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Mortgage Loan Customer Service

Roswell, GA
September 21, 2023

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Ali Fields

Roswell, GA *****


Dedicated and results-driven Mortgage Loan Processor with a proven track record of efficiently managing end-to-end mortgage application processes. Expertise in handling high volumes of loan files while ensuring precision and compliance. Skilled in collaboration with loan officers, underwriters, and clients to facilitate smooth and successful loan closings. Recognized for exceptional customer service, meticulous attention to detail, and the ability to excel under tight deadlines. Work Experience

MSP Structured Loan Processor

Arvest Bank - Little Rock, AR

April 2023 to Present

• Conduct thorough review and analysis of loan files, ensuring accuracy and completeness of documentation required for Successor in interest requests, Death Certificates, Simple Assumptions, Release of Liability Assumptions, Partial Releases and Recast loans.

• Accurately process loan transactions in accordance with company policies, industry regulations, and investor guidelines. This includes generating and verifying necessary documentation.

• Ensure that all loan transactions adhere to regulatory requirements, investor guidelines, and internal policies. Stay updated on industry changes and incorporate them into processing procedures.

• Collaborate effectively with internal teams, borrowers, investors, and other stakeholders to coordinate and facilitate the assumption and recast processes. Serve as a point of contact for inquiries related to structured loan transactions.

• Perform quality control checks to identify and rectify errors or discrepancies in loan documentation and processing, maintaining the integrity of loan data.

• Meet or exceed established processing timelines and service level agreements, ensuring efficient and prompt handling of loan transactions.

• Maintain organized and up-to-date loan files and records, ensuring accessibility and compliance with record-keeping requirements.

• Identify and address any issues or challenges that may arise during the processing of structured loans, finding effective solutions to ensure successful transactions. Mortgage Loan Processor

Silverton Mortgage - Knoxville, TN

September 2021 to April 2023

• Collaborated with loan officers and underwriters for accurate and timely mortgage processing.

• Verified borrower information including income, credit reports, employment history, appraisals, and title insurance.

• Prepared comprehensive loan applications adhering to company policies and lending-program requirements.

• Consistently processed an average of 25 - 30 loan files per month, exceeding industry turnaround time benchmarks.

• Achieved 10% increase in referrals through expedited service, contributing to high customer satisfaction.

• Successfully managed challenging loan applications, including self-employed applicants and those with credit challenges.

• Employed Encompass to efficiently track and manage loan processing activities. Sr. Loan Processor

First Guaranty Mortgage Corporation - Plano, TX

December 2020 to September 2021

• Managed end-to-end processing of mortgage loan applications, ensuring accuracy, compliance, and timely completion.

• Acted as a subject-matter expert, providing guidance and training to junior team members to enhance efficiency and performance.

• Collaborated closely with loan officers and underwriters to facilitate smooth communication and address complex loan scenarios.

• Reviewed and enforced updated credit policies, investor-related requirements, and compliance standards.

• Conducted pre-underwriting reviews, obtaining necessary documents and ensuring adherence to conditions.

• Developed and maintained strong relationships with clients and brokers, ensuring clear communication and seamless transactions.

• Utilized Encompass to streamline and manage loan pipeline and activities, contributing to improved workflow efficiency.

Sr. Mortgage Loan Processor

SouthPoint Financial Services - Alpharetta, GA

February 2017 to December 2020

• Evaluated loan applications, assisting clients in choosing appropriate mortgage options.

• Gathered and verified client data, including assets, debts, and references.

• Liaised between loan officers, underwriters, and clients, ensuring smooth communication and workflow.

• Ensured accuracy and completeness of loan documentation prior to submission.

• Worked with Encompass to manage and track loan processing activities. Payment Processing Specialist

Homebridge Financial Services - Mamaroneck, NY

September 2013 to January 2017

• Managed cash transactions with accuracy, ensuring precise recording and balancing of financial transactions.

• Provided exceptional customer service by promptly addressing inquiries and resolving issues related to financial transactions.

• Processed payments, deposits, and withdrawals efficiently, maintaining a high level of accuracy and compliance.

• Collaborated with internal teams to reconcile discrepancies and ensure accurate financial records.

• Utilized financial software and systems to process transactions and maintain organized financial documentation.

• Assisted in training new cashiers, ensuring they understood company policies and procedures.

• Upheld confidentiality and security measures to protect sensitive financial information.

• Consistently demonstrated a positive and professional demeanor, fostering a welcoming environment for customers.

Sr. Mortgage Loan Processor/Post Closing Lead

Guaranteed Home Mortgage Company - White Plains, NY September 2011 to August 2013

• Prepared commitment, denial letters, and application cancellations as needed.

• Coordinated with title companies to facilitate efficient closings.

• Reviewed borrower files for regulatory compliance and internal policy adherence.

• Assisted in the mortgage loan closing process, ensuring compliance, completeness, and accuracy of loan documents.

• Collaborated with loan originators, borrowers, lenders, and underwriters.

• Managed the ordering of credit, appraisal, and title reports, liaising with third parties.

• Directed post-closing operations to ensure compliance, accuracy, and completeness of mortgage loan documents.

• Managed a team responsible for preparing commitment, denial letters, and application cancellations as required.

• Coordinated efficiently with title companies, streamlining the closing process and ensuring timely completion.

• Reviewed borrower files for regulatory compliance and adherence to internal policies.

• Facilitated the mortgage loan closing process, ensuring documents' accuracy, completeness, and compliance.

• Collaborated closely with loan originators, borrowers, lenders, and underwriters to address any post- closing issues.

• Successfully maintained the ordering of credit, appraisal, and title reports, liaising with third-party providers.

• Utilized Encompass to effectively manage post-closing and processing activities, contributing to process efficiency and accuracy.

Mortgage Loan Processor

DML Mortgage - Peekskill, NY

July 2009 to September 2011

• Maintained loan documentation from pre-approval through closing.

• Verified borrowers' financial data for accuracy before underwriting submission.

• Ensured efficient loan processing through accurate compilation of borrower information.

• Coordinated with title companies for seamless closings and upheld regulatory compliance.

• Utilized Encompass to facilitate loan processing tasks. Mortgage Loan Processing Manager/Loan Originator

Homebuyers Source - Mamaroneck, NY

September 2004 to July 2009

• Managed and led a team of 10-15 Junior Processors and Processors to ensure efficient and compliant loan processing operations.

• Provided mentorship, motivation, and recognition to team members, resulting in improved production and quality performance.

• Set and maintained production and quality expectations, consistently meeting licensing and compliance requirements.

• Led regular team meetings, offering subject-matter expertise, process enhancements, and problem- solving solutions.

• Collaborated with loan originators, borrowers, lenders, and underwriters to ensure seamless loan processing.

• Assisted in resolving processing issues and customer escalations, maintaining high customer satisfaction.

• Utilized Calyx Point to manage loan processing activities, contributing to streamlined operations.

• Leveraged strong leadership skills to foster a collaborative and productive team environment. Education

College in Business Management

Mercy College - New York, NY

September 2000 to June 2003


• Mortgage Loan Processing

• Compliance & Regulations

• Customer service

• Team Collaboration

• Problem Solving

• Process Improvement

• Leadership & Supervision

• Communication

• Deadline Management

• Technology Proficiency

• FHA, Conventional, VA & USDA Loans

• Fair Housing Regulations

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