Loan Processor

MONICA L. WILKINS

720-***-****/***************@*****.***

Summary of Qualifications

10+ Banking Industry experience working as a Relationship Manager 6+ years Mortgage Industry experience working as a Loan Processor and Loan Officer Assistant Extensive experience with processing and preparing purchase and refinance mortgage loans

(Conventional, FHA,VA, Jumbo, USDA, CHFA, Dirt Start/New Build and HARP modifications) under various loan programs and in accordance with policies and procedures Maintained a pipeline of 40-50 loans, closing a minimum of 20 per month Analyzed customer credit data and other related financial information Responsibilities included working with the borrowers and loan officers to obtain all documents and review documentation to ensure compliance with investor guidelines prior to submitting to underwriting

Performed a variety of loan documentation duties on conforming loan packages using knowledge of policies and procedures

Processed and closed residential mortgages using Encompass, Unify, Calyx, Marti, Empower and employer proprietary software

Accurately calculated income and debt-to-income ratios Accurately entered all relevant data into the point of sale or loan origination system Processor

• Provided effective communication and professional partnership to Loan Officers, Underwriters, Mortgage Assistants

• Analyzed financial statements, production reports, tax returns, and credit documentation for accuracy and compliance for investor guidelines

• Surpassed monthly goals of closed loans and received occasional recognition for great customer service

• Developed pipeline management tools to aid in organization and effectiveness

• Performed financial assessments and determined eligibility

• Answered clients' questions about the purposes and details of financial plans and Ordered and analyzed appraisal reports and legal document reviews in compliance with loan guidelines

• Reviewed loan files for accuracy prior to sending to Compliance and Closing to minimize errors

• Served as a liaison and Point of Contact between Loan Officers and Underwriters

• Gathered information at the direction of underwriters to fulfill investor guidelines

• Contacted borrower to ensured loan terms and conditions were accurately conveyed and documented properly.

• Consistently exceeded loan closing volume goals

• Analyzed home loan applications, property specifications, and documentations

• Ordered required loan verification documents and conducted subsequent follow up with customers and internal contacts as needed

2

• Implemented business loan decision based on established policies, rules, guidelines, and credit risk procedures

• Conducted research and problem solving techniques to ensure compliance with customer loyalty, quality and timeliness standards

• Analyzed complex loan transactions as well as reviewed and uploaded transaction documentation

• Reviewed documents such as residential loan applications, appraisal documentation, title research and discovery documentation, borrower's disclosure, and mortgage statements and pay offs Work History

Processor PNC Bank Pittsburgh, PA

Processor Bank of England Mortgage Broomfield, CO

Processor Nest Home Lending Longmont, CO

Processor Mountain West Financial Westminster, CO

Processor Bank of the West Westminster, CO

Processor Resmac Mortgage Denver, CO

Professional Summary

Work independently or in a Team Environment

Persuasive and Effective Communicator

Organized and Highly Efficient /Multi-task

Proficient understanding of Lending /financial Products Proficient with MS Office Suite

Education

High School Diploma

Westminster High School Westminster, CO

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