GLORIA WILLIAMSON

*** **** **** **** *****, SC 29805 · 803-***-****· adsv55@r.postjobfree.com

SENIOR LOAN PROCESSOR

CAREER DESCRIPTION – Results driven financial professional with 15 years of experience. Knowledgeable and passionate processor with customer service and problem-solving skills, a keen eye for analyzing documentation and satisfying conditions.

Competencies are as follows: leadership and morale boosting skills, resourceful, comprehension of compliance, policy and procedures, effective internal and external customer service skills, detailed financial analysis, project management, relationship building skills, problem-solving skills, and proficient use of software applications.

ACCOLADES

Acknowledged for exceptional customer service in a consecutive 12-month period.

Noted as a subject matter expert and promoted to team lead.

Increased production 10% from month to month with a 95% accuracy rate.

Awards for consistently exceeding department metrics and assisting other team members.

PROFESSIONAL EXPERIENCE

AMERICAN FINANCING, REMOTE

SENIOR LOAN PROCESSOR 11/2021 – PRESENT

Junior underwrites loans prior to submitting to the processing team. Calculate wage earner income, self- employed income, run DU/LP, order and evaluate credit reports, fraud reports, analyzes assets and liabilities and contacts the borrower for additional documentation, if necessary, determines if the loan is viable before moving to processing. Works with loan officer directly to restructure or solve qualifying issues.

GUARANTEED RATE AFFINITY, REMOTE

SENIOR LOAN PROCESSOR 12/2020 – 10/2021

Worked with customers, loan officers and underwriters regarding questions and issues related to processing loans. Analyzed income, assets, liabilities, credit reports, fraud report, opened title and requested homeowners’ insurance. Ran DU for approval and analyzed it for the information necessary to satisfy conditions. Processed FHA, VA and conventional loans.

SRP FEDERAL CREDIT UNION, NORTH AUGUSTA, SC

LOAN PROCESSOR III 12/2019 – 12/2020

Managed a pipeline of over 60 loans per month and closed an average of 45. Calculated and analyzed income, assets and liabilities. Reviewed income against debt to determine debt-to-income ratios. Reviewed appraisal and insured the correct appraised value reflected in the application. Worked with the sales manager and lock desk to be sure rates did not expire. Followed TRID guidelines to be sure disclosures were sent to the borrower timely and accurately. Collected documents from borrowers’ and third-party vendors, provided internal and external customer service.

TD BANK, LEXINGTON, SC

LOAN PROCESSOR II 10/2018 – 12/2019

Provided customer service to internal and external customers. Reviewed loan applications for compliance and proper documentation. Verified documentation for accuracy and reconciled against data entered into the software system. Computed income, assets, and liabilities to determined debt-to-income ratios. Requested title, insurance, homeowners’ association documentation and verified documents for accuracy once received. Reviewed and evaluated complete application package for accuracy and compliance. Satisfied conditions per underwriting.

SECURITY FINANCE, NORTH AUGUSTA, SC

BRANCH MANAGER 10/2013 – 10/2018

Coordinated and oversaw the daily duties of branch personnel. Developed and maintained customer relations. Secured and maintained office cash balance. Achieved account gain through proven decision-making skills and effective customer marketing. Ensured state and federal compliance and lending regulations were adhered to. Reviewed and approved prompt completion of loan applications. Minimized delinquent debts through collection activities via telephone and field work. Trained branch personnel in all phases of branch operations. Implemented and regulated procedures to be sure branch personnel were compliant in record-keeping procedures. Reported branch accounting figures to the corporate office.

REGIONAL FINANCE, AIKEN, SC

BRANCH MANAGER 07/2001 – 08/2013

Managed store operations to ensure sales transactions, customer payments, and collection activities were performed in accordance with company operations, procedures and applicable laws. Increased profitability through customer satisfaction, community involvement, marketing, soliciting new business from existing customers, employee training and managing expenses. Developed team members to maximize performance. Delegated and supervised the work of employees. Determined and/or approved loan values. Performed HR functions. Compiled and analyzed daily, monthly and quarterly reports. Communicated and shared information with all levels of management.

EDUCATION

SOUTH CAROLINA STATE UNIVERSITY, Orangeburg, South Carolina

B.S., ACCOUNTING

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