Kathy Sheffer

Gurnee, IL ***** 847-***-**** Home phone 224-***-****- Cell adwzww@r.postjobfree.com

Summary of Qualifications

Financial Services Professional with over 16 years’ experience

Detail oriented team player

Strong customer service skills

Excellent analytical and problem solving aptitude for evaluating complex loan applications in a fast paced multi -tasking business

Positive collaborative attitude and flexible demeanor to facilitate excellent working relationships with all involved in the loan process

Excellent pipeline management and organizational skills facilitates 30 + loan closings per month

Proficiency with Microsoft Office: Word, Excel, PowerPoint, and Outlook Professional Experience

First Midwest Bank/Old National Bank

Mortgage Loan Processor specializing in Construction/Permanent Loans March 2020 to February 2023

Processed Construction/ Permanent, FHA, VA, Conventional, and Jumbo loans

Reviewed loan applications, contracts, insurance, and supporting documentation from borrowers, real estate agents, insurance agents, title companies, and attorneys

Ordered flood certs, appraisals, title, payoffs, subordination agreements, releases, hold harmless agreements, condominium questionnaires, and any internal documentation required for a particular loan

Requested customer documentation not collected at loan application via letter, phone calls, and email

Delivered conditional approvals and cleared to close commitment letters

Set up and coordinated closings

Followed up on funded loans to get any missing documentation missed at closing Associated Bank, Glenview, IL

Mortgage Origination Assistant specializing in Construction/Permanent Mortgages 2018- 2020

Entered Mortgage Application into Loan Origination system from documents submitted by borrowers

Upload documents to Loan Origination system

Classify and name documents according to strict classification system

Identify documentation needed for specifics loans and communicate to borrower

Coordinate with Loan Processing, Underwriting, and Closing departments for timely closing of loans

Evaluated Contractors sworn statements, Construction contracts, Plan and Specs, and Appraisals for discrepancies

Locked Loans

PHH Mortgage Corporation, Bannockburn IL (Contracting with Morgan Stanley) Mortgage Hybrid Underwriter

2013-2018

Reviewed loan applications and documentation to ensure completeness and accuracy

Identified loans not meeting guidelines and worked through alternatives

Evaluated asset, income, credit, and property information of a complicated nature for high income individuals involving multiple corporations, partnerships, trusts, and asset based compensation

Decision and cleared conditions that were delegated to PHH underwriter authority Education

College of Lake County

Completed courses in Real Estate Sales, Finance, and Management

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