Mortgage Loan Processor
Resume:
Teresa Curlin
Dallas, TX, *****
Highly skilled and service-oriented professional with demonstrated success in managing documentation and submission process for residential mortgage loans. Proficient in analysing credit reports, income and asset documents. Adept at developing and implementing loan plans, client loan assessments and client credit analysis. Expert in addressing customer needs by offering the best financial options / plans. Instrumental in acting as main point of contact to borrower and mortgage loan officer/underwriter from origination through close of mortgage transaction.
Areas of Expertise
Fair Housing Regulations
Credit Analysis
Banking Procedures
Mortgage Loan Processing
Regulatory Compliance
Reports & Documentation
Inbound/Outbound Calls
Reinstatement Operations
Underwriting
Commercial Insurance
Professional Experience
Loan Processor Senior Loan Processor 2022 – Current
AutoNation, Accounting 6/2022-Current
Inbound calls and emails from lenders and customers to cancel vehicle warranties. Gather customer information to create cancel request then submit to processing. Request missing documents and provide status via phone and email as needed in cancellation process. Once approved provide the amount of the refund, check number, and date sent to customer or lender. Contact vendors for cancellations status and discrepancies. Create process tickets of cancel request and status. Work with different departments to provide status as well as dealership.
Work daily on Microsoft Office suite. Outlook for email. Teams for meeting and chats. Excel Spreadsheet to access process, lender and vendor information and procedures.
Dealer Central and CDK Operation systems.
Work with vendors to process GAP claims
Process cancellation of warranties due to Repossession.
Provide refund quotes on each warranty
Celebrity Home Loans, Remote Denver, CO 2/2015 – 4/2022
Close VA, conventional, and FHA mortgage loan applications. Carry out purchasing and refinancing to achieve desired objectives. Work in a team setting with loan officer, closers, and assistants to ensure seamless workflow. Communicate status of application via phone and email every three days. Determine income and update costs to make maximum use of allocated funds. Review initial application, address, pay stubs, credit report, and employment for accuracy. Follow DU approvals and then submit for underwriter approval. Carry out inbound and outbound calls, while complying with rules and regulations. Oversee pipeline on excel spreadsheet to maintain accurate documentation
Work daily on Microsoft Office suite. Outlook for email. Teams for meeting and chats. Excel to manage pipeline of applications.
Ordered third party required documents, including title, appraisal, income (pension, 401K, employment, P&L), subordination, Condos, COE, CAIVRS, FHA connection, HELOC, gift letter, employment verification, survey, and tax transcripts.
Review initial application, address, pay stubs, credit report, and employment for accuracy.
Education
Business Administration Dallas Baptist University, Dallas, TX
Computer Business Administration American Trade Institute, Dallas, TX
Technical Proficiencies
Microsoft Office Suite Windows 95 AS400 Cadence Escrow Encompass Portal LOS Dealer Central CDK Drive
Licenses & Certifications
Microsoft Office Certified Triad Certified
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