Consumer Loan Operations Specialist
Resume:
DIONNE CLARK
CONTACT
Montgomery, New York
******.*********@*****.***
PROFILE
Seeking an opportunity to apply my existing skills and expertise while expanding my knowledge within the lending industry, Contributing to business success through continuous learning and professional growth.
KEY SKILLS
Income Calculation
Strong Communication
Managing multiple priorities
Credit Analyst
Adapts Quickly
Achieving Goals
Proficient in Loan Origination Software
Non-Qualified Mortgage
Asset depletion
Broker loans
Expert in FNMA, FHLMC, FHA, VA, USDA, and Reverse Mortgage guidelines.
Customer service
Documentation review
Regulatory Compliance
Time Management
Problem solving
Microsoft Office (Word, Excel, Outlook
CERTIFICATION
NYS Notary Officer
United States Marine Corp
EDUCATION
Attended University of Phoenix 2010-2013
Weequahic High School
1986
EXPERIENCE
CONSUMER LOAN UNDERWRITER
HUDSON VALLEY CREDIT UNION • OCTOBER 2024-PRESENT
POUGHKEEPSIE, NY
Analyze and Underwrite all Consumer Loan applications within approval limits and expected turn times
Decision consumer loan applications based on credit, income, Loan to value, Debt to income calculations.
Handle member and Dealer interactions via phone and email
Responsible for quality of loans Processed and Underwritten
Responsible for tracking and following up on documentation needed to finalize loans
Review, recommend and escalate exceptions to Underwriting Management as appropriate
Perform additional duties and special projects assigned.
Cross training in Consumer Loan Servicing.
PROCESSING MANAGER
HITCH INC. FEBRUARY 2024-OCTOBER 2024
NYC, NY
Responsible for testing and implementing a new operating system for Real Estate Loans.
Ensuring loan applications adhere to all relevant mortgage guidelines and regulations
Interview and hire new staff, while training new and incumbent staff
Point of contact for applicant escalations
Collaborating with loan officers, underwriters, and other departments to resolve any issues or discrepancies in the loan application process.
Expert in FHA, VA, Conventional, USDA, Reverse, Sonyma, State Grant programs. Ability to process loans in all states throughout our USA.
Helped transition of a small brokerage firm to a mortgage bank, coordinating training on local, state, and federal regulations as well as underwriting conditions to uphold quality and compliance.
Thrived in a family environment, collaborating closely with employees across the company to provide support, answer questions, resolve issues, and meet goals; maintained a positive workplace setting.
MORTGAGE PROCESSOR/LOAN SUPPORT ANAYLST
CROSSCOUNTRY MORTGAGE • JULY 2023-DECEMBER 2023 CLEVELAND, OH (REMOTE)
MORTGAGE PROCESSOR
BRIGHTON BANK • APRIL 2023-JULY 2023
BRIGHTON, TN (REMOTE)
MORTGAGE PROCESSOR
CONTOUR MORTGAGE • NOVEMBER 2016-MARCH 2020
GARDEN CITY, NY
MORTGAGE PROCESSOR
CROSSCOUNTRY MORTGAGE • MARCH 2020-MARCH 2023
MELVILLE, NY
Meticulous diligence to ensure accuracy in loan documentation.
Managing a high-volume pipeline of various loan types, property, programs.
Conducting a post-closing review to ensure any necessary closing documents are received and satisfactory.
Pipeline meetings in person and email to effectively communicate goals for loan closing each month.
Maintain detailed loan files, inputting data into loan origination systems and organizing documents according to company standards and regulatory requirements.
Collaborate with underwriters to clear any conditions provide necessary document and address any issues raised during the underwriting process.
Calculating W2, paystubs, 1099, personal tax returns, business returns (1120’s, 1065, K-1’s) asset financials for income analysis; rental income, mixed use properties.
Collaborating with loan officers, underwriters, and other departments to resolve any issues or discrepancies in the loan application process.
Maintain detailed loan files, inputting data into loan origination systems and organizing documents according to company standards and regulatory requirements.
Collaborating directly with buyers, realtors, Attorneys
Non-QM and broker experienced. HELOC’s, standalone, second mortgages. Down payment assistance programs
Pipeline meetings in person and email to effectively communicate goals for loan closing each month.
Maintain detailed loan files, inputting data into loan origination systems and organizing documents according to company standards and regulatory requirements.
Communicated with customers, loan agents, and other third parties involved in the mortgage loan transactions, relaying updates, answering questions, and resolving issues as needed.
Ordered appraisal reports, tax report verifications, and income and employment verifications, ensuring that all income, asset, and credit documentation was complete prior to submission to underwriting to secure rapid loan closures.
Monitored pipeline reports, enabling loans to advance through the system in a timely manner
Followed FNMA, QM, ATR, and investor guidelines to ensure loan compliance to industry standards
Managed a pipeline of 35 residential mortgage loans, communicating with attorneys, real estate agents, buyers, sellers, title companies, and builders to complete closings within deadlines
Coordinated regular one-on-one meetings with processors, providing training, coaching, and mentorship to develop competencies regarding various loans as well as client relations.
Successfully worked in a hybrid setting prior to COVID, utilizing time management and organization skills to excel both in the office and operating remotely.
Ran daily, weekly, and monthly accounting and operational reports for the department, providing actionable insights to management to inform data-driven decision-making
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