Loan Processor Customer Service

Charise Gholston

OBJECTIVE

To secure a challenging position in the mortgage industry within an organization offering opportunities for growth and advancement. Use my ability to develop and implement administrative procedures to increase productivity and efficiency; cope well under pressure within a fast-paced environment. Adept at cultivating, analytical, interpersonal, written and oral communication skills. Detail minded with intense organizational and follow through skills. SKILLS

Mortgage Banking, DU/LP Automated and Manuel Underwriting Systems, Microsoft Word, Default Mortgage, Power Point, LSAMS, AS400, Cadence ELC, Encompass, Outlook, Bankruptcy, KYC Monarch, Lexis Nexis, and SQL, RESPA, HUD-1, GFE, HMDA, Compliance PROFESSIONAL EXPERIENCE

Home Point Financial Irving, TX December 2019-Current Closer/Funder

• Manages pipeline of loans to ensure service standards and financial goals are met. Reviews files for accuracy and clears closing conditions.

• Prepares closing package. Ensures loans are in accordance with federal and state regulations such as, but not limited to, RESPA, HMDA, and Fair Lending Practices

• Approves and emails final CD to title company. Communicates with Title Company on final documents.

• Schedules closing Requests and reviews funding requirements from lenders and/or investors. Initiates wire amount through bank wire system.

• Updates loan information on ENCOMPASS as needed.

• Communicate with borrowers and team members as well as outside entities to facilitate a prompt, efficient closing of each loan.

• Follows up and obtains initial full loan package from Title Company. Delivers funded loan packages to Post Closing. Planet Homelending Coppell, TX April 2018 –December 2019 Mortgage Loan Processor

● Request, review and verify all loan documents such as income, credit, appraisal and title insurance, to ensure complete and accurate information is in the file before it is sent to Underwriting.

● Obtain verification of deposit, verification of the employment, credit report.

● Prioritize and monitor daily workflow in order to ensure all loans are being worked on in accordance with company’s timeline expectations.

● Maintain constant communication with customers on status updates and/or changes to the loan.

● Coordinate loan closing with customers, title companies, and loan agents.

● Ensure any necessary and critical changes which require re-disclosures have been accurately notated and checked in the loan origination system for compliance purposes.

● Resolve any customer service issues or Demonstrate advanced product knowledge of FHA, VA, Conventional and other loan programs such as Home Equity lines of Credit, 2nd Mortgages, Home Improvement, down payment assistance and bond programs.

● Demonstrate working knowledge of federal and state guidelines, rules and regulations, such as RESPA, TILA, HMDA, etc. Vendor Resource Carrollton, TX December 2009 – February 2018 Senior Closing Specialist

● Accurately review and approve Closing Disclosure, at to also meet schedule closing dates for Freddie Mac.

● Assure that Freddie Mac procedures are adhered during the entire process.

● Review and clear loan closing documents prior to funding.

● Review and approve RD (FmHA) conditions prior to funding.

● Generate funding notices and purchase and refinance exceptions daily.

● Follow up with the customer to schedule closing and funds needed. Cell: 469-***-****

Email: *****.********@*****.***

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