Loan Processor Mortgage

TRACEY A. WILLIAMS

Hempstead, NY **** 516-***-**** ************@*****.***

MORTGAGE LOAN PROCESSOR CLIENT ADVOCATE

Accomplished Mortgage Loan Processor and Client Advocate with over 20 years of experience spanning underwriting, loan processing, financial analysis, and regulatory compliance, with a proven track record of efficiently managing and processing mortgage applications from initiation to closing. Offers expertise in FNMA/FHLMC, FHA, VA, and USDA loan processes and is responsible for achieving a remarkable 98% accuracy rate in application processing, minimizing errors, and ensuring a seamless experience for clients. Expertise in utilizing advanced loan management systems such as Oscar, Eclipse, Encompass, and Blend to streamline workflows and ensure accurate documentation. Proven ability to navigate complex loan scenarios and collaborate effectively with diverse stakeholders to facilitate successful closings. Proactive professional committed to guiding teams through regulatory changes by staying abreast of industry updates with a commitment to delivering exceptional client service and supporting the timely and accurate processing of mortgage applications from initiation through funding. AREA OF EXPERTISE

Client Relationship Mortgage Underwriting Loan Processing Team Leadership Financial Analysis Organization Communication Risk Assessment Income Verification Regulatory Compliance Customer Service Oscar Eclipse Encompass Blend Complex Problem Solving Flexibility Cross-functional Collaboration Excellent Communication Skills PROFESSIONAL HISTORY

Freedom Mortgage May 2024 – Present

Client Advocate

● Addresses inbound client calls and emails with professionalism, ensuring accurate responses and resolving issues promptly, increasing client retention rates.

● Maintains consistent communication with clients through outbound calls, offering proactive support and guidance during critical stages of the loan process, reducing client escalations. Selected Career Benchmark

● Resolves client inquiries with 100% adherence to service standards, ensuring seamless communication via phone and email, improving client satisfaction and strengthening trust throughout the loan creation to funding process.

● Manages client interactions by providing timely status updates, resolving concerns efficiently, and collaborating with internal SMEs to deliver accurate solutions, fostering stronger client-business relationships.

● Delivers outstanding client service by documenting all client interactions, ensuring cross-departmental awareness and streamlining communication to enhance overall support efficiency. Cliffco Mortgage Uniondale NY Apr. 2023 – Aug. 2023 Sr. Mortgage Processor

● Coordinated with stakeholders, ensuring timely processing and closing of loans by effectively conveying complex information.

● Reduced processing time by implementing automation for verifying borrower information, financial documents, and property details

Selected Career Benchmark

● Managed and processed mortgage applications with 98% accuracy utilizing advanced loan management software for efficient tracking and minimizing errors in the application process.

● Leveraged interpersonal skills to foster communication among borrowers, underwriters, and loan officers, building positive relationships.

● Guided the team through regulatory changes without disruptions, staying updated through training programs, adapting procedures to industry changes, and ensuring regulatory compliance. Citizens Bank Melville, NY Jun. 2013 – Feb. 2023 Lead Mortgage Processor

● Spearheaded a high-performing mortgage processing team, achieving seamless workflow and impeccable regulatory compliance, resulting in zero penalties throughout my leadership.

● Implemented cutting-edge software solutions to streamline the mortgage processing pipeline, significantly reducing processing time and contributing to a notable decrease in turnaround time. Selected Career Benchmark

● Orchestrated the training and development of a proficient mortgage processing team, equipping them with up-to-date knowledge of regulations and processing software, ultimately elevating team efficiency and expertise.

● Exhibited strong problem-solving prowess by collaborating with underwriters, loan officers, and stakeholders, resolving intricate issues promptly and expediting the loan approval process effectively.

● Established robust communication channels with internal departments, ensuring transparent and timely communication throughout the loan processing period, leading to a remarkable reduction in application errors and rejections. JPMorgan Chase Garden City, NY Feb. 2008 – Jun. 2013 Sr. Mortgage Processor

● Conducted thorough credit analysis for newly originated residential loans, meticulously evaluating applicant profiles, property types, and financial risk factors.

● Reviewed loan application packages for completeness and accuracy, ensuring seamless processing of financial documentation, which reduced processing time.

● Validated supporting income, assets, and liability documentation, bolstering the foundation for automated underwriting decisions and improving overall team efficiency.

Selected Career Benchmark

● Structured transactions that reduced error rates through keen attention to risk mitigation, addressing loan conditions, scrutinizing title reports, and identifying potential fraud in a comprehensive risk management approach.

● Spearheaded the mortgage application process from initiation to closing, ensuring compliance with industry regulations and company policies by implementing streamlined document collection and verification procedures. Also Excelled As

Junior Underwriter/Senior Loan Processor Washington Mutual, Lake Success NY Sep. 2007 – Feb. 2008 Underwriter American Brokers Conduit, Kennesaw GA May 2005 – Aug. 2007 Junior Underwriter/Senior Loan Processor Washington Mutual, East Point GA Apr. 2002 – Jun. 2006 Mortgage Loan Specialist Express Financial, Uniondale Jan. 2002 – Mar. 2002 Loan Officer Ameriquest Mortgage Company, Uniondale NY Dec. 2000 – Dec. 2001 Assistant Manager Equicredit/ Bank of America, Jericho NY Jul. 1999 – Nov. 2000 Senior Loan Specialist Equicredit/ Bank of America, Jericho NY Jul. 1995 – Jul. 1999 Junior Loan Specialist Equicredit/ Bank of America, Jericho NY Jul. 1994 – Jul. 1995 EDUCATION

Briarcliffe College of Bethpage

Business Degree (Pending)

Southern New Hampshire University

Liberal Arts

TECHNICAL SKILLS

Tools: Microsoft Office Suite, CXONE Phone System, Lakewood dos System, UP UI web-based Version of Lakewood

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