Loan Processor
Resume:
Robyn Cavender
Franklin, TN *****
************@*****.***
Experienced Mortgage Loan Assistant/Processor and Social Media Marketer with over 13 years of experience in Finance and Marketing. Excellent reputation for resolving problems, improving customer satisfaction, and driving overall operational improvements. Authorized to work in the US for any employer
Work Experience
Mortgage Loan Processor
Mortgage Investors Group - Brentwood, TN
November 2020 to Present
Ordered appraisals, verifications of employment, tax transcripts, title work, and social security/identity verification.
Updated all parties on a regular basis regarding the status of the loan. Worked with applicants to obtain missing details and verify the information. Monitored the full life cycle of loan from initial application to final funding. Maintained friendly and professional customer interactions. Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, and Community Reinvestment Act.
Originated, reviewed, processed, closed and administered customer loan proposals. Scheduled closings of loans with title companies.
Event Programmer
NON PROFIT ORGANIZATIONS - Nashville, TN
March 2000 to Present
I do volunteer work for several non-profit organizations where I help set up programs, create and market events, assist with security, maintain social media presence, and maintain relationships with vendors and venues.
Mortgage Loan Processor
Castle & Cooke Mortgage - Nashville, TN
July 2020 to November 2020
Ordered appraisals, verifications of employment, tax transcripts, title work, and social security/identity verification.
Updated all parties on a regular basis regarding the status of the loan. Worked with applicants to obtain missing details and verify the information. Monitored the full life cycle of loan from initial application to final funding. Maintained friendly and professional customer interactions. Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, and Community Reinvestment Act.
Compiled database of loan applicants' credit histories, corporate financial statements, and other financial information.
Originated, reviewed, processed, closed and administered customer loan proposals. Mortgage Loan Processor
OneTrust Home Loans - Nashville, TN
January 2020 to May 2020
Ordered appraisals, verifications of employment, tax transcripts, title work, and social security/identity verification.
Updated all parties on a regular basis regarding the status of the loan. Worked with applicants to obtain missing details and verify the information. Monitored the full life cycle of loan from initial application to final funding. Maintained friendly and professional customer interactions. Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, and Community Reinvestment Act.
Assisted senior-level credit officers with complex loan applications. Originated, reviewed, processed, closed and administered customer loan proposals. Loan Officer Assistant/Processor
REPUBLIC BANK & TRUST - Brentwood, TN
April 2018 to September 2019
Created new standard procedure for new system and new hires to follow and trained them. Created and maintained social media profiles for my team Ordered appraisals, verifications of employment, tax transcripts, title work, and social security/identity verification.
Updated all parties on a regular basis regarding the status of the loan. Worked with applicants to obtain missing details and verify the information. Monitored the full life cycle of loan from initial application to final funding. Maintained friendly and professional customer interactions. Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, and Community Reinvestment Act.
Compiled database of loan applicants' credit histories, corporate financial statements, and other financial information.
Originated, reviewed, processed, closed and administered customer loan proposals. Collaborated with the compliance department to eliminate procedural errors and margin breaks. Flood Disputes Specialist
SunTrust Bank - Nashville, TN
September 2016 to March 2017
Contract job with a staffing agency - no hire on option per contract Started and finished the dispute process for clients who were notified they were in a flood zone by the bank.
Researched documents sent in and reviewed overlay maps to determine if a dispute was valid. Worked with clients to gather documents and understand the flood insurance process. Sent out letters to notify the client of the results. Created and maintained a spread sheet to track flood insurance and flood zone disputes for current and future use.
Loan Assistant
Franklin Synergy Bank - Franklin, TN
November 2015 to September 2016
Short Term Contract Job
Ordered appraisals, verifications of employment, tax transcripts, title work, and social security/identity verification.
Worked mainly at the office and occasionally at home or on the road with the loan officers. Updated all parties on a regular basis regarding the status of the loan. Worked with applicants to obtain missing details and verify the information. Monitored the full life cycle of loan from initial application to final funding. Maintained friendly and professional customer interactions. Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, and Community Reinvestment Act.
Developed and maintained relationships with local real estate agents. Assisted senior-level credit officers with complex loan applications. Compiled database of loan applicants' credit histories, corporate financial statements, and other financial information.
Originated, reviewed, processed, closed and administered customer loan proposals. Collaborated with the compliance department to eliminate procedural errors and margin breaks. Licensed Lending Officer
loanDepot.com LLC - Franklin, TN
March 2015 to October 2015
Ordered appraisals, verifications of employment, tax transcripts, title work, and social security/identity verification.
Worked mainly at the office and occasionally at home or on the road with the loan officers. Updated all parties on a regular basis regarding the status of the loan. Worked with applicants to obtain missing details and verify the information. Monitored the full life cycle of loan from initial application to final funding. Maintained friendly and professional customer interactions. Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, and Community Reinvestment Act.
