Loan Processor Document Specialist
Resume:
Rose Marie Kelly
Email: *****@*****.***
Profile:
Extremely motivated professional individual with over 25 years’ experience in the mortgage arena. Experienced in multitasking in many facets of this industry ranging from processing, closing, team leader, and underwriting amongst other positions. Able and welcome working in a stressful environment.
Qualifications:
Bilingual-Spanish
Excellent Customer Service
Decision maker/problem solver
Team Player/Team Leader
Loyal /dedicated/dependable
Excellent verbal and written communication
Champion change and challenges
People person
Self starter
Professional Experience:
AmeriFirst Home Mortgage- Winter Park, FL May 2020-November 2021 Senior Loan Processor
Responsibilities included: Served as a primary point of contact to borrowers, loan officers and lender services throughout the process from time of application to closing. Reviewed pipeline reports with loan officers and pro-actively followed up with borrowers on any outstanding conditions while at all times maintaining an excellent rapport with management, underwriters, and closers if at any time they needed any applicable updates to assure a successful and rapid final approval to target and meet the applicable closing dates or deadlines. Complied and adhered to all company policies, government regulations.
Listed.com- Lake Mary, FL-April 2018-November 2018
Transaction Coordinator
While working at RP Funding I was promoted to the realtor side of Listed. Both companies are owned by Robert Palmer. As a transaction coordinator I was responsible for overseeing all areas of buyer/seller transactions from executing contracts to closings such as verifying all necessary signatures are fully executed on listing agreements, disclosures, etc. Ordered preliminary listing services. Responsible for coordinating home inspections, appraisals, moving schedules when applicable to accommodate closings. Worked closely with RP Funding Mortgsge loan officers, realtors, processors, title companies to ensure smooth transactions resulting in great customer service to all parties involved.
RP Funding- Maitland, Fl- December 2017-April 2018 Retail Senior Loan Processor
Multi-tasked and worked directly with the AVP of Operations, Sales/Branch Manager, and LO’s. Processed Conventional, FHA, and VA loans- refinances and purchases. Knowledgeable in the evaluation of reviewing mortgage applications which entailed reviewing income, assets, appraisals, title, LE, and CD’s. Assured that the application was complete and complied with the applicable guidelines and regulations in regards to TRID, HMDA, etc.. Other job functions included, but not limited to the collection, and review of conditions, and pre-underwrote files for initial to final approval for a clear-to- close. Great communications with internal and external customers. Daily pipeline review with Sales/Branch Manager and Operations Manager.
Envoy Mortgage, LLC Maitland, Fl July 2015- July 2017 Senior Loan Processor
Responsibilities include: Processing, and pre-underwriting of various programs, Conventional, Jumbo, FHA, VA, USDA, and various other investor products. Functions included but not limited to: review of 1003, AUS or LP, income-WVOEs, VOEs, Personal Returns, Transcripts, assets, appraisal, title, flood, etc. Vendor ordering of all documents based on applicable loan program. Daily communication with internal and external customers- Borrowers, Title Companies, Attorneys, Loan Officers. Self-standing operation as I worked side by side with the AVP/Sales Manager, and also assistant him various other functions of the Branch Operations
LoanDepot.com LLC d/b/a Mortgage Master, Maitland, Fl- October 2014- July 2015 Loan Analyst
Responsibilities include: Processing, and pre-underwriting Conventional Conforming Loan Amounts as well as, FHA, 203K Rehab Loans, and various investor products. Functions included when applicable, but not limited to: review of AUS focusing on identifying errors to determine if additional conditions would need to be requested prior to underwriting submission for conditional approval. This encompassed review on 1003, credit reports, income, assets, VVOE/WVOE, appraisal, Personal, and Business Returns, sales contract, home owner insurance policies for any errors-omissions, misrepresentations, inaccuracies, and red flags. For loans that required manual underwriting (calculated income-base, overtime, rental income, schedule E, DTI, LTV, and CLTV). Reviewed customer profile for any “red flags”, and prepared for submission for final underwriting approval.
