Loan Processing Home Insurance

Nira Deville

Tulsa, OK LinkedIn 918-***-**** ****.*******@*****.***

Mortgage Professional

Mortgage industry professional with 26+ years of comprehensive knowledge of mortgage lending, servicing, and operational policies and practices. Loan Processing Skills

Knowledge of Conforming & Nonconforming Loans ARM & Jumbo Loans Fannie Mae & Freddie Mac FHA Loan VA Loans USDA Rural Development Loans Section 184 Loans ADFA Loans OHFA Loans MO Bond loans Software: Experience using Encompass, Fannie Mae’s Desktop Underwriter and Freddie Mac’s Loan Prospector. NCino-Home4Me, Unify, Excel, WP, Qualifier, HP- calculator.

Excellent verbal and written communication skills, detail-oriented ability to multitask, understand Bank policies, laws, regulations, and the Bank’s BSA/AML Program, as applicable to job duties, Complete compliance training and adhere to internal procedures and controls such as ECOA, Reg Z, Reg B, CFPB, HMDA, RESPA, TILA.

WORK EXPERIENCE

Arvest Bank Remote Senior Retail Processor 3; May 2014 – Feb.2025

● Review and verify loan documents, including income bank statements, credit reports, tax transcripts, verification of employment, purchase agreements, etc. Disclosing any change of circumstances within compliance guidelines.

● Collaborate with underwriters, Customers, Realtor Agents, Home insurance Agents, Title Companies and Closing teams, facilitating rapid communication and leading to a 15% increase in successful loan closures.

● Manage a portfolio of 20-40 loans consistently ensuring timely processing, met crucial deadlines sometimes 2-3 weeks and up to 30–45-day window of closing.

● