Loan Processor Customer Service
Resume:
Exceptional in Microsoft Office Suite
Strong attention to detail, goal-oriented
Committed to excellent customer service
Excellent written and verbal communication abilities Strong ability to prioritize and manage multiple
responsibilities
Strong and effective ability to present information and respond to questions from groups of managers, clients, customers, and the general public.
SENIOR MORTGAGE LOAN PROCESSOR
FirstSource/Sourcepoint Mortgage / REMOTE / JUNE 2019 – DECEMBER 2021
• Over 10 years’ experience of working experience and knowledge of mortgage loan products (FNMA/FHA/VA/CONV/USDA) and of mortgage procedures, processes, and documentation.
• Ordered the following property and loan documentation as necessary: verification of employment, evidence of insurance, payoffs, tax transcripts, credit supplements, condo questionnaires, subordination requests, and title work to ensure a smooth loan process.
• Processed loans from time of receipt into funding process
• Completed pre-underwriting loan opportunities for completeness, accuracy and reasonable approval before sending to underwriting for final approval
• Submitted detailed loan packages to the lender underwriting department for approval or denial. Communicated with underwriters to clarify conditions and satisfy these by coordinating with the borrower.
• Collaborated with loan originators to collect, validating, analyzing, and organizing borrower and property information, including all required third- party reports
• Ordered and reviewed property level due diligence materials including third- party reports, such as appraisals, title commitments and environmental reports
• Worked closely with borrowers, brokers, appraisers, title agents, insurance agents and other applicable parties to complete processing files
• Resolved customer service issues
• Verified customer occupancy documentation and resolved routine title issues including vesting and various liens
• Executed closing actions to ensure a timely and effective closing process Energetic, client-focused, and dedicated Senior Mortgage Loan Processor with 10+ years of extensive experience in providing the best mortgage solutions to clients in a timely manner. Strong emphasis on case preparation, credit checks, and communication.
O B J E C T I V E
Mortgage Lending
10 / 10
Loans
9 / 10
Financial Accounting / Banking
9 / 10
Customer Service
10 / 10
Microsoft Office Suite
10 / 10
A B I L I T I E S
E X P E R I E N C E
S K I L L S
Houston, TX 77014
******@***.***
SENIOR MORTGAGE LOAN PROCESSOR
Sourcepoint Mortgage / REMOTE / JUNE 2019 – DECEMBER 2021 (cont’d)
• Worked closely with Visio processing, closing and quality control personnel to ensure compliance with all lending policies and procedures
• Reviewed all loan documentation for signs of fraud or other attempts to circumvent lending policies and procedures
• Completed all functions in accordance with program requirements, company standards, and related legal and regulatory requirements to include state and federal guidelines
• Worked with underwriting and closing department to ensure all lending conditions are satisfied prior to funding
• Coordinated with our closing department to ensure closing dates and company deadlines were met by following up on loan documentation in a timely manner.
• Provided suggestions for improvements in operating policies and procedures
• Reworked loans to new terms, identified additional conditions as needed to ensure a viable credit decision
• Assisted with any post-closing or condition issues
• Proficient with Visio, Loan Origination Software (LOS), Microsoft Word, Microsoft Excel, Microsoft Outlook, and Microsoft PowerPoint
SENIOR LOAN PROCESSOR
Cornerstone Mortgage/ Crestmark Mortgage Company LTD / MARCH 2007 – FEB 2018
• Worked closely with borrowers, brokers, appraisers, title agents, insurance agents and other applicable parties to complete processing files on daily basis
• Processed Conventional, FHA, and VA mortgage residential loans
• Set up files, printed, and mailed disclosures. Request and reviewed VOE, VOD, and/or VOR ‘s on manual submissions.
• Contacted customers to obtain all necessary credit documentation, reviewed all documentation received, and updated information accordingly in the system
• Requested, obtained, and reviewed the title commitment, HOA, certifications, flood certificates, surveys, insurance, and appraisal
• Resubmitted loans to the Underwriter for final review of conditions/ final approval and loan closing
• Updated reports with status of new loans and loans scheduled for closing for a weekly conference call with the builder. Also updated same reports for a 2x/weekly call with the Loan Officers
• Cleared deficiencies once loan was funded and audit was complete SENIOR LOAN PROCESSOR
Kingston Mortgage Company / Houston TX / SEPTEMBER 2006 – MARCH 2007
• Worked closely with borrowers, brokers, appraisers, title agents, insurance agents and other applicable parties to complete processing files
• Organized and maintained files, opened titles, ordered appraisals, completed surveys, verified insurance, VOE, VOD, and VOR’s when needed, and followed up with customers to ensure all necessary documentation was provided.
• Closed loans, balanced HUD-1 Settlement Statements and wired funds. Printed all closing documents and submitted to attorneys for approval. Released the documents to the closing agents for review and for customers to sign at closing.
E X P E R I E N C E
SKILLS
Well organized, have communication skills necessary to work effectively with the public and co-workers. I am able to work with little or no supervision. Experience with MortgageWare, Sagent, MacIntosh, PC, Word, Beazer Mortgage Company Sept. 2004- Sept. 2006
CTX Mortgage Co. Oct. 2000- Sept. 2004
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