Digital Risk, Maitland, Fl December 2013- October 2014 Home Service Specialist/Jr Underwriter
Responsibilities included: Processing, and Underwriting Conventional Conforming Loan Amounts. Functions included when applicable, but not limited to: review of AUS, focusing on identifying errors to determine if additional conditions would need to be requested prior to underwriting submission for conditional approval. This encompassed review on 1003, credit reports, income, assets, VVOE/WVOE, appraisal, sales contract, home owner insurance policy for any errors-omissions, misrepresentations, inaccuracies, and red flags. For loans that required manual underwrite (calculated income-base, overtime, rental income, schedule E, DTI, LTV, and CLTV). Reviewed customer required stipulation for any “red flags”, and prepared for submission for final underwriting approval.
Wells Fargo Home Loan Mortgage, Winter Park, FL October 2012-December 2013 Loan Document Specialist 4- Home Loan Processor
Experienced in processing the following: Conforming/Non-Non-Conforming loans, New Construction, and Construction –to- perm loans. Functions include it, but not limited to, review of a US, focusing on identifying errors to determine if additional conditions would need to be requested prior to underwriting submission for conditional approval. This encompassed review on 1003, credit reports, income, assets, VVOE/WVOE, appraisal, sales contract, Title, home–owner’s insurance policy for any errors-omissions, misrepresentations, inaccuracies, and red flags. For loans that required manual underwrite (calculated income-base, overtime, rental income, schedule E, DTI, LTV, and CLTV). Reviewed customer required stipulation for any “red flags”, and prepared for submission for final underwriting approval. Demonstrated excellent Customer Service Skills and experience. Excellent verbal and written communication skills. Perform multi-tasked with limited supervision. Excellent time management and organizational skills to meet company’s objectives, and goals.
Wells Fargo Home Mortgage, Lake Mary, FL July 2012-October 2012 Mortgage Loan Document Specialist
Credit Loan Document Auditor/Analyst. Conduct reviews by auditing, and supplying supporting documentation to Promontory.Make recommendations as to whether or not the customer experienced
“financial” harm due to foreclosure activities. Functions include, but are not limited to: creating a file based on the information provided by the Borrower on the claim intake form on Conventional a/o Government loans. Research the case, and review for financial harm as indicated by the Borrower. Identify documentation needed to support the file (income/asset information) for the case, and submit all gathered information via GEM to Promontory.
Metlife Home Loans, Maitland, FL June 2008- October 2010 ( Mortgage Division closed) Operations Manager
Responsibilities included, but not limited to managing the Core Operation Center for the Processing, and Closing arena of one of the largest Wholesale National Builder Divisions for 7 states nation-wide. Ensured the efficient day-to-day running of all the business operations. Responsible for the training, and supervision of up to eight employees. Functions also included, but not limited to : review of AUS, focusing on identifying errors to determine if additional conditions would need to be requested prior to underwriting submission for conditional approval. This encompassed review on 1003, credit reports, income, assets, VVOE/WVOE, appraisal, sales contract, home owner insurance policy for any errors- omissions, misrepresentations, inaccuracies, and red flags. For loans that required manual underwrite
(calculated income-base, overtime, rental income, schedule E, DTI, LTV, and CLTV). Reviewed customer required stipulation for any “red flags”, and prepared for submission for final underwriting approval. Accountable for tracking of Aged Pipeline Reports, clearing of Exception Reports, Respa Audits, Conv,/FHA/VA audit checklists and Monthly Production Reports.Other Managerial duties included: interviewing/hiring of employees, employee reviews, vacations, and Payroll allocation. Exposure to TMO, CMS, CITRIX, WORKFLOW, and BRIO.
