Chantell Lunford
Sr. Loan Officer
Jacksonville, FL 32208
***************@*****.***
Dedicated mortgage banking specialist providing quality care for ultimate customer satisfaction. Proven ability to establish and maintain excellent communication and relationships with clients. Dedicated to identifying customer needs and delivering effective solutions. Hardworking team player and willing to learn.
Authorized to work in the US for any employer
Work Experience
Lead General Clerk
TDech-Jacksonville, FL
November 2023 to December 2024
• Distributes and balances the workload among employees in accordance with established work flow or job specialization, assures timely accomplishment of the assigned workload, and assures that each employee has enough work to keep busy.
• Keeps in touch with the status and progress of work, and makes adjustments in accordance with established priorities, obtaining assistance from the supervisor on problems that may arise.
• Estimates and reports on expected time of completion of work and maintains records of work accomplishments and time expended and prepare production reports as requested.
• Instructs employees in specific tasks and job techniques and make available written instructions, reference materials and supplies.
• Gives on the job training to new employees in accordance with established procedures and practices Claims Administrator
Continental Staffing, Inc.-Jacksonville, FL
August 2022 to September 2023
• Monitor claim status and generate reports through database .
• Verify and update information needed on claims.
• Assist in customer claim submissions to ensure completeness and accuracy.
• Conduct weekly calls with customers to update and/or answer any questions they may have .
• Communicate with customers via phone and email to help gather missing details and support documentation.
Closer/Funder
Triad Financial Services-Jacksonville, FL
August 2021 to July 2022
• Timely and accurate data entry into loan tracking system
• Order flood and tax certs from 3rd party vendors
• Order new home appraisals
• Excellent organizational skills and attention to detail
• Strong communication skills, both written and verbal
• Ability to work independently and collaboratively with a team
• Proficient in Microsoft Office and loan tracking systems Loan Processor/Loan Originator
Seatrust Mortgage-Ponte Vedra Beach, FL
March 2019 to August 2021
• Receive mortgage applications and review all imputed information in Encompass to verify accuracy of the data to properly send initial and final disclosures to the applicant, order flood certifications and fraud guard reports
• Review files submitted to verify that all the required documentation needed has been supplied to submit the file to obtain an AUS approval and submit to the Underwriting Department
• Upon receipt of the file from underwriter whether suspended or approved, work closely to obtain and review all documentation received by applicants requested by the Underwriter
• Verify with third parties such as employers, banking institutions, credit bureaus, and any other sources to make sure all information provided is accurate
• Ensure all loan documentation is complete, accurate, verified, and complies with the company's policies as well as state and federal regulations before submission to the Underwriting team Sr. Loan Officer-Remote
Bank of England-Little Rock, AR
December 2016 to February 2019
• Helping clients navigate through loan application process and research loan options.
• Experienced with mortgage loan processing software such as Encompass.
• Knowledge of federal, state and local levels of loan processing laws and regulations and ability to communicate these laws in a non-technical and conversational manner to others.
• Excellent organizational and time management skills.
• Calculate and gather all supporting documents to verify income such as paystubs and tax returns.
• VOE by written request, work number or verbal over the phone.
• DU approval guidelines and communicating with loan processor requesting further needed documents upon conditional approval of files.
Customer Specialist I
ERC-Orange Park, FL
October 2014 to November 2016
• Third party representative for Wells Fargo Home Mortgage responsible for inbound call volume and cross selling.
• Daily handled support of enterprise goals to recapture mortgage portfolios and implementing purchase targets to meet the financial needs of our customers.
• Knowledgeable with escrow analysis, real estate taxes, mortgage insurance and payoff request. Mortgage Loan Specialist
Bank of America-Jacksonville, FL
December 2008 to September 2014
• Daily maintained and followed lending guidelines required by state, government, HUD, VA, GNMA and FNMA for possible foreclosure proceedings.
• Knowledge of bankruptcy and all fair housing lending practices.
• Communicated and followed up precisely with in house loss mitigations team for required document completion request.
• Post closing review and preparation of recording loan documents. Loan Document Specialist
Washington Mutual-Jacksonville, FL
June 2003 to October 2008
• Data entry 10 key punch for daily incoming mortgage documents received from subsidiaries.
• Mail handling and filing systems support.
• Knowledge of deeds, notes, surveys and title policies.
• Leadership training for onboarding team members. Mortgage Loan Funder
Homeside Lending-Jacksonville, FL
December 1999 to May 2003
• Funded mortgage loans using Quick Fund system.
• New loan set up and legal review.
• Responsible for reviewing appraisals and surveys.
• Reviewed required mortgage insurance certificates and property inspections. Document Control Clerk
BancBoston Mortgage-Jacksonville, FL
June 1992 to October 1999
• Prepared loan documents for microfilm and microfiche.
• Loan document retrieval using AS400/Kodak imaging camera and oracle file systems.
• Custodial liaison support and special project leadership training for departmental management.
• Mail handling for incoming subsidiary documents. Education
High school diploma
William M. Raines High School - Jacksonville, FL
Skills
• Microsoft Office (10+ years)
• Credit Analysis (6 years)
• Direct Underwriting (6 years)
• Mortgage Loan Originations (6 years)
• 10 Key Data Entry (10+ years)
• Post Closing (8 years)
• Loan servicing (10+ years)
• Customer service
• Social media management
• Restaurant experience
• Outside sales
• B2B sales
• Direct sales
• Management
• Supervising experience
• Business development
• Office management
• Analysis skills
• TILA
• Typing
Certifications and Licenses
NMLS 1574173
December 2016 to December 2024
Florida licensed residential mortgage loan originator. MLO Florida State Licensed
December 2016 to December 2024
Florida State Licensed and Safe Act Registered
Assessments
Work motivation — Proficient
January 2021
Level of motivation and discipline applied toward work Full results: Proficient
Data entry: Attention to detail — Completed
August 2021
Maintaining data integrity by detecting errors
Full results: Completed
Filing & organization — Proficient
July 2021
Arranging and managing information or materials using a set of rules Full results: Proficient
Indeed Assessments provides skills tests that are not indicative of a license or certification, or continued development in any professional field.
Additional Information
Self motivated individual with 20 plus years mortgage banking experience and 10 years light industrial. Team oriented role model for leadership training and problem solving skills.