Loan Processor Mortgage

Consuela Osborne

**** ******* ***** **. *********, TX 76063 • **********@*****.*** • Mobile 817-***-****

Professional Summary: Detail-oriented professional with over 20+ years of experience in reviewing loan processes by monitoring loan status, term conformity, and regulatory guidelines.

Adept at building and maintaining relationships through networking and prospecting to generate company revenue. The ability to manage multiple projects while working under pressure in fast-paced environments.

CORE COMPETENCIES

• Detail-oriented

• Problem Solving

• Conventional Loan Processes

• New Process Implementation

• Critical Thinking

• FHA/VA Loan Processes

• Workflow planning

• Portfolio management

• Strong Interpersonal abilities

• Quality Assurance & Control

• Process underwriting

• Excellent Time management

PROFESSIONAL EXPERIENCE

Gateway First Bank Arlington, TX

Senior Mortgage Loan Processor September 2011- December 2022

Verified and completed financial information for client applications to comply with state and federal regulatory guidelines.

Compiled and reviewed client financial information and documents for compliance with underwriting guidelines.

Reviewed client financial information for accuracy and completeness of assets and liabilities

Interviewed potential clients and assisted them through the whole application process.

Obtained, verified, and compiled copies of loan applicants' credit histories, corporate financial statements, and other financial information.

Prepared appraisals, loan documents, and credit documents

Reviewed loan applications for accuracy and entered data in digital processing system

Fostered repeat business by providing high-quality customer service at all points

Premier Nationwide Lending Flower Mound, TX

Senior Mortgage Loan Processor July 2010- July 2011

Performed initial set-up of each mortgage loan application

Reviewed application and imputed loan information into mortgage loan system

Ordered property requirements such as credit reports, appraisals, title work, flood certifications, surveys etc.

Reviewed and ensuring that all loan- related requirements comply with lending requirements and investor guidelines

Contacted loan officers and loan prospects to answer questions, resolve discrepancies or obtain additional information

Submitted loans to automated underwriting for preliminary approval.

Reviewed and properly documented, submit loan application to underwriter for final loan approval.

Southwest Bank Mortgage Fort Worth, TX

Senior Mortgage Loan Processor June 2009 - July 2010

Processed Conventional, Jumbo, Construction-to Perm and Bank Loans

Submitted 20 plus loans monthly using Mortgage Builder Software

Ordered title work, surveys, appraisals, and insurance to complete the loan process.

Set- up closing packages for loan closing.

Suburban Mortgage Company, LTD Dallas, TX

Senior Mortgage Loan Processor September 2002- June 2009

Process all Conventional, FHA, VA, USDA loans from loan application setup to funding.

Submitted 15 plus loans monthly utilizing LP, DU and Clues to obtain pre-approval on loans and reduce the number of conditions prior to loan submission.

Ordered title work, surveys, appraisals, and insurance to complete the loan process.

Worked closely with buyers, builders, realtors, title companies and lenders to inform all parties of loan status.

Complied with all outstanding loan conditions needed prior to closing and funding while protecting the closing timeline and existing loan pipeline.

Help maintain loan compliance by working closely with third party Audit Company to ensure compliance was met.

EDUCATION

BS in Education Grambling State University 1997

Processes and maintains confidential compliance records in order to meet the requirements of various government regulations and company policies and procedures.

Receive, review and processing of fingerprint results daily for pre-employment and SIDA badge renewal

Send Criminal History Records Check (CHRC) letters for results; escalate results containing a record as appropriate for further review.

Receive fingerprint application forms and match with result to ensure audit readiness; conduct regular follow-up with Managers and Recruiters regarding missing applications.

Convert electronic fingerprint results to PDF format; utilize SharePoint and/or electronic storage to store files and maintain paper back-up to meet record retention obligations.

Maintain inventory logs of equipment

Conduct internal audits and necessary follow-up work to ensure audit preparedness.

Research and investigation of criminal records

Support to the Compliance Specialists in conducting regular program audits for background screenings, I-9 verifications, and USPS application processing

Performs a wide variety of office duties for one or more management/specialist personnel, includes but is not limited to typing, filing, ensuring telephone coverage, greeting and directing visitors, handling mail, and updating spreadsheets and manuals.

Prepares weekly, monthly, quarterly and annual reports from automated databases for internal audits.

Minimum Age: 18

High school diploma or GED equivalent

College degree and/or courses in Business Administration, Human Resources or other relevant areas

Previous experience with Compliance, or Human Resources experience is a plus

Working experience dealing with confidential and sensitive information

Familiarity with HRIS systems such as SAP, Success Factors,

Familiarity of SharePoint

Familiarity with regulatory terminology

Possess the legal right to work in the United States

Minimum of one (1) year of experience working in an administrative/clerical role in an office environment

Above average proficiency in Microsoft suite products such as Excel, Word, PowerPoint, and Outlook

Excellent organization and time management skills; a driven self-starter

Must be able to communicate effectively both verbally and in writing with candidates, employees, managers and other stakeholders

Must possess the ability to make sound decisions

Ability to build and maintain strong professional relationships across the business

Ability to interpret and explain complex legal and/or regulatory terminology

Ability to analyze and interpret large amounts of data

Ability to read, write, fluently speak and understand the English language

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