Loan Processor Mortgage

CM Christine MAXWELL

Manchester, CT ***** 860-***-****

*******.***********@*****.***

WEBSITE,

PORTFOLIO,

PROFILES

PROFESSIONAL

SUMMARY

Talented Sr. Loan Processor knowledgeable about FHA, VA, Conventional and Jumbo loan market. Proficient time manager and collaborative team player trained in loan and underwriting processes.

SKILLS Loan Application Preparation

Tax Receipts

Credit Applications

Appraisal Verification

Lending Software Systems

Government Standards

Desktop Underwriter

Credit Reporting Software

Personal Reference Verification

Credit Bureau Contact

Loan Paperwork

Customer Communication

Title Abstracts

Credit Verification

Critical Thinking

Government Lending

Real Estate Title Concepts

Home Mortgage Disclosure Act

Deposit Verification

Program Requirements

Reading Comprehension

Settlement Statements

Microsoft Word

Closing Costs Calculation

Conventional Lending

Client Support

Encompass

Microsoft Office

Microsoft Teams

WORK HISTORY SENIOR MORTGAGE LOAN PROCESSOR 01/2021 to 10/2021 Infosys/Churchill Mortgage Next Brentwood, TN

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

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

Communicated with originator and applicant concerning progress of loan file.

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

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

https://Linkedin.com/in/Christine-Maxwell-623195239 Maintained compliance with privacy and security requirements, as well as federal statutes covering [Type] loans.

Completed denial and cancellation procedures on applicable files. Oversaw file input in mortgage software and grant-specific software. Reviewed and validated details of loan applications and closing documentation.

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.

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

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.

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

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

Consulted with outside vendors to identify and resolve loan closing issues. Received on-going, comprehensive training on home loan products and mortgage process.

Checked daily reports each morning to identify priorities or issues for escalation to supervisor.

Handled any conditions sent from underwriting departments. Set up and completed loan submission packages.

Prepared file for final clear-to-close by branch management. Coordinated closing process with attorneys, title companies and government clerks.

Evaluated approvals against established bank and government lending standards.

TECHNICAL TYPIST 10/2019 to 12/2019

Eastland Title Services South Windsor, United States Accurately typed 45 words per minute with no errors. Typed legal briefs, reports, and court petitions using correct legal format and design guidelines for documents.

Organized and prioritized proofreading, spell checking, document filing and data entry.

Created and modified documents and forms.

Checked completed work for proper spelling, grammar, punctuation and format.

Entered data into databases in alphabetic and numerical order. Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.

PROCESSOR/UNDERWRITER SPECIAL PROGRAMS 01/2013 to 06/2019 Connecticut Housing Finance Authority Rocky Hill, CT Rotated merchandise and displays to feature new products and promotions.

Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.

Maintained professional demeanor by staying calm when addressing unhappy or angry customers.

Established team priorities, maintained schedules and monitored performance.

Directed training and retraining of employees to boost performance and enhance business results.

Assisted in organizing and overseeing assignments, planning and coordinating in-house and outsourced resources.

Defined clear targets and objectives and communicated to other team members.

Delivered training for staff development, change management and materials, process and technical controls.

Answered customer telephone calls promptly to avoid on-hold wait times. Offered advice and assistance to customers, paying attention to special needs or wants.

Investigated and resolved customer inquiries and complaints quickly. Delivered prompt service to prioritize customer needs. Analyzed credit, income, compliance, title documents and appraisals during underwriting process.

Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.

Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions. Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.

MORTGAGE PROCESSOR/LOAN OFFICER ASSISTANT 11/2010 to 11/2012 Prospect Mortgage Bloomfield, CT

Documented borrower's information in loan processing system and resolved any discrepancies.

Supported loan processing by compiling applicant documentation such as credit reports, employment verifications and financial history paperwork. Assisted with timely loan closing and funding activities with efficient management of task checklists.

Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps. Conferred with applicants and creditors to obtain information and resolve paperwork discrepancies.

Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.

Communicated with customers daily to request information and complete paperwork.

Assembled important paperwork and disclosures for borrower. Monitored key dates to obtain information by deadlines. Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.

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

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.

Consulted with outside vendors to identify and resolve loan closing issues. Worked with Loan Officer to create application profile in system and review key information at various stages within process.

Cultivated productive relationships with clients, realtors and title/escrow officers to increase profits and expand customer base. Assessed loan compliance to meet mortgage lending laws and regulations.

Reviewed and validated details of loan applications and closing documentation.

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

EDUCATION College Prep

Bolton High School, Bolton, CT

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