Loan Processor Customer Service

Staci A. Holt-Wright

NMLS# *******

**** ********* ******** ***. ********, Ga 30152 404-***-**** ******.*.*****@*****.***

Senior loan processor ten plus years in the making. Looking to join an established mortgage lender, where I can apply my skills, knowledge, and enhance my current skills, to better serve clients, as well stay updated with current business trends. I am driven and passionate about my job, and love hearing clients reactions to Approved or Cleared to Close!

Thank you for time and consideration, and I hope to hear from you!

INDUSTRY TRAVELS:

Loan Depot, LLC. Atlanta, Ga (Remote)

Account Manager III. 09/2021 – 02/2021

AmeriSave Mortgage Corporation Atlanta, Ga (Remote) Retail Sr. Loan Processor /Team Lead

02/2020 – 09/2021 Diamond Home Loans - Brokerage Las Vegas, NV (Remote) Retail Processing Manager 01/2019 - 12/2019

Access National Mortgage Marietta, Ga

Retail Sr. Loan Processor/ LOA 07/2018 - 01/2019

First Guaranty Mortgage Corporation Tysons Corner, VA Retail Senior Loan Processor 11/2013 - 03/2018

Recipient of Processor of the Year - Retail Division 3 consecutive years

INDUSTRY SKILL SET

● Detail oriented, focused on organizational and time management skills.

● Able to work independently and handle multiple priorities under pressure of deadline and time restraints.

● Promotes teamwork within the department and other departments.

● Reviews file when received and orders or oversees the ordering of all appropriate documents including credit report updates, title work, appraisal, final inspections, hazard insurance, flood certification and flood insurance, if required.

● Ensures that all hazard insurance and flood insurance meet investor and regulatory requirements prior to the loan closing.

● Ensures accuracy by reviewing and analyzing all aspects of the mortgage credit package including but not limited to: accuracy of file input, timely delivery of required application disclosures, title policy, assets and asset documentation, income figures and income documentation including personal and corporate tax returns, credit report/credit documentation and appraisal review. Successfully documents mortgage loan file within LOS processing system as required. Required tracking fields if any are to be completed prior to submission to underwriting.

● Ensures legal/regulatory procedures are followed and compliance practices meet all Federal and State standards.

● Ability to run appropriate AUS on each file, verify and validate AUS findings and document file accordingly.

● Able to interface effectively and professionally with applicants/borrowers, realtors, builders, appraisers, title companies and others to insure efficient and timely workflow and perform related duties as required.

● Provide quality customer service by answering questions for external and internal customers in a timely and professional manner.

● Prepares a complete and concise loan file with timely submission to underwriting and closing in order to meet scheduled contract or other predetermined deadlines.

● Ensures that all conditions have or will be met prior to providing the file to the closing department for preparation of closing documents.

● Attention to detail and accuracy.

● Excellent customer service with strong verbal and written communication skills.

● Provides excellent customer service and customer related problems quickly. Decision Making

● Identifies problems and develops procedures to resolve or correct the situation; monitors and measures the results.

● Projects a professional image, collaborate in other department to accomplish goals and demanding deadlines

● Apply accurate knowledge of loan guidelines and investor overlays in regards to credit, LTV, DTI and required file documentation for FHA 203K Limited and Standard, FHA, VA and Conventional purchase and refinance programs

Independent Studies

Enhances personal knowledge of products and services as well as the laws, regulation and internal policies and procedures appropriate to the position and above. Loan Programs

Well Versed in all loan programs, within their regulatory guidelines Including, but not limited to:

● Retail & Commercial

● Conforming Jumbo/Non-conforming

● 80-10-10 / 80/20

● DPA/Grant Assistance

● Credit Qualifying/Streamline Finance

● 1X Close/Construction/Reno - 203K Limited and Full

● 1031 Exchange/Bridge Loans

● Second/Investment Homes/Portfolio Investments

● Retail purchase (End Loan)/Bridge Loans

Technology

• Cloud based software

• Appraisal Management policies

• Appraisal requirements per investor, guidelines, and property conditions.

• State specific guidelines regarding full appraisals, termite inspections, water testing, and/or final inspections.

• Well-versed in initial disclosures, redisclosures, change of circumstance requirements and final closing disclosure

• Able to read and interpret AUS Findings.

• FHA Connections,, VA Portal, GUS, and All-Regs

Contact this candidate