Customer Service Rep
Resume:
Elaine Conner
Sr. Loan Processor
Houston, TX ***90
******@*****.***
To obtain a position with a company who will allow me to utilize my experience and knowledge in finance as a loan processor, loan servicer or conceigers/ help desk representative. Work Experience
Concierge/Sr. Loan Processor
Sente Mortgage - Austin, TX
March 2020 to November 2022
Loan Processing duties similar to that of prior positions with the use of the Encompass servicing system.
• Adaptable and able to transition between positions.
• Fast learner and diligent in progressing to become proficient with all new tasks while maintaining a strong level of professionalism.
Sr. Loan Processor
Benchmark Mortgage - Houston, TX
November 2015 to March 2020
Review the loan for program accuracy once submitted to processing by Loan Officer or Loan Officer Assistant
• Review file for all applicable documentation needed for proper Underwriting Review to ensure loan approval. Builder and Brokered files.
• Provide conditional/loan approval to borrower with detail explanation on items needed.
• Maintain constant contact with borrower for any questions or concerns with regards to items needed for file through Clear to Close.
• Work closely with Loan Officers, Underwriters, Managers, Closers, Title Companies, and Realtors on all loan files as needed.
Loan Processor
CMG Mortgage - The Woodlands, TX
March 2015 to October 2015
• Worked in a fast-paced environment that specialized in 21 day closings.
• Evaluated loan files for accuracy, consistency, and information that was viable for mortgage loan approval before proceeding to underwriting.
• Worked collectively with all parties of the loan transaction to ensure a smooth loan process and closing.
Regional Loan Processor
DHI Mortgage - Conroe, TX
May 2013 to February 2015
• Processed Conventional, USDA, VA, FHA, and Grant Loan programs according to regulations and guidelines. Builder Loans.
• Maintained a pipeline of 30-45 loans and closing on average of 12-15 within a month
• Managed a daily report for loan quality, timeliness, and overall productivity.
• Provided insight and suggestions to others within the office on loan processes and procedures.
• Providing exceptional customer service as well as maintaining accuracy for quality control. Mortgage Servicing/Customer Service Rep
Cascade Financial Services - Houston, TX
November 2011 to December 2012
• To provide exceptional customer service and customer satisfaction on all loan files.
• Reviewed tax and insurance accounts for accuracy and paid bills when due.
• Communication with borrowers/ clients regularly to insure accuracy for existing accounts.
• Managed Fannie Mae/FHA financed homes with property escrow account information
• Enforced strict timelines and regulations established by HUD to ensure efficiency, accuracy, and effectiveness on all property files. Loan Assistant/Processor
Fast Homes & Loans - Spring, TX
July 2008 to November 2011
Duties Similar to that of last position
Mortgage Loan Processor
SunStone Mortgage - Houston, TX
August 2005 to June 2008
• Managed a small team of Processors and LO Assistants to ensure efficiency and easy work flow.
• Shopped loans through various lenders in order to find the most beneficial program for client. Broker files.
• Processed residential, commercial, and raw land purchases. Broker deals.
• Reviewed automated underwriting decisions and pre-qualification guidelines for client approval.
• Requested verifications of rental/mortgage history, employment, Insurance, and VOD's for loan files. Education
Attendee of University of Phoenix in Finance
Houston, TX
2010 to 2013
Associates of Art in Mortgage Lending
Houston Community College
2005 to 2008
Skills
• 45 WPM (10+ years)
• EXCELLENT COMMUNICATION SKILLS (10+ years)
• MICROSOFT OFFICE (10+ years)
• MS OFFICE (10+ years)
• TEN-KEY (10+ years)
• Mortgage Loan (10+ years)
• FHA/VA/USDA/CONVENTIONAL LOANS (10+ years)
• Encompass (7 years)
• Customer Service (10+ years)
• Mortgage Servicing (2 years)
Additional Information
● Knowledgeable and familiar with TRID rules and regulations
● Able to work and communicate directly and diligently with customers, loan officers, and/or Broker to complete and finalize file from prequalification to underwriting then on to closing.
● Ability to run loans using DU/LP systems for qualification and loan approval.
● Able to verify client's employment, deposits, and rental/mortgage history.
● Gathering insurance, surveys, and appraisals for loans.
● Managed date and reports for information pertaining to daily business. SKILLS:
● Ethical and Loyal individual experienced in working persistently with companies, customers, in borrower/client transactions.
● Excellent communication skills: Written & Verbal
● Experienced in Compass, Enpower, Encompass & Calyx/Point software, as well as knowledge in Microsoft Office software and the Internet.
● Typing speed of 40-45 wpm
● 8,600 kmp (ten-key by touch)
● Fax, Copier, and Printer use knowledge.
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