Loan Processor Mortgage

COLLEEN HARFORD

**********@*****.*** / 949-***-**** / Eugene, OR 97401

Summary

Senior Loan Processor with over thirty years’ results-driven experience working with retail offices, wholesale mortgage companies, and direct lenders. Self-starter with excellent organizational skills who thrives in dynamic environments. Excels at time management and handling multiple projects with strong attention to detail and problem-solving skills. Superb verbal, interpersonal, and written communication skills. Goal oriented with a keen understanding of the production-based needs of mortgage operations. Consistently in the top 10% of processing production. Driven to succeed.

Skills

Senior Loan Processing

Drawing Final Loan Documents

TRID Proficient

Conventional, Non-QM, and FHA Experience. Refinance and Purchase Transactions. Closed-End 2nd Mortgages

LOS Proficient in Encompass and Calyx Point. Experienced with Empower

DU and LP Automated Underwriting Systems as well as Jr. Underwriting

Job duties include review of initial loan application for accuracy and completeness, pre-underwriting, collection of conditions for submission to underwriting as well as fulfilling approval conditions for final approval, drawing final documents and scheduling closing appointments, and filling any prior to funding conditions. Assist post-closing with any investor requirements. Primary contact for customer from the moment the loan is transferred to Processing and the liaison both in-house between Origination, Underwriting, and Funding as well as outside Title Vendors, Appraisal Management Companies, and Signing Services. Paperless processing.

Recent Employment History

Senior Loan Processor, Interactive Mortgage, Irvine CA. Direct Lender.

9/2021 – 12/2021. Fundings consistently in excess of 40 loans per month with a turn time averaging under 25 days. Primarily conventional refinance transactions. Utilized Encompass, responsible for drawing final loan documents and mastered new hybrid closing system using SnapDocs for an e-signed portion of docs.

Senior Loan Processor, Interactive Mortgage, Irvine CA. Direct Lender.

8/2019 – 2/2021. Fundings consistently in excess of 50 loans per month with a record- breaking month of 73 units. Turn times averaged under 25 days. Primarily conventional refinance transactions with the occasional purchase. Handled VIP loans. Utilized Encompass and responsible for drawing final loan documents.

Wholesale Account Manager, Sprout Mortgage, Irvine, CA. Wholesale for Brokers and Correspondent Lenders.

6/2018 – 8/2019. Managed Broker and Correspondent accounts for 4 Account Executives, including a top producer in the company. One year of Non-QM experience.

Senior Loan Processor, Interactive Mortgage, Irvine, CA. Direct Lender.

3/2016 – 7/2017. Fundings consistently in excess of 40 loans per month with turn times averaging under 25 days. Conventional, FHA, purchase and refinance transactions. Utilized Encompass and responsible for drawing final loan documents.

Leave of Absence 8/2017 – 6/2018

Senior Loan Processor, Greenlight Financial (later Nationstar Mortgage and Mr Cooper), Irvine CA. Direct Lender.

5/2011 – 3/2016. Fundings consistently in excess of 50 loans per month with average turn times under 30 days. Conventional, FHA, purchase, and refinance transactions. Utilized Encompass and responsible for drawing final documents through DocMagic and Encompass.

Self-Employed Contract Loan Processor, Crestline, CA

3/2008 – 12/2010. Accepted and processed new applications from numerous brokers. Submitted these loans to a number of sub-prime lenders via on-line platforms as well as paper files. Utilized Encompass and Calyx Point.

Education

San Diego State University. General Studies. 1982-1984

Huntington Beach High School. Graduated with honors. 1978-1981.

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