Loan Processor Customer Service

KAHNN MORROW

Professional Summary

Experienced Loan Processor with over 20 years of experience (Conventional, FHA, VA and Jumbo loans) in Mortgage Industry. Excellent reputation for resolving problems and improving customer satisfaction. Currently transitioning to Information Technology field. Skills

Microsoft Server Operating System

Linux Operating System

Microsoft Endpoint (SCCM)

Attentive to Detail

Encompass

Empower

Customer Service Oriented

Excellent Communication

Credit Analysis

Customer satisfaction

VMWARE

Help desk

Adobe

VPN

Virtual

MacOS

Work History

Senior Mortgage Loan Processor/Jr. Underwriter

Sutherland/Goldman Sachs

04/2014 to Current

Pre-Underwrite all of the borrower's needed information including tax returns, bank statements, income verification, appraisals, credit report for accuracy and completeness, evaluating credit reports to determine the creditworthiness of an applicant, and resolving issues with the application process.

Verify all this documentation to be true and correct as well as accurate. Review the borrower's past credit history, current credit rating, household income, and the down payment will be evaluated.

Determine and verify the borrower's debt to income ratio (DTI). Inform the borrower of conditions for certain items that may needed to complete the loan Verifies, compiles, and enters application information for residential mortgage loans and home equity lines of credit according to Bank, investor and government agency guidelines. Submits mortgage loan file for underwriting decision, assists in preparing closing packages and serves as backup underwriter, when necessary.

Richmond, TX 77406 281-***-**** ******@*****.*** Reviews loan application file to verify application data is complete and meets Bank standards, including type, amount of loan, assets, liabilities and length of employment. Verifies application information and makes corrections in LOS, as necessary. Maintains knowledge of available loan products, processing procedures, underwriting and general departmental guidelines.

Assists in gathering all information necessary for underwriter to make loan decision. Consults and corresponds with loan officers, applicants and/or creditors to resolve issues regarding the mortgage application process.

Thoroughly examines title reports and loan documentation to ensure accuracy and completeness.

Verifies closing conditions are satisfied per Bank or secondary market requirements. Maintains high levels of customer service while managing each applicant's expectations. Attends and participates in all lending meetings as required by management.

• Active monthly pipeline size 30-40 loans for all states except licensed states. Large concentration in FL, NY(CO-OP) and TX.

IT Analyst 03/2021 to Present

BCS Enterprise IT

• Perform user management via Active Directory

• Perform monthly patching and software installation using Microsoft Endpoint Configuration Manager.

• Managed mobile devices and Windows clients using Microsoft Intune.

• Installation and configuration of virtual machines in Microsoft Hyper-V and Azure. Senior Mortgage Loan Processor

M/I Homes

04/2013 to 04/2014

Verifies, compiles, and enters application information for residential mortgage loans and home equity lines of credit according to Bank, investor and government agency guidelines. Submits mortgage loan file for underwriting decision, assists in preparing closing packages and serves as backup underwriter, when necessary.

Reviews loan application file to verify application data is complete and meets Bank standards, including type, amount of loan, assets, liabilities and length of employment. Verifies application information and makes corrections in LOS, as necessary. Maintains knowledge of available loan products, processing procedures,. Underwriting and general departmental guidelines.

Assists in gathering all information necessary for underwriter to make loan decision. Consults and corresponds with loan officers, applicants and/or creditors to resolve issues regarding the mortgage application process.

Performs administrative tasks such as verifying applicant's income, employment, assets, and liabilities.

Thoroughly examines title reports and loan documentation to ensure accuracy and completeness.

Verifies closing conditions are satisfied per Bank or secondary market requirements. Maintains high levels of customer service while managing each applicant's expectations. Attends and participates in all lending meetings as required by management. Assists in preparing and/or obtaining all appropriate loan documentation (e.g., notes, mortgages, HUDs) required to close mortgage loans. Corresponds with title companies to schedule closings. Assembles documents in loan file and delivers file to Bank mortgage servicing department or investor.