Countrywide KB Home Loans, Maitland, FL August 2007 - March 2008 Operations Manager (Mortgage Division closed)
Responsibilities included, but not limited to direct reporting to the Unit Manger, Branch Sales Manager and KB- the Builder on a day to- day basis. When needed reviewed / audited AUS, focusing on identifying errors to determine if additional conditions would need to be requested prior to underwriting submission for conditional approval. This encompassed review on 1003, credit reports, income, assets, VVOE/WVOE, appraisal, sales contract, home owner insurance policy for any errors- omissions, misrepresentations, inaccuracies, and red flags. For loans that required manual underwrite
(calculated income-base, overtime, rental income, schedule E, DTI, LTV, and CLTV). Reviewed customer required stipulation for any “red flags”, and prepared for submission for final underwriting approval. Accountabilities included: ascertaining that everyone on my Team is meeting and exceeding the day-to- day goals Managed 8 people-ranging from Loan Specialist to Loan Closers, and covered for other Operation Managers Teams when requested.
HomeBanc Mortgage Corporation, Orlando, FL June 2005- August 2007 Team Underwriter (Promoted)
Responsibilities included, but not limited to: Underwriting of Conventional (Conforming and Non - Conforming Loan Amounts to $650K) on Purchases, Refinances, 1st and 2nds. Doc Types include Full and Reduce documentations. Experienced in analyzing Income Docs, Credit, Title, Appraisals, and making accurate decisions on approvals on Mortgage Loan Applications. Functions included, but not limited to: review of AUS, focusing on identifying errors to determine if additional conditions would needed to render an underwriting decision. This entailed thorough review on 1003, credit reports, income, assets, VVOE/ WVOE, appraisal, sales contract, home owner insurance policy for any errors-omissions, misrepresentations, inaccuracies, and red flags. For loans that required manual underwrite calculated income-base, overtime, rental income, schedule E, Tax Returns, DTI, LTV, and CLTV). Reviewed customer required conditions for any “red flags”, and satisfied conditions according to company guidelines. Examined loan documentation to ensure accuracy, completeness, and compliance with company standards.
HomeBanc Mortgage Corporation, Orlando, FL March 2003- May 2005 Production Support/Team Leader (Promoted)
Responsibilities included: Processing, Closing, and Underwriting Conventional Conforming Loan Amounts. Functions included when applicable, but not limited to: review of AUS, focusing on identifying errors to determine if additional conditions would need to be requested prior to underwriting submission for conditional approval. This encompassed review of 1003, credit reports,, income, assets, VVOE/WVOE, appraisal, sales contract, home owner insurance policy for any errors- omissions,misrepresentations, inaccuracies, and red flags. For loans that required manual underwrite
(calculated income-base, overtime, rental income, schedule E, DTI, LTV, and CLTV). Reviewed customer required stipulation for any “red flags”, and prepared for submission for final underwriting approval. Filled in as a “floater” for other Co-workers in Operations when they were absent. Constant interaction with Loan Originators, Title Companies, and various Vendors. Assisted the Operations Manager with the Branch’s Pipeline Report for expedited processing and closing of loans. Filled in for other Co-workers in Operations when they were absent. Constant interaction with Loan Originators, Title Companies, and various Vendors
HomeBanc Mortgage Corporation, Maitland, FL November 2001- March 2003 Branch Closer (Promoted)
Responsibilities included: Auditing, Reconciling, and balancing of the Loans, Reviewed Escrows, TILs, and HUD Settlement Statements. Worked hand-in-hand with Title Companies, Operations, and Loan Originators.
HomeBanc Mortgage Corporation, Maitland, FL March 1998- November 2001 Loan Processor
Responsibilities included: Collecting/Processing of Employment-ordering WVOE/VVOE, Tax Returns, Asset, Liability, Credit and Appraisal Data on Conventional, FHA, and VA loans. Worked together with Borrowers, Loan Originators, Attorney/Title Companies, and various Vendors. Education:
Pace University:
Major: Business Administration and Management
Licenses: State of Florida NMLS # 1146109
Notary: State of Florida
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