KATHY YOUNG

**** ******* **** **** ***********, Ohio 45068 937-***-****

RELATED SKILLS

●Accurate math, Analytical skills

●Management experience

●Self-motivated & Detail Oriented

●Excellent knowledge of Mortgage operations

●Strong communication skills

●Multitask /Prioritize

●Maintain confidentiality

●Enjoyment of People

EXPERIENCE

Remote Loan Processor December 2020 to Present

Community Loan Servicing/Lakeview Loan Servicing, Coral Gables, FL

Process FHA, VA, and Conventional loans managing pipeline size of 95 loans using Encompass. Complete customer welcome call

and needs list, prepare loan for underwriting, work with title companies to clear title issues, keep customers updated throughout

process, schedule closing with customers and title companies, and assist customers through the closing disclosure process.

Secondary Lock Desk Manager September 2018 to November 2020

River City Mortgage, Cincinnati, Ohio

Utilizing knowledge of FHA, VA, Conventional, and USDA guidelines register and lock all loans, run initial Automated

Underwriting System, and prepare initial Loan Estimate. Prepare change of circumstance Loan Estimates. Perform Quality control

checks for loans preparing for closing by checking changes in credit, debt, closing disclosure matches AUS, pricing checks,

fee/points check, verification of employment, underwriting conditions met, and disclosures met time frame guidelines.

Decision Certified Processor May 2016 to September 2018

Prime Lending, A Plains Capital Co, Moraine, Ohio

Certified to clear underwriting conditions thereby reducing time file is in processing enhancing customer service. Pre-underwrite

FHA, VA, Conventional, USDA, Jumbo, and Bond loans by analyzing customer credit, asset, employment, and income

Documentation to provide a clear accurate picture for underwriting.

Home Loan Processor October 2011 to May 2016

Wells Fargo Home Mortgage, Cincinnati, Ohio

Consistently in top 3 out of 17 processors for file quality and funded loans with a pipeline of 75 loans. Process loans utilizing

knowledge of government regulations, underwriting guidelines, policies and procedures for Conventional, FHA, VA, Jumbo, and

USDA loans. Assist HMC in the gathering of information and documents needed. Pre-underwrite file for submission to

underwriting and working directly with the underwriter to resolve any arising issues and prepare loans for closing. Frequently

communicate with loan customers and realtors to ensure a smooth loan process.

Office Manager/Loan Processor/Closer July 1995 to September 2000

Irwin Mortgage Corporation, Centerville, Ohio

Responsible for training processors and support staff. Pre-underwriting and processing of Conventional and Government loans.

Lock Rates, schedule closings, and prepare closing documents. Ship closed loans and follow-up of closed loan legal documents.

Request Checks from Corporate for operating expenses, order supplies, and assist branch manager where needed.

Sr Loan Processor/Underwriter/Closer August 1992 to July 1995

First Community Mortgage Corporation, Springfield, Missouri

Handled 50 loan pipeline. Worked with FHA, VA, and Conventional loans, processing, underwriting, and closing when needed.

Corresponded with 17 Investors, packaged loans to investor’s criteria, and worked with investor underwriters to approve loans.

Assist Loan officers in pre-qualifying borrowers. Monitor each investor’s program to find the best match for each client.

Communicated with real estate agents keeping them updated on loan status. Shipped closed loans and closed loan follow-up.

EDUCATION

Bachelor of Science Degree in Business Management March 1990

Wright State University, Dayton, Ohio GPA 3.75

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