Loan Processor Customer Service
Resume:
CYNTHIA W. HARRIS, MBA
Glen Allen, VA 23060
804-***-**** *************@*****.***
SUMMARY
Versatile Customer Services Professional with passion for helping people.
Solution-focused team player who enjoys helping others grow their skills and knowledge.
Client satisfaction is number one priority which results in building long-lasting relationships with clients, co-workers, and vendors.
PROFESSIONAL EXPERIENCE
OVM FINANCIAL, INC., Virginia Beach, VA – REMOTE December 2021 – September 2022
Senior Loan Processor
Reviewed new loan files to ensure all information in loan system is accurate. Updated all information based on new information from employment verifications, bank statements, credit inquiries and other third-party documentation. Worked with loan team to clear underwriting conditions. Ensured all loans meet requirements for regulatory, agency, investor, company, and state directives. Managed pipeline of 25-40 loans, including purchases, refinances, Conventional, FHA and VA and VHDA. Provided exceptional customer service to loan team through frequent communication throughout the process. Ensure all conditions are cleared and files returned to Underwriting for final Clear to Close and closings are on time. Worked as liaison between Operations and Post-Closing department to ensure all post-closing investor conditions were obtained and satisfied to loans could be sold.
WYNDHAM CAPITAL MORTGAGE, INC., Charlotte, NC – REMOTE March 2021 – December 2021
Loan Processor
Review new loan files for credit, income, assets and collateral documents to ensure accurate and complete information to make credit decision. Submit files to underwriting for initial approval. Work with borrowers to clear underwriting conditions. Ensure all loans meet requirements for regulatory, agency, investor, company and state directives. Manage pipeline of 25-40 loans, including purchases, refinances, Conventional, FHA and VA. Provide exceptional customer service to borrowers through frequent communication throughout the process.
THE FEDERAL SAVINGS BANK, Richmond, VA – REMOTE July 2020 – December 2021
Underwriting Analyst
Set proper expectations with all parties on the loan file. Analyzed credit, income, assets, and collateral documents before submitting files to underwriting. Cleared underwriting conditions and communicated effectively with Bankers and clients. Collaborated with Mortgage Analysts to review & analyze title for all requirements and address issues, insurance coverage for mortgagee. Managed pipeline of roughly 100 loans, including purchases, refinances, Conventional, FHA and VA.
CAPCENTER, Glen Allen, VA July 2017 – July 2020
Senior Loan Analyst
Managed pipeline of 50-70 loan applications from commitment received through closing. Responsible for loan processing, underwriting, and closing package preparation for conventional, FHA and VA loans. Worked with borrowers purchasing a new home or refinancing a current property to gather documentation needed to complete income/debt analysis, risk assessment and to prepare the closing package. Work collaboratively with loan officers, appraisal team, title department and closing department to successfully close loans within desired timeframe. Extensive knowledge of origination, processing, underwriting, closing, secondary market and regulatory compliance. Licensed loan officer in Virginia and North Carolina.
CYNTHIA W. HARRIS, MBA *************@*****.*** PAGE TWO
ADVENT GLOBAL, Houston, TX – REMOTE July 2016 – July 2017
Post-Closing Loan Reviewer – Citizens Bank (Client)
Performed digital post-closing audit of conventional and portfolio loan files to ensure completeness and
accuracy in accordance with investor guidelines and regulations. Requested corrected or missing
documentation from appropriate parties and ensure all closing conditions are met so loans are eligible for sale.
ZINGENUITY, INC., Irving, TX January 2014 – August 2015
Purchase Loan Review Analyst – Suntrust Mortgage (Client)
Performed digital post-closing review for compliance and purchase requirements on Conventional, FHA, VA loans, ensuring loans met requirements to be sold on the secondary market. Pended loans with missing information and submitted to correspondent banks for correct documents.
● Maintained policies and procedures manual for post-closing review staff with updates from client.
● Updated and enhanced training materials and assisted with training and quality control reviews for new hires.
SUNTRUST MORTGAGE, INC., Richmond, VA March 2011 – October 2013
Purchase Loan Review Specialist
Performed compliance and purchase post-closing review of Conventional, FHA, VA loans, ensuring loans met purchase requirements for SunTrust Mortgage, Inc and were eligible for sale on the secondary market. Worked in both a paper and digital environment. Pended files with missing information and submitted to correspondent banks for correct documents.
●Developed and wrote procedures for reviewing loan documents digitally using OneNote, enabling paperless loan review.
●Trained purchase review department on digital review process, allowing department to go paperless.
AT YOUR SERVICE, Richmond, VA January 2000 – November 2015
Notary Signing Agent
Performed over 2,500 mortgage closings as signing agent for various title companies and lenders nationwide
including Quicken, Bank of America, Wells Fargo, Countrywide, SunTrust, GMAC, Title Source, Inc., and Boston
National.
IT SKILLS
Adobe Illustrator 10, MS Office (Word, Excel, PowerPoint, Outlook, OneNote)
Encompass, Fannie Mae Direct Underwriter, Freddie Mac Loan Prospector
EDUCATION
MBA, Marketing, Virginia Commonwealth University, Richmond, VA
BS, Marketing, Virginia Commonwealth University, Richmond, VA
BS, Real Estate and Finance, Virginia Commonwealth University, Richmond, VA VOLUNTEER EXPERIENCE
American Foundation of Suicide Prevention – 2016-2017 Board Member and Chair of 2016 Richmond Out of the Darkness Community Walk
Richmond SPCA -- Big Brothers/Big Sisters -- Girl Scouts -- Boy Scouts of America
American Marketing Association - VP Communications/VP Special Events
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