Prepares and sends loan file for document imaging. Sr. Loan Processor (Team Lead)

Royal Bank of Canada

04/2012 to 04/2013

Work as a liaison between the loan officer, borrower to prepare the loan to be reviewed by underwriter.

Pre-Underwrite all the borrower's needed information including tax. Returns, bank statements, income verification, appraisals, credit report, etc. Verify all this documentation to be true and correct as well as accurate. Review the borrower's past credit history, current credit rating, household income, and the down payment will be evaluated.

Determine and verify the borrower's debt to income ratio (DTI). Inform the borrower of conditions for certain items that may needed to complete the loan Reporting Compile monthly loan closing projections Manage daily status of active loans. Mortgage Sales Coordinator

Sterling Bank

Product and Pricing Guidelines Answered calls and emails from clients on. 03/2010 to 12/2011

Scenarios dealing with specific guidelines Advised clients of different options available to structure loans Pricing Received interest rate lock requests from clients and locked loans with appropriate investor.

Revised locks in case of loan amount changes or interest rate changes Credit Analysis and File Review Credit Analysis Reviewed credit reports for credit depth, i.e. Made sure accounts were the borrowers account and not authorized user accounts Reviewed payment history, i.e.

Looked for any 30+ days late payments, ensured at least 12 months reporting on accounts etc. Looked over credit inquiries to ensure no additional debt had been acquired that may not be reporting on the credit report.

Ensured at least 3 active trade lines reporting over 12 months were reporting for qualification. File Review Reviewed files at time of submission for completeness; ensured all applicable disclosures, income documentation, asset documentation and property documentation were included in file.

Reviewed specific forms for completeness, i.e.

Application (1003) to be completed in its entirety, HUD/VA addendum to have correct lender/ sponsor information as well as correct loan information,. Contract to be executed properly, etc.

Cleared underwriting conditions for files in conditional approval. Reviewed all documentation needed for closing was included in the file; all title work including commitment, tax certificates, chain of title, fee sheet, insurance, etc. Performed quality control checks on all files prior to closing by re-verifying all third-party documentation, i.e.

Paycheck stubs, verifications of employment, banks statements, verifications of deposit, etc. Closer/Funder Closing SunTrust Mortgage

Verified loan application for subsequent review and authorization by legal staff. Performed review of title commitments, appraisal reports, surveys, flood certificates, final loan application to ensure all documents met regulatory requirements. Authorized loan documents and conditions; consulted with staff to insure. Documentation met quality standards prior to submission to underwriting. Directed staff in pre-closing procedures and monitored progress. Insured flood and homeowner's insurance followed loan conditions. Coordinated the closing with escrow officer, realtors, and borrowers. Prepared loan closing documents to be forwarded to the escrow officer. Funding Audited the funding conditions prior to requesting wire for funding. Balanced the HUD-1 Settlement Statement and forwarded wire to title company. Insuring Specialist

Stewart Lending

01/2009 to 03/2009

Reporting and Compliance Analyzed production reports to determine discrepancies, systematic issues.

Sought feedback from client as to performance and how best the company could serve them.

Reviewed feedback and recommended changes to increase customer satisfaction. Audited closing packages for compliance with federal guidelines as final FHA closing packages are later submitted to various HUD offices for government. Insuring.

Closer/Funder Closing BrokerSource Financial

Verified loan application for subsequent review and authorization by legal staff. Performed review of title commitments, appraisal reports, surveys, flood certificates, final loan application to ensure all documents met regulatory requirements. Authorized loan documents and conditions; consulted with staff to insure. Documentation met quality standards prior to submission to underwriting. Directed staff in pre-closing procedures and monitored progress. Insured flood and homeowner's insurance followed loan conditions. Coordinated the closing with escrow officer, realtors, and borrowers. Prepared loan closing documents to be forwarded to the escrow officer. Funding Audited the funding conditions prior to requesting wire for funding. Balanced the HUD-1 Settlement Statement and forwarded wire to title company. Education

BBA: Finance

Prairie View A&M University

Contact this candidate