KESA MCINTOSH

*** ** ***** ** ********* MT *****

404-***-****

adqs7v@r.postjobfree.com

To utilize my skills and abilities to obtain full time employment as a Mortgage Loan Processor and create a culture of being extraordinary together.

Professional Experience:

Mortgage Loan Processor

Glacier Bank, Kalispell MT

Sept 2019-Present

Thoroughly review the loan to verify the appropriate program, document and disclosures are included and accurate. Ensure URLA accuracy at submission for completeness and compliance. Accurately analyze credit, calculate income, evaluate and review of assets, liabilities and collateral per agency and investor guidelines. Responsible for the review of underwriting conditions and gathering up the documentation needed for clearing conditions for final Underwriting.

Prepare initial and CIC disclosures.

Possess strong working knowledge of lender/investor guidelines and requirements. Read and interpret DU and LP

Proficient knowledge of Conventional, FHA, VA, USDA, MI and construction loans. Address potential issues, if they arise, that could hinder the process as the file moves along and find a solution/remedy, if possible. Maintain an effective working relationship between Borrowers and MLO. Currently using Ellie Mae Encompass .

Mortgage Loan Processor

Southpoint Financial Services, Inc, Alpharetta GA

July 2013-Sept 2019

Set up the initial Broker file by compiling package and preparing initial disclosures. Requested all initial VOE’s, appraisal, transcripts and any credit supplements, letter of explanations. Submitted the file to initial underwriting and cleared the remainder of conditions and submitted for final underwriting and scheduled the closing accordingly. Worked in Calyx Point.

Compliance Assistant

MILEND, Inc Atlanta GA

July 2011-July 2013

Responsible for the QC of loan files to ensure compliance and regulatory requirements were properly followed. Maintained the NMLS with Lender and LO information as well as state and federal company information for yearly licensing. Liaison for mortgage related audits and remedy any resulting action items. Monitored all HMDA data, assisted in HUD and various State audits. Prepared all adverse actions notices Mortgage Loan Processor

Accredited Home Lenders-Atlanta GA

May 2000- Sept 2007

References Upon Request