Loan Processor Customer Service

Motivated mortgage professional with ** years’ experience possessing a strong commitment to quality customer service coupled with superb communication skills. Builds customer loyalty by effectively resolving problems and quickly processing transactions.

Professional Proficiency

Services

Underwriting

Processing

Anti-Money Laundering

USA Patriot Act

Financial Industry Regulatory Act

Home Affordable Modification Program

FHA - GSE - Non-GSE – VA

DU/ LP

Suspicious Activity Monitoring

Suspicious Transaction Activity Monitoring

Currency Transaction Reporting

Watch List Filtering

Operations

Staff Management

Team Morale Events/ Leadership

Quality Assurance

Escalated Response

Project Coordination

Contract and Vendor Management

State and Federal Compliance

MS Excel

MS Word

Lexis Nexis

Analytical Judgment Research

Quality Assurance

Customer Service

Negotiating

Problem Solving

Accurate Follow up

Customer Retention

Inbound/Outbound Contact Strategies

Homebuyer Workshops

Tax Analysis

Strong Verbal Communication

Self-Motivated

Attention to Detail

Self-Motivated

Professional Experience

Senior Loan Processor

GUARANTEED RATE MORTGAGE, Jacksonville, FL June 2020 - Present

Reviews residential loan application file to verify application data is complete and meets established standards, including type, and mortgage applied for including but not limited to borrower credit assets, liabilities, and length of employment.

Run AUS after loan application data is confirmed to be accurate and meets guidelines to submit to underwriting for loan approval.

Order verifications (income assets, credit, liabilities) to verify accuracy of information stated on loan application.

Perform necessary follow up on any items required for the loan in a timely manner (i.e. title, insurance, appraisal, loan conditions from the borrower)

Submit approved mortgage loan file to closing departments and closing settlement agent/ attorney for settlement.

Able to effectively communicate with a borrower and or Loan Originator regarding any missing or delayed documentation required for loan approval or Final Loan Approval.

Senior Loan Processor

RP FUNDING Jacksonville, FL August 2016- June 2020

Supported Loan Officers through the whole mortgage process and utilized various operating systems to on=board mortgage loans.

Performed specific tasks by the Loan Officer

Accurately obtained and reviewed the applicant’s credit history.

Systematically stored and maintained

Met crucial deadlines while proving exceptional customer client data files.

Properly prepared files for submission to underwriting for loan approval.

Retained clients through excellent customer service skills

Followed up with clients at all times, keeping them informed of the loan process.

HOME SERVICE SPECIALIST II

DIGITAL RISK Jacksonville, FL February 2015- July 2016

Successfully closed refinance loans monthly using Encompass.

Researched documents such as income, appraisals, title, flood certificates, and other 3rd party.

Issued changes to terms and acted as the main contact between sales, underwriting, and closing department during each transaction.

Achieved results while complying with measurable standards in areas of customer analysis, accuracy, and efficiency for each file delivered.

LOAN OFFICER

AMERICAN EQUITY MORTGAGE Jacksonville, FL April 2014- February 2015

Compared and evaluated possible financial products, Conventional, FHA, VA, and USDA, developed solutions and decided which best met the need of the customer and financial circumstances.

Administered any changes to the loan product, and pricing information.

Developed prospects for new loans by conducting 40-60 cold calls weekly.

Cultivated and maintained relationships with local real estate agents.

Successfully closed on average 6-11 loans monthly using Encompass.

Mortgage Consultant

NACA, NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA Jacksonville, FL September 2013-April 2014

Qualified borrowers by reviewing payment histories, liabilities, and other credit information.

Provided motivation, direction, and options regarding alternative mortgage products.

Refined affordable budgets, determined affordability and provided action plans needed to qualify.

Submitted and obtained mortgage applications and cleared conditions.

Assisted with marketing organization campaigns and workshops rallies.

Originated loans on behalf of organization lenders.

Coordinated closings with attorneys, clients and real estate professionals.

Participated in media projects regarding organizational objectives.

Education & Licensing

Monmouth University- West Long Branch, NJ

Bachelor of Science: Marketing

Fair Debt Collection Practices Act. (FDCPA) Certification.

Fair Lending Act. Certification

ELLIE MAE Certified Mortgage Fraud, Anti Money Laundering

TRID Compliance

NMLS 1012425

Technology

Encompass

Fidelity

LPS/ DU Desktop Process Management

MGIC

Calyx

Equator

Aspect

FHA, FHLMC, FNMA, VA Proficient

Outlook

Word

Excel

PowerPoint

Fixed Income Products

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