Loan Processor Officer Assistant

Lori Barb

Loan Officer Assistant, Junior Underwriter,

Loan Processor

***********@*****.*** • 720-***-****

• Las Vegas NV, 89108

Summary

A knowledgeable and dedicated professional with over 30 years of experience in the mortgage lending industry. Forms close lines of communication with clients, agents, loan officers, underwriters, and title company closers to resolve problems and instill confidence in the transaction process. Possesses strong leadership skills and swiftly adjust to new policies and procedures through detailed research.

Qualifications Summary

Proficient with FHA, VA, Jumbo, Subprime, and Conventional Mortgage Loans.

Excellent verbal/written communication skills honed by years of interaction and rapport-building with clients, agents, borrowers, realtors, and fellow loan officers of all types.

Well-organized and skilled at calculating income and analyzing loan applications, preapproval letters, cover letters, and set up sheets via applications such as Encompass and Calyx Point.

Career Experience

Fairway Independent Mortgage March 2021 – May 2022

Loan Officer Assistant

Reviewed Loan Applications assigned by senior Loan Officers via the Pipedrive web application. Communicated with Loan Officers and prospective borrowers to answer questions and acquire documentation needed to complete the application process in a timely, accurate fashion. Completed and filed Loan Application files, preapproval letters, initial disclosures, and redisclosures throughout the process.

Corresponded with borrowers from contract to close to gather documentation, answer questions, and address concerns.

Sent handwritten thank you notes to borrowers and realtors.

Sent weekly status letters to keep borrowers and agents up to date on the Loan Application process.

Assisted Loan Officers with new appointments and with funding $46M in 2021

Guild Mortgage Co. June 2019 – February 2021

Mortgage Loan Processor II / Production Manager

Analyzed and verified all Mortgage Loan documentation provided by borrowers and agents. Reviewed credit reports/history, debt-to-income ratios, income sources, and appraisals. Kept in constant communication with all parties involved in transactions. Evaluated loan documentation in order to ensure compliance with Mortgage Loan regulations and policies.

Guiding clients through the loan application process with a friendly, helpful and considerate demeanor.

Closed conventional Mortgage Loans along with FHA, VA, Subprime, and Jumbo loans.

Arapahoe County Sheriff’s Department April 2015 – October 2018

Police Dispatcher/Detention Operations Technician

Received, processed, and archived calls to the police station concerning crimes, emergencies, and other requests for police and rescue intervention, informing and dispatching officers to respond as appropriate. Monitored alarms from police radios and local buildings. Analyzed information from the National Crime Information Center. Observed inmates, deputies, and visitors through security monitors, opening and closing doors remotely to control movement through the detention facility and maximize the safety and security of dayrooms.

Maintained composure, followed dispatching procedures, and carefully communicated with callers during emergencies.

Deescalated tense situations by remaining calm and helpful.

First Commercial Bank April 2013-March 2015

Senior Loan Officer/Mortgage Banker

Initiated contact with potential individual clients and new business prospects in need of financing or refinancing. Accepted/rejected loan/mortgage applicants based on factors such as employment status and credit history. Sustained ongoing relationships with established clients through follow-up messages and queries. Authorized Loan Applications and oversaw the creation and review of contracts, payment plans, and other documents in compliance with underwriting guidelines and Federal/State Agency regulations. Obtained closing documents and confirmed the receipt of internal funding and post-closing conditions.

Underwrote conventional loan files.

Prepared high-quality proposals in a timely fashion through continuous research and monitoring new policies, compliance and accuracy.

Consistently remained up to date on new programs and procedures.

First Mortgages April 2013-March 2015

Senior Loan Officer

Established and cultivated business relationships with realtors, home builders, credit union staff members, and other clientele. Managed the accounts of home builders and coordinated with local credit unions to manage B2B sales in the community. Evaluated financial backgrounds of applicants to determine compatibility with certain mortgage loan repayment plans. Reviewed and revised application, forms, and payment plans to comply with Federal/State regulations and changes in policies.

Additional Experience

First Option Lending

Branch Manager/Senior Loan Officer/Loan Officer Assistant

Managed the producing sales officer team. Maintained consistent top L.O. status as a producing manager. Collaborated with the branch Underwriter to review factors such as income calculations, recorded assets, appraisals, credit information, insurance, regulatory compliance evaluations, title order, case numbers, and the functionality of Automated Underwriting Systems. Cultivated working relationships with borrowers, agents, and title personnel through regular phone and email communiques, providing excellent customer service at all times.

Notarized and submitted over 80% of the mortgage closing packages at the Denver Office of First Option Lending.

Underwrote conventional Loan Files.

Contract Loan Processor

Prepared and submitted loan files to bank and mortgage lenders. Answered queries from eligible borrowers and assisted them in finding and applying for loans. Ensured files and applications were in compliance with Federal/State policies. Managed and trained sales staff teams across multiple states

Education

High School Diploma

Littleton Senior High, Littleton, CO

Technology

Word, Excel, Power Point, Encompass, Caylx Point

Licenses & Certifications

NMLS, No. #21836

Issued in 2008

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