Developed and maintained relationships with local real estate agents. Assisted senior-level credit officers with complex loan applications. Compiled database of loan applicants' credit histories, corporate financial statements, and other financial information.
Originated, reviewed, processed, closed and administered customer loan proposals. Collaborated with the compliance department to eliminate procedural errors and margin breaks. Sales Associate/Counter Manager
Dillard's Cool Springs - Franklin, TN
April 2014 to March 2015
Manager
Managed one of the cosmetics counters.
Ordered products, created displays and planned and hosted events. Helped clients find their beauty regimen and taught how to apply make-up and achieve different looks. Attended classes and taught classes as well.
Trained new people in the department and worked with our regional distributors and representative to launch new products and market them to the clients. I still volunteer to work there planning events and hosting them as needed. Loan Officer
Greentree Mortgage/ditech
August 2013 to March 2014
Ordered appraisals, verifications of employment, tax transcripts, title work, and social security/identity verification.
Worked mainly at the office and occasionally at home or on the road with the loan officers. Updated all parties on a regular basis regarding the status of the loan. Worked with applicants to obtain missing details and verify the information. Monitored the full life cycle of loan from initial application to final funding. Maintained friendly and professional customer interactions. Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, and Community Reinvestment Act.
Developed and maintained relationships with local real estate agents. Assisted senior-level credit officers with complex loan applications. Compiled database of loan applicants' credit histories, corporate financial statements, and other financial information.
Originated, reviewed, processed, closed and administered customer loan proposals. Collaborated with the compliance department to eliminate procedural errors and margin breaks. Mortgage Consultant
American Equity Mortgage, Inc
April 2012 to June 2013
Ordered appraisals, verification of employment, tax transcripts, title work, and social security/identity verification.
Worked mainly at the office and occasionally at home or on the road with the loan officers. Maintained compliance with Fair Lending Practices, Home Mortgage Disclosure Act guidelines, Truth in Lending Act requirements and bank policies.
Ordered information such as credit reports, environmental assessments, and property appraisals. Managed transfer of files for underwriter approval, mortgage loan handling and the closing process. Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files, and tax histories.
Loan Officer
Mortgage Investors Corporation - Nashville, TN
July 2011 to February 2012
Driving to Veteran and Active duty personal's homes and presenting them with a loan created by the VA. Filling out an entire loan application packet (44 pages) by hand and walking the client through the entire loan and the process up to closing.
Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, and Community Reinvestment Act.
Originated, reviewed, processed, closed and administered customer loan proposals. Submitted loan applications to the underwriter for verification and recommendations. Mortgage Loan Originator
Reliance First Capital - Franklin, TN
June 2010 to September 2011
Ordered appraisals, verification of employment, tax transcripts, title work, and social security/identity verification.
Worked mainly at the office and occasionally at home or on the road with the loan officers. Maintained compliance with Fair Lending Practices, Home Mortgage Disclosure Act guidelines, Truth in Lending Act requirements and bank policies.
Ordered information such as credit reports, environmental assessments, and property appraisals. Managed transfer of files for underwriter approval, mortgage loan handling and the closing process. Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files, and tax histories.
Financial Advisor Intern
Wells Fargo - Franklin, TN
February 2008 to June 2010
Trained as a Financial Advisor while performing marketing, branch management, event planning, client outreach, and administrative duties.
Education
High School Diploma
Centennial High School - Franklin, TN
August 2000 to May 2004
Skills
• Professional Skills Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot CLOSING Advanced Act, Privacy Act, and Community Reinvestment Act. CUSTOMER SERVICE ORIENTED Expert Developed and maintained relationships with local real estate agents. CUSTOMER SERVICE Expert Assisted senior-level credit officers with complex loan CREDIT Expert applications. Compiled database of loan applicants' credit histories, MORTGAGE Expert corporate financial statements, and other financial Microsoft office Expert information. Processor Advanced Originated, reviewed, processed, closed and administered customer loan proposals. (10+ years)
• Microsoft Office (10+ years)
• Loan Origination (10+ years)
• Encompass (10+ years)
• Event Marketing (10+ years)
• Event Planning (10+ years)
• Events Management (10+ years)
• Social Media Management (10+ years)
• Organizational Skills (10+ years)
• Excel (10+ years)
• Word (10+ years)
• Marketing (10+ years)
• Mortgage Servicing (10+ years)
• Facebook Advertising (10+ years)
• Facebook Ads
• Twitter Ads
• Google Docs (10+ years)
• Google Ads
• Credit Analysis
• Fair Housing Regulations
• Loan Officer Experience
Links
http://linkedin.com/in/robyn-cavender
Awards
One Touch Closings
Monthly award received for sending files to processing/underwriting that needed to be reviewed only once before being sent on to closing
Less Than 20 Day Closings
Award received monthly for closing a loan in 20 days or less. Certifications and Licenses
NMLS
June 2010 to Present
321568
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