Loan Processor
Resume:
Accomplishments:
NMLS Licensed
Processor of The Year
Recipient 3 years in a
row.
Loan Origination
LO Assistant
Loan Processor
Office Management
Team Leader
Professional Skills:
● Encompass
360
● FHA
Connection
● VA Portal
● GUS
● Fannie &
Freddie
● Day1 Certainty
● Microsoft
Office
● G Suites
● Data Analytics
Key Skills:
● Self-Starter
● Independent
learning
● Organization &
Attention to Detail
● Credit & Income
Analysis
● Asset Analysis
Staci A Wright
1945 Lakeshore Overlook Cir ■ Kennesaw, GA ■ 404-***-**** ******.*.*****@*****.***
Profile
Business professional backed with 10+ years experience within the retail mortgage platform. Hands on experience with FHA, VA, USDA, Conventional Loan Products. Well versed with All Regs, DU, LP, 1Day Certainty, and FHA Handbook.
Experience
BMTX, INC (Formerly BankMobile)
June 2021 - March 2022 Sr. Fraud Analyst
● Detail oriented, focused on organizational and time management skills.
● Able to work independently and handle multiple priorities under pressure of deadlines and time restraints.
● Promotes teamwork within the department and other departments.
● Attention to detail and accuracy.
● Excellent customer service with strong verbal and written communication skills.
● Provides excellent customer service and customer related problems quickly.
● From application through initial processor review, review 1003 for accuracy.
● Order verifications, appraisals, title, automated underwriting submission,
● Per findings request initial documents from borrower
● Review all submission documents request for accuracies or discrepancies
CBC National Bank (First Federal) Atlanta, Ga (Hybird) Transition Loan Processor 10/2020 - 09/2023
● Work directly with the borrowers, loan officers, underwriting, title, closing, and vendors to satisfy outstanding loan conditions in an expeditious manner.
● Communicate with all parties as appropriate at each stage of the loan process.
● Clearly explain needs list items and loan conditions to borrowers, LOA, and Loan officers so they can understand.
● Submit clean ready to Close file to underwriting.
● Coordinate CD with closing department, closing agents, and borrowers.
● Able to quickly calculate Income for various types of borrowers, including self-employed with complex tax returns
Amerisave Home - Atlanta, Ga (Remote)
April 2020 - October 2020 Loan Administrator
● Reviews file when received and orders or oversees the ordering of all appropriate documents including credit report updates, title work, appraisal, final inspections, hazard insurance, flood certification and flood insurance, if required.
● Ensures that all hazard insurance and flood insurance meet investor and regulatory requirements prior to the loan closing.
● Ensures accuracy by reviewing and analyzing all aspects of the mortgage credit package including but not limited to: accuracy of file input, timely delivery of required application disclosures, title policy, assets and asset documentation, income figures and income documentation including personal and corporate tax returns, credit report/credit documentation and appraisal review.
● Successfully documents mortgage loan file within LOS processing system as required. Required tracking fields if any are to be completed prior to submission to underwriting.
● Ensures legal/regulatory procedures are followed and compliance practices meet all federal and state standards.
Crescent Home Mortgage - Atlanta, GA
January 2020 - April 2020 Remote Loan Processor
● Collects all stipulations from automated loan approval and Underwriters' request through final approval.
● Prepared, validated, communicated, and delivery of any and all loan disclosures, including loan estimate, and closing disclosure.
● Coordinate the borrowers’ closing appointment by providing loan documents to the closing agent as well as facilitating changes to final required documents for wire disbursement.
● Ensures the performance of all duties are in accordance with the company’s policies, procedures and all U.S. state and federal laws and regulations where the company operates
● Acts as the primary liaison between Sales, Title, Escrow, Funding and BorrowersManage a pipeline of loans (50+) 81% pass through FGMC d/b/a Good Mortgage – Plano, TX
November 2018 - January 2020 Sr. Loan Processor/Team Lead
● Ability to run appropriate AUS on each file, verify and validate AUS findings and document file accordingly.
● Able to interface effectively and professionally with applicants/borrowers, realtors, builders, appraisers, title companies and others to insure efficient and timely workflow and perform related duties as required.
● Provide quality customer service by answering questions for external and internal customers in a timely and professional manner.
● Prepares a complete and concise loan file with timely submission to underwriting and closing in order to meet scheduled contract or other predetermined deadlines.
● Ensures that all conditions have or will be met prior to providing the file to the closing department for preparation of closing documents. First Guaranty Mortgage Corporation – Frederick, MD November 2013 –March 2018 Sr. Loan Processor/Team Lead
● Deliver high quality service while navigating clients through the mortgage process. (loan application through closing day).
● Hands on management with customer, credit vendor, title/escrow, real estate agents, underwriter, funders, notaries, Appraisal management vendors.
● Facilitate mortgage refinances and purchases from origination to funding with the ability to successfully articulate all facets of the loan transaction to the customer.
● Comprehensive financial analysis of income, tax returns (personal
& business), appraisals, payoffs, credit (debts, judgments, liabilities), legal documents.
● Complete initial loan approval and create closing document packages for each loan program.
● Assignment to the escalation team to resolve escalated files for my peers.
● Track personal and team projections for company goals.
● Team/Processing Lead of 10 processors.
● Compile and deliver training material for new hires in other branch offices, including technical software instruction.
● Utilize and apply accurate knowledge of loan guidelines and investor overlays in regards to credit, LTV, DTI and required file documentation for FHA 203K Limited and Standard, FHA, VA and Conventional purchase and refinance programs
● Maintain pipeline of 75 loans, initial contact on all new loans same business day, with 50% of all loans pre-qualified same business day (if received before 12:00 PM)
● Monthly average 55 closed loans (73% pass through)
● Assisted on company panel for credit exceptions, credit policy and escalation response
● Performed as Junior Underwriter
● Build and maintain relationships with loan originators, their referral sources, and their borrowers. Referral base of 20+ agents, past borrowers.
References available upon request
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