriting, PMI, and secondary market guidelines.

Set up loan files and entered information for tracking of loan. Submitted loan through DU/LP automated underwriting system upon validation. Prepared and mailed initial or revised disclosures if applicable.

Determined and evaluated documentation needed to comply with underwriting, PMI secondary markets marketing and government agency and guidelines. Suggested alternative methods to obtain satisfactory documentation when necessary. Detected non-qualifying applicants early in the process and recommended innovative viable alternatives to qualify the loan.

Verified credit report, income, and assets. Ordered preliminary title reports, appraisals, escrow/fee instructions and all verifications necessary to complete the loan file. Solved problems and offered solutions to processors when verifications alter the quality of the loan. Prepared loans for processing sign off within specified numbered days.

Reviewed and evaluated all documents, including tax returns using judgment to ensure loan falls within guidelines per loan type

Determined allowable income to be used for loan calculations that comply with underwriting guidelines, including complex personal and business returns.

Worked with Team lead on file flow, and proactively assured timely completion of the file. Offered alternatives and solutions to meet time frames and guidelines.

Reviewed and validated the appraisal to ensure it complies with Agency and USPAP/FIRREA guidelines.

Communicated with customers, mortgage bankers and authorized employees to satisfy loan conditions as well as the status of the loan application.

Ensured all loans follow internal bank guidelines and external state and federal regulations such as VA, FHA, New Construction, Jumbo products, Fannie Mae, Freddie Mac, and Fair Lending.

Assisted with management in reviewing files prior to underwriting to ensure quality work of all files

Assisted with all peers across the floor in answering questions and coaching opportunities as well as to new hires

04/15 – 02/17: Loan Processor II- imortgage, a division of loanDepot, LLC – Scottsdale, AZ

Served as initial point of contact for the program

Acted as a liaison between borrower, underwriter, loan originator and lender

Provided customer with timely and periodic status updates of their loan application

Returned all inquiry calls within one business day

Collected required documentation from applicants and followed up on missing items

Established, maintained, and updated files, databases, records, and/or other documents for recurring internal reports

Ordered credit reports, title reports

Compiled documents for customer files and entered intakes to Data Management System for processing and assessment

Assured that all customer files were complete and in compliance with regulatory agencies and internal policies

Ensured customer privacy, security of files and appropriate staff access

Administrative Support

Prepared commitment letter(s), denial letter(s) and canceled files when necessary

Maintained pipeline report and notified management of status as needed

Processed the documents received for each file, verifying the accuracy and completeness of each document.

Prepared fund request documents for wiring funds to closing.

Made recommendations for procedural changes to increase efficiency.

Special projects as requested

Contact this candidate