Loan Servicing Processor

Belle Zappley

Spring Hill, FL 941-***-**** ************@*****.***

Education

University of North Dakota, Grand Forks ND

January 2025-Current

Masters in Forensic Psychology

Rutgers University, Camden NJ

September 2010- May 2014

Bachelors in Psychology and Childhood Studies

Accolades

GPA: 3.65; Dean’s List-Rutgers University

Finish above average in production and quality each quarter. -Medline Industries, PennyMac Loan Servicing

Continually submits the most Process Improvement Ideas for My Two Cents program- PennyMac Loan Servicing

Reliable for Proficiency in Microsoft Excel, Outlook, PowerPoint and Word. -McLane Company, PennyMac Loan Servicing

Current ‘Go To’ leader amongst my colleagues. -PennyMac Loan Servicing

Work Experience

PennyMac Loan Servicing, Tampa, FL

November 2020- Present

Mortgage Loan Processor III, Junior Underwriter

•Working daily in the loan structure queue, managing multiple loan files, where broker loan files are structured for underwriting.

•Analyze full credit package for any in errors. Validate date via credit package documents to the Encompass system to ensure accuracy and accordance with guidelines; specifically, AUS or manual underwriting.

•Verifies Fraud Sanction Lists for OFAC findings. Performs CAIVRS searches. Creates new VA LIN findings. Kentucky Loan Processor Certified.

•Strong knowledge of traditional wage, self-employment, and other various income calculations, tax returns, business P&L sheets, reading credit reports, identifying red flags.

•Strong knowledge of mortgage loan products (FHA/VA/CONV/USDA), both Fannie Mae and Freddie Mac policies, Non-Delegated and Delegated files, and knowledge of mortgage documentation, procedures, and processes.

•Trained and certified in Asset and Income training and using both Income Tool and Asset Tool.

•Completes Underwriting Condition review and requests and clears applicable conditions.

•Engaging in employee related groups to support company culture and improve morale. Participate and lead meetings to reach a consensus on processes and procedures. Trains colleagues and answers questions regarding loan program requirements. Discuss SLA reporting with managers and colleagues.

•Administers and sends Initial Loan Disclosures.

•Maintain regular communication with brokers, account executives and pipeline managers to provide updates on the status of applications and address any outstanding issues or requirements. Appropriately discerns business regulation risks.

•Continually developing my skills for professional growth. Gain familiarity with industry rules and regulations in the ever-changing mortgage industry.

McLane Company, Inc., Carney's Point, NJ

October 2019-November 2020

Administrative Assistant

Working in Operations department and maintaining a welcoming, professional atmosphere. Responds to the needs of associates with immediacy. Answer inbound customer phone calls. Directs prospective employees and customers to appropriate personnel.

Responsible for accuracy and timeliness of assigned work. Compile and audit payroll data such as garnishments, financial reports, vacation time, insurance deductions, and all other required withholdings. Strong knowledge of payroll processing and payroll tax regulations. Experience with payroll software and HRIS systems to ensure accuracy of timesheets for submission of payroll. Review and enter paid time off policies into payroll database.

Ensure new hire paperwork is entered into payroll database accurately.

Escalates issues with supervisors. Distribute email, correspondence memos, letters, and forms.

Create daily scheduled reports. Develop and maintain a filing system.

Support special projects. Plan meetings. Develop and maintain a filing system. Update office policies and procedures. Order office supplies and research new deals and suppliers. Maintain contact lists for office personnel.

Medline Industries, Westampton, NJ

May 2018 - October 2019

Receiver, Warehouse Operator

Responsible for the receipt of inbound medical supplies utilizing SOP and WMS. Unloads trucks and palletizes freight at the receiving dock. Sort inbound shipments by courier and document ID.

Reviews paperwork against physical items received to verify all items are present. Strong attention to detail and accuracy.

Stage medical supplies in designated sections in various warehouse sections, using user certified operating equipment including the Order Picker, Dock Stocker and Clamp. Maintains the safety and functionality of said operating equipment.

Identifies shipping warehouses, determine shipping document and/or troubleshoots shipments for unidentified or wrong items as they are received into Product Central. Alerts leader of any discrepancies.

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