Mortgage Consultant Loan Processor

Paula Kettering

Professional Experience

Self-motivated individual with strong organizational skills, attention to detail, ability to multi-task and adapt easily, strong oral and written communications skills, and excellent customer service skills.

August 2018 – November 2021 Guaranteed Rate Chicago, IL

Operations Assistant

Requesting verification of employment, divorce paperwork, bank statements, and other documentation for loan package

All-around support for Mortgage consultant/Loan Consultant, and the POD.

Proactively support Mortgage Consultant/ Loan Consultants with tasks related to increasing production, promoting efficiency, reducing error, and ensuring high quality work product.

Focuses on day-to-day tasks such as answering phones, requesting employment verification, ordering appraisal, mortgage insurance, maintaining vital and important documents, filing, and any other tasks assigned by the Mortgage Consultant/ Loan Consultant based on automated processing triggers.

August 2016 – August 2018 Guaranteed Rate Chicago, IL

Renovations Specialist

Facilitated communication between homeowner, consultant, and contractor during the property renovation process.

Facilitated smooth processing of loan by completion of necessary tasks in the loan process such as request for employment verification, ordering of appraisal, insurance

Answered phones, filing, help loan officers

Management of renovations ranging from the simple to more complex projects

Assist in preapproval process to determine budget needed for renovation/ project(s)

Assist in finding a property if client was moving

Assist client in submission of offer

Meeting with a HUD Consultant/Contractor at either home of client or the location of the renovations to conduct a project review and decide on repairs/potential projects

Obtaining contractor bids for intended improvements, and consulted with architects, \designers, or engineers

Assist underwriting in closing preparation by reviewing appraisal and final renovation

Assist in closing and ensuring the receipt of the closing disclosure once returned, reviewed, and signed by client.

August 2016 – November 2021 Guaranteedrate Chicago, IL

Closing Disclosure analyst

Assembly, preparation, review, and verification of documents for loan closing while ensuring all applicable state, federal and regulatory requirements are met.

Ensure accuracy of documents sent to closing, including but not limited to borrower name, rate, term, and loan type, first payment date and escrow information

Work in parallel with the loan consultant to make sure all documents and final figures in the file are ready for closing

Obtain 3rd party orders, review, and request updates, and prepares the file for submission to closing

August 2014 – November 2016 Petro Plus Starbuck, MN

Assistant Manager

Provide prompt courteous customer service and professionally resolves customer and employee issues

Performs shift supervision

Completes daily bookkeeping and deposits, invoicing, gasoline ordering and maintenance of data, and banking

Assists in hiring and training all customer service associates

Maintains the business in the absence of the store manage

November 2013 – November 2016 Midwest Mortgage Willmar, MN

Loan processor

Start to finish processing of loan, clearance of conditions upon return if applicable

Set up and management of loan files, both manually and on the computer, and order all exhibits (i.e., VOE's, VOD's credit report, etc.)

Collection and recording of customer information in a timely manner to ensure timely processing of compliant mortgage loan files

Maintain frequent communication while providing exceptional customer service to homebuyers, mortgage branch personnel, and the homebuilding divisions throughout the entire loan process

Ensure accuracy and completeness of each loan file processed prior to passing on to the closing department

Follow up on submitted loans and/or pended loans

Coordinate closing paperwork and tasks, as required

Remain knowledgeable in all loan programs and guidelines as well as company approved Broker options

Cell: 320-***-****

E-Mail:**********@*****.***

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