Loan Processor Customer Service

TERRI D. ADAMS

**** ******* ***** ****. ********, TX. 7758 C: 281-***-**** *****.******@*****.*** Summary

Multi-talented loan processing professional versed in customer service and bank standards. Excellent communicator and decision-maker with a strong eye for detail and a proactive nature. Articulate, results-oriented customer service professional. Excellent communication and problem-solving skills. Able to work independently or in a team environment. Dedicated to achieving customer satisfaction as well as meeting or surpassing company expectations. Able to understand and follow instructions through both written and verbal communication. Grasp client's requirements and management's needs quickly and apply appropriate actions to complete tasks in a timely manner. Constantly seeking new and more effective methods for performing professional duties. Recognized for exceptional ability to create trust and build lasting relationships.

Skills

Over 25 years of applied experience as Office

Assistant

Extensive knowledge in Mortgage Banking

Highly skilled in preparing correspondence and

reports

Excellent ability to prioritize work

In depth knowledge of coordinating and tracking

budgets and expenditures

Computer- MS Word, Excel, Outlook, PowerPoint

Excellent oral and written communication skills

Ability to exercise good judgment and maintain

confidentiality in sensitive information

Proactive customer service, serving as a liaison between management and customers

Experience

Loan Specialist 01/2022 to 05/2022

Small Business Administration -60 Hours Weekly Washington, DC-Remote

Evaluated and process small business applications to make recommendations for applicants to secure loan.

Utilized Rapid Software, to analyzed applicants ability to repay.

Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.

Upheld compliance with privacy and security requirements, as well as federal statutes covering Small Business loans.

Maintained complete confidentiality of all submitted information according to release guidelines.

Discussed loan needs and financial histories with clients and conveyed information regarding application processes.

Ensure all applications contain complete information to include conversations with applicants and written recommendations or justifications for conclusions.

Request, Review and managed any outstanding conditions pertaining to ODA Department and or underwriting departments. In order to stay within current guidelines of intending to proceeds, legislative and administrative loan limits.

Communicated with customers in person and via telephone and or email to answer questions, process transactions and resolve issues.

Loan Processor 05/2020 to 01/2022

Brillient Corporation – 40 Hours Weekly Reston, VA -Remote

Evaluated and process small business applications to make recommendations for applicants to secure loan.

Utilized Rapid Software, to analyzed applicants ability to repay.

Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.

Upheld compliance with privacy and security requirements, as well as federal statutes covering Small Business loans.

Maintained complete confidentiality of all submitted information according to release guidelines.

Discussed loan needs and financial histories with clients and conveyed information regarding application processes.

Ensure all applications contain complete information to include conversations with applicants and written recommendations or justifications for conclusions.

Request, Review and managed any outstanding conditions pertaining to ODA Department and or underwriting departments. In order to stay within current guidelines of intending to proceeds, legislative and administrative loan limits.

Communicated with customers in person and via telephone and or email to answer questions, process transactions and resolve issues.

Loan Processor 10/2019 to 01/2020

Sourcepoint Mortgage Houston, TX

Reviewed the loan applications submitted and structures the loan to accommodate the Automated Underwriting findings and customers’ needs.

Responsible for pulling and review of payoffs and pay history's.

Ordered and track all required documentation to assure processing timeframes are being met and updated system, calendar and front of loan file.

Evaluated financial statements and contacted institutions and customers to clarify details.

Maintained complete confidentiality of all submitted information according to release guidelines.

Checked approvals against established bank and government lending standards.

Reviewed and verified borrowers' income, credit reports, property appraisals and supplemental information to prepare documents for underwriting.

Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.

Completed closing process by collaborating with attorneys, title companies and government clerks.

Upheld compliance with privacy and security requirements, as well as federal statutes covering FHA/VA/Conventional loans.

Production Support Specialist 12/2012 to 08/2015

First Continental Mortgage Company Houston, TX

Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.

Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.

Performed daily maintenance of loan applicant database.

Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.

Provided excellent service and attention to customers when face-to-face or through phone conversations. Mortgage Loan Officer Assistant 02/2012 to 12/2012 K Hovnanian American Mortgage Houston, TX

Maintained Assistances for 6 Loan Officers

Performed administrative tasks such as creating status reports on loans in progress, photocopying loan documents, printing daily mortgage rate sheets and answering phones.

Generated estimates clients requested, sent pre-approval letters to agents and confirmed receipt of verification of employment documentation.

Maintained up-to-date knowledge and compliance with internal policies and procedures and verified adherence to state and federal laws, rules and regulations affecting loan institutions.

Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments and executed detailed follow-up through closing to verify completed requirements.

Analyzed loan files, including review of borrower's income, assets and credit, verified compliance to specific underwriting criteria and input new loans into designated software.

Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.

Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.

Performed daily maintenance of loan applicant database. Loan Coordinator 12/2010 to 07/2011

Robertson/Anschutz Houston, TX

Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.

Worked closely with team members to deliver project requirements, develop solutions and meet deadlines.

Approved mortgage loans by examining applications and supporting documentation.

Reviewed historical customer accounts to assess payment compliance and adherence to loan terms.

Checked applicant credit, personal references and employment histories.

Examined and verified information in loan application and closing documents.

Worked with third-party vendors to address and clear loan closing requirements.

Assembled and compiled title abstracts, insurance forms, loan documents and tax receipts.

Demonstrated self-reliance by meeting and exceeding workflow needs. Government Insuring Specialist 07/2008 to 05/2009

Stewart Lending Services Houston, TX

Responsible for the Insuring review process of the loan file.

Responsible for paying fees to FHA, VA and USDA and sending reports of fees paid to accounting.

Responsible for the correct required Loan Stacking Order for all files to be submitted for insuring or for Audit.

When additional documentation is required to complete the insuring process, you will be contacting Processing, Underwriting, or Closing internal partners, to request the corrected/missing documents.

Loans will need to be reviewed, insured and MIC/LGC/LNG sent to Investor within 30 days from funding.

Request Single Premium Checks from Accounting. When check copy is received upload copy of executed check and MI Cert to LOS system.

Meet time sensitive deadlines for paying fees and insuring the loan file. Education and Training

GED 04/2001

McLennan Community College Waco, TX

Some College (No Degree): Loan Processing - Loan Underwriting 10/ 2004 Champions School of Real-estate Houston, TX

Certifications

Certifications

Texas Savings and Loan Department

Houston Apartment Association

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