Stephanie Evans

Winter Garden, FL ***** 407-***-**** aduaub@r.postjobfree.com

Professional Summary

Results-oriented Loan Processor highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. Over 7 years of experience in loan processing and mortgages FHA, Conventional, VA Loans.

Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills. Hardworking and passionate Jobseeker with strong organizational skills eager to secure entry-level Underwriter position in a Mortgage environment. Ready to help team achieve company goals.

Skills

Word Microsoft office windows (5 years)

Third Party Mortgage Processing

Field Service

Troubleshooting

Encompass Computer Training

Notary Public

Notary Loan Signing Agent

Customer Focus & Orientation Highly Proficient

Responding to customer situations with sensitivity.

Administrative

Computer Training

Drafting

Credit Review

Income Calculations

Financial Reports

Help Desk

Insurance

Legal

Legal Research

Microsoft office

Microsoft Outlook

Windows

Word

Mortgage Loans

Negotiation

Payroll

Presentation Skills

Rendering

Supervisor

Desktop Support

Telephone

Transcription

Troubleshooting

Underwriter

Writing Skills

Appraisals

Legal compliance

Application preparation

Problem resolution

Customer service

Information Verification

Interviews

Financial document review

Contract finalization

Loan Processing

Processing Procedures

Work History

Mortgage Loan Processor, 01/2021 to Current

DHI Mortgage Company – Orlando, FL

Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.

Reviewed financial statements and contacted institutions and customers to clarify details.

Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.

Upheld complete confidentiality of all submitted information according to release guidelines.

Received on-going, comprehensive training on home loan products and mortgage process.

Handled any conditions sent from underwriting departments.

Evaluated approvals against established bank and government lending standards.

Communicated with originator and applicant concerning progress of loan file.

Filed completed loan applications with underwriting and made approval or denial recommendations.

Verified credit histories, personal references and employment backgrounds for each applicant.

Produced and submitted completed loan packages to title and escrow professionals.

Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.

Consulted with outside vendors to identify and resolve loan closing issues.

Reviewed and validated details of loan applications and closing documentation.

Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.

Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.

Set up and completed loan submission packages.

Responsible for a pipeline of 25-35 loans per month, both purchase and refinances

Loan Processor, 08/2020 to 11/2020

AmeriSave Mortgage Corporation – Atlanta, GA

Prepared documents for underwriting by verifying client income, credit reports and other information.

Coordinated closing process with attorneys, title companies and government clerks.

Set up and completed loan submission packages.

Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.

Handled any conditions sent from underwriting departments.

Maintained friendly and professional customer interactions.

Reviewed and validated details of loan applications and closing documentation.

Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.

Produced and submitted completed loan packages to title and escrow professionals.

Utilization of AUSSIE and company procedures

Microsoft Office, DU, LP, CRM

Responsible for a pipeline of 50-60 loans per month, both purchase and refinances

Senior Mortgage Loan Processor, 03/2020 to 08/2020

Nexa Mortgage – Orlando, FL

Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.

Reviewed financial statements and contacted institutions and customers to clarify details.

Coordinated closing process with attorneys, title companies and government clerks.

Evaluated approvals against established bank and government lending standards.

Maintained compliance with privacy and security requirements, as well as federal statutes covering loans.

Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.

Set up and completed loan submission packages.

Handled any conditions sent from underwriting departments.

Verified credit histories, personal references and employment backgrounds for each applicant.

Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.

Filed completed loan applications with underwriting and made approval or denial recommendations.

Assessed customer account histories to determine previous compliance with payment plans and loan terms.

Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.

Set up, stored and updated customer files, department records and regulatory paperwork.

Maintained excellent attendance record, consistently arriving to work on time.

Upheld complete confidentiality of all submitted information according to release guidelines.

Consulted with outside vendors to identify and resolve loan closing issues.

Responsible for a pipeline of 60-65 loans per month, both purchase and refinances

Mortgage Processor II, 02/2015 to 02/2020

Premier Mortgage & Field Services LLC – Orlando, FL

Reviewed Loan Application file, Made Contact with Credit Bureaus or Employers to Verify Client Information, Verify Discrepancies Title or Survey, Verify type and amount of Mortgage Applied For, Assets, Liabilities.

Verified and Complied, Input application information for Mortgage Loans, Submit loan to Underwriter for Approval, Review 1003, Ordered Appraisal Title Insurance, Scheduled Closings Experience with Encompass.

Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.

Set up, stored and updated customer files, department records and regulatory paperwork.

Verified credit histories, personal references and employment backgrounds for each applicant.

Assessed customer account histories to determine previous compliance with payment plans and loan terms.

Produced and submitted completed loan packages to title and escrow professionals.

Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.

Resolved conflicts and negotiated mutually beneficial agreements between parties.

Consulted with outside vendors to identify and resolve loan closing issues.

Filed completed loan applications with underwriting and made approval or denial recommendations.

Processed account maintenance transactions, including account transfers, federal fund wires, registered representative changes and IRA requests.

Utilized and trained associates on various financial products and software programs.

Responsible for a pipeline of 40-50 loans per month, both purchase and refinances

Collections Team Lead, Mortgage, 01/2018 to 01/2019

Westgate Resorts,Diamond Resorts – Orlando, FL

Answered inbound and outbound Telephone calls to Mortgage Borrowers that were 60 days or more Delinquent.

Skipped Traced Accounts for Possible Leads to Find Customer information to Contact Them.

Quoting Re installments Amount, Payoffs and Setting up Repayment Plans within system.

Escalated calls or problem Accounts to Supervisor, Repossession, Legal Collection Agencies as Appropriate.

Observed and Applied Fair Debt Collections Practices Act in the Conduct of Collection Activities.

Planned and dealt with payment schedules.

Worked with underwriters to fix application problems and resolve issues.

Reviewed loan files and updated to match current standards.

Maximized productivity by keeping detailed records of daily progress and identifying and rectifying areas for improvement.

Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.

Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.

Originated, reviewed, processed, closed and administered customer loan proposals.

Assisted senior-level credit officers with complex loan applications.

Fielded customer complaints and provided solutions.

Compliance Specialist, 01/2009 to 12/2014

Hilton Grand Vacations – Orlando, FL

Monitored Compliance with Rules and Regulations and Implement Procedures for Handling Violations.

Draft and Signed Correspondences and Required Notices in Correction with Timeshare Owners who are in Violation of the Declaration and Rules and Regulations.

Reviewed and approved payroll for all direct employees and reviews and codes Vendor Invoices before payment.

Ensured that Team Members follow all safety Pre Cautions and Procedures While Performing Duties.

Supervised and Monitored Contractors Rendering Services to the Association.

Inspected The Repair and Maintenance of Equipment and Building Components and Review Invoices to Confirmed work Completion and Contract Compliance.

Prepared Recommendation for Collection Action on Delinquent Accounts and Act as Liaison with the Legal Department and Association Counsel and Board.

Assisted in Preparation of Monthly Financial Reports and Reviews.

Confirmed data and licensing information through investigations and notified violators of required changes to bring operations into compliance.

Maintained composure in stressful situations, including confrontations, interviews and records searches.

Advised clients on compliance fraud and investigations, as well as potential remedies and required actions.

Resolved conflicts and negotiated mutually beneficial agreements between parties.

Managed quality assurance program, including on-site evaluations, internal audits and customer surveys.

Entertainment Paralegal, 01/2000 to 12/2013

Starr Island Entertainment Group – San Francisco, CA

Created highly researched and articulate legal paperwork such as pleadings, contracts and briefs.

Developed polished legal documents, including motions and briefs, to support litigation processes and court proceedings.

Coordinated trial exhibits by organizing materials, writing documentation and preparing digital materials and displays.

Investigated facts and laws to determine causes of action and to prepare cases.

Created weekly, monthly and quarterly expense reports, including employee success and revenue reports.

Reviewed contracts and reported findings to support legal team in development of breach of contract defenses.

Drafted, signed and certified key legal documents for judicial review.

Researched innovative methods of adding value to key client relationships by providing timely material to facilitate frequent interactions with clients.

Identified appropriate judicial decisions relevant to cases.

Conducted detailed client intakes and entered information into company database.

Collected, drafted and maintained resources to provide comprehensive materials accessible to all firm lawyers.

Conferred with clients and other involved parties to gather and track case information.

Established law library database accuracy by maintaining legal records to regulate disparities and perform updates.

Adhered to privacy laws to avert possible information breaches and protect client data.

Developed and coordinated training to maintain access to high-quality training materials.

Conducted skip traces to obtain case participant information.

Developed online, client-facing and internal resources and collated resource content.

Examined and generated memos on statutory law, case law and federal and state regulations using online research databases, such as Westlaw, and print sources.

Researched, monitored and informed firm of legal and industry developments and trends and articulated effects on practice and clients.

Communicated with outside vendors on behalf of attorneys and legal departments.

Created and implemented all policies, work flow processes and work assignments.

Reviewed and analyzed government and judicial structures, as well as arbitration concepts and negotiation techniques.

Education

Master's: Entertainment Business

Full Sail University - Orlando, FL

Paralegal Studies

Nova Southeastern University - Orlando, FL

Additional Information

#readytowork, Willing to relocate: Anywhere, Authorized to work in the US for any employer

Certifications

Highly Proficient with Encompass, Calyx Point, Lender Training Software Stearns, United Wholesale Mortgage, Paramount Mortgage, Caliber, Essex Mortgage, Land Home, Mortgage Solutions, Sun West, Orion, AFR, Notary Loan Signing Agent.

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