**/****

Interior Design/Architecture/Sales

Dakota County Technical College

Rosemount, MN

**/****

Diploma:

Apple Valley High School

Apple Valley, MN

adzo1f@r.postjobfree.com

612-***-****

Lakeville, MN 55044

Skills

• Application Preparation

• Reviewing Financial Paperwork

• Processing Documents

• Information Verification

• Generating Reports

• Appraisals

• Mortgage Closing Scheduling

Regulatory Compliance

Documentation

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• Lending Software Systems

• Property Insurance Arrangement

• Tax Receipts

• Desktop Underwriter

• Government Lending

• Customer Service

Education And Training

Over 24 years of Mortgage experience. Proficient in Microsoft Office, Encompass, Calyx, Doc Magic, Fannie Mae and Freddie Mac Underwriting Tools, a strong planner and problem solver who readily adapts to change. Work independently and exceed expectations, excellent communication skills and a motivated team player. Able to juggle multiple priorities and meet tight deadlines without compromising quality or client satisfaction.

Bell Bank - Mortgage Processor

Minneapolis, MN

06/2017 - 07/2023

Merchants Bank - Mortgage Coordinating Supervisor

Rosemount, MN

03/2013 - 04/2017

Stacy K. Caylor

Summary

Experience

• Assisted Loan Officers to complete the loan process

• Experience in Conventional, FHA, MHFA, VA and Construction Loans Communicated with customers through the loan process, educating them and help solve any issues

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Remained calm and professional in stressful circumstances and effectively diffused tense situations.

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• Processed for a team of high volume Originators

Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.

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• Managed conditions sent from underwriting departments.

• Manage a team of 12 Loan Processors (Rosemount and Winona)

• Assisted in the conversion from Dexma to Calyx

Helped set up Calyx and train staff company wide, from Processors to Originators and other departments using Calyx

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Hire and train new Processors and Lenders/Originators for the both Twin Cities region and Winona region

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Train new Lenders/Originators to better understand best practices and the loan process through Mortgage Operations

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Created (and Maintain) a Training Manual for new Coordinators to assist them in processing a file from beginning to end (for both Retail and Correspondent)

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• Work closely with Compliance and QA to ensure files are compliant Created a Full Document Processing department with our Correspondent department, to help grow business for our Correspondent division

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Working with the management team to build an efficient work flow for the transition to Encompass for all departments in Mortgage Operations

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• Completed Leadership Training at St. Mary's

United Residential Mortgage - Loan Processor

Rosemount, MN

03/2011 - 02/2013

Boom Brothers Commercial Capital - Project Coordinator/Office Manager Bloomington, MN

01/2008 - 01/2011

Timberland Mortgage - Loan Coordinator

Apple Valley, MN

11/1997 - 01/2008

References Available by request

• Process for six Mortgage Originators with high volume Performed Processing – Pre-closing and post-closing duties for In-House and Brokered loans in the following: Conventional, FHA, VA, and DPAP

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• Worked with originators with little experience to several years experience

• Able to rework turndown files so they are approved

• URM (continued)

• Knowledgeable of new compliance rules

• High Initial Submission full approval rate

• Excellent understanding of Underwriters requirements

• Prepared Closing Docs

• Assigned to be Team Lead after being there only a short time

• Assisting Financial Specialist in tasks needed to submit projects

• Commercial Construction, Bank Guarantees, PPP, Bank Instruments

• Executive support

• Meeting coordination and event planning

• Accounts payable and receivable (QuickBooks)

• Office management

• Reports/Records management

• Scheduling

• Travel coordination

• Website management

My responsibilities included: Preparing loan packages for underwriting

(Conventional, Sub-prime, FHA, VA, Rural Development, MHFA) using Calyx Point

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Submit file through Automated Underwriting systems (DO, DU, LP) and cleared underwriting conditions

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• Created closing packages for final close at the title company using Doc Magic Once the loan was closed and ready for purchase, cleared investor (post close) conditions

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• Assisted the Rate Lock department

• Assist in the approval of Third Party Originators.

• Loan Officer until 2002

References

Contact this candidate