SUMMARY

Finance professional background for ** years + with progressively responsible accountabilities in a Fortune 100 environment. Excellent critical thinking skills and a consistent record of anticipating problems and finding solutions, while exhibiting superior judgment and a balanced, realistic understanding of issues.

Education: Concorde Career College Dallas, TX Sept. 2014- April. 2016

Associates in Science, Medicine/Phlebotomist

Townview Magnet Center High School Dallas, TX 2001- 2005

High school Diploma, Law and Public Services

Awards: Academic Dean’s List 2014-2016, Most Outstanding Student April 2016

Top Processor of the Month April, May, June 2012

Professional Experience:

American Advisors Group

Sr. Loan Processor III October 2021 – Present

Process applications for FHA Reverse Mortgage products from the time of receipt of application to submission of the loan package to underwriting.

Gather, organize, and track loan documentation. Work with lenders, applicants, underwriters, appraisers, and others to complete processing.

Resolve customer service issues, verify customer occupancy documentation, and resolve routine title issues, including verify vesting issues and various liens on title documents.

Execute closing actions to ensure a timely and effective closing process. Perform other related duties as assigned.

Caliber Home Loans Coppell, TX.

Sr. Loan Closer March 2021 – Oct 2021

Reviewed loan figures to ensure loan meets specified terms and deadlines. Assembled and distributed an average of 80+ closing packages and funding documents and wiring per month. Prepares legal documents according to state and/or federal regulations. Ensured loans close in accordance with Underwriter’s approval and Caliber's policies and procedures.

Worked with title companies on loan scheduling, cd/hub balancing, document delivery, final sign-off of HUD-1.

Assisted in resolving issues at closing. Prepares collateral files to funding within required time-frame Reviews post-closing packages for accuracy and completeness. Cured deficiencies and posted wires.

Caliber Home Loans Coppell, TX.

Sr. Loan Processor March 2020- March 2021

Process mortgage applications across conventional refinance products with a pipeline of 40-80 loans. Develop and maintain a strong understanding of Mortgage Lending products, policies, processes and required documentation for Government-Sponsored Enterprise (GSE. and portfolio products).

Calculating all forms of income (e.g., wage earner, retirement, self-employed), reviewed real estate appraisals, calculating appropriate homeowner’s insurance coverage, calculating specific mortgage product program income and ratio requirements, analyzing bank statements to determine sufficient required assets.

Morgan Stanley Private Bank Coppell, TX.

AVP Relationship Manager Home Loan Dept. July 2017- March 2020

Joined startup department in Home Loans in July 2017. Gained Private Bankers books of business alongside managing Financial Advisor’client relationships to ultimately growing cash management.

Currently hold a carrer high of 180M+ in fundings in complex home loan transcations. My role is to serve as a client advocate towards a professional and managed mortgage experience with full responsibilty over the implementation of my operational system providing transcation management, collaboration, operational oversight and strategic direction for the clients’ provate mortgage team.

Acted as the escalation point for issues involving client experience and providing timely solutions. Managed and negotiated counter offers when needed. Coordinated with external teams to complete fulfillment and ensure timely closings and funding. Multi-tasked while balancing a pipeline and client escalations. Knowledgeable of important risk and compliance regulations.

Pacific Union Financial Farmers Branch, TX.

Senior Mortgage Loan Processor July 2016-Jan 2017

Processed mortgage applications across conventional, affordable housing and government purchase and refinance products with a pipeline of 40-60 loans.

Develop and maintained a strong understanding of Mortgage Lending products, policies, processes and required documentation for Government-Sponsored Enterprise (GSE), Federal Housing Administration (FHA), Veterans Affairs (VA), United States Department of Agriculture (USDA), and portfolio products.

Calculated all forms of income (e.g., wage earner, retirement, self-employed), reviewed real estate appraisals, calculating appropriate homeowner’s insurance coverage, calculating specific mortgage product program income and ratio requirements, analyzing bank statements to determine sufficient required assets.

Nationstar Mortgage Irving, TX.

Sr. Loan Processor July 2015- July 2016

Process mortgage applications across conventional, affordable housing and governmental purchase and refinance products with a pipeline of 40-60 loans.

Develop and maintain a strong understanding of Mortgage Lending products, policies, processes and required documentation for Government-Sponsored Enterprise (GSE), Federal Housing Administration (FHA), Veterans Affairs (VA), United States Department of Agriculture (USDA), and portfolio products.

Calculating all forms of income (e.g., wage earner, retirement, self-employed), reviewed real estate appraisals, calculating appropriate homeowner’s insurance coverage, calculating specific mortgage product program income and ratio requirements, analyzing bank statements to determine sufficient required assets.

NTFN Plano, TX.

Post-Closing Quality Control Auditor June 2014- July 2015

Audited funded FHA, VA, USDA, and conventional loans that were sent to Fannie and Freddie and other investors. Daily operations consist of auditing completed loan files in the Encompass system, reviewing the underwriting decision, recalculating the income and the DTI. Comparing the DU, LP and AUS findings to the QM findings.

Reviewed guidelines daily and attended training from FHA, VA and USDA to stay current with any changes with the current guidelines.

Reviewed Respa documents and disclosures to ensure the documents were executed properly, prepared and sent out correctly and in a timely matter according to the Respa and HMDA regulations.

Genpact Richardson, TX.

Frontline Mortgage Trainer Jan 2013- Feb. 2014

Developed and presented training material to the processing floor, offshore team (India) and all new hires to the company. Lead and manage the design, delivery and evaluation of the training programs from assessment with senior management through to completion and evaluation. Recommended, prioritize, develop, schedule, deliver and evaluate training solutions that provide measurable increases in performance. Determined the appropriate instructional deployment methodologies for training such as webinar, e-learning, classroom facilitation, lecture/demonstration/hands-on applications, simulations, or a combination of methodologies.

Provided reports to management on training solutions and outcomes including. Built and manage solid working relationships with management teams; understood key goals, business metrics and procedures. Applied Adult Learning Methodologies in the development and delivery of curriculum and performance improvement initiatives. Effectively managed the classroom learning environment and adapted facilitation skills to meet needs of all learning styles.

Frontline Sr. Loan Processor March 2012-Jan2013

Process mortgage applications across conventional, affordable housing and government purchase and refinance products with a pipeline of 25-35 loan

Develop and maintain a strong understanding of Mortgage Lending products, policies, processes and required documentation for Government-Sponsored Enterprise (GSE), Federal Housing Administration (FHA), Veterans Affairs (VA), United States Department of Agriculture (USDA), and portfolio products.

Calculate all forms of income (e.g., wage earner, retirement, self-employed), reviewed real estate appraisals, calculating appropriate homeowner’s insurance coverage, calculating specific mortgage product program income and ratio requirements, analyzing bank statements to determine sufficient required assets.

ADDITONAL WORK HISTORY UPON REQUEST

QA / QC Auditor 2009-2012

Mortgage Customer Services Manager 2008-2009

Bank Teller 2006-2008

January 11, 2017

I have had the pleasure of working with Katherine Brooks during her time at Pacific Union. As a Senior Mortgage Loan Processor, she consistently exceeded her monthly funding goals and demonstrated a keen ability to properly manage a pipeline. I would recommend her without hesitation to anyone looking for a strong processing addition to their team.

Sincerely,

Jennifer Neitzel

Jennifer Neitzel

Senior Sales Coordinator

PROFESSIONAL COMPETENCIES

Process Improvement Problem Resolution Customer Service & Retention

Analytics & Reporting Leadership Relationship Building

Staff Training Project Management Vendor Management

Business Planning Conv Mortgage Underwriting

Microsoft Office Tools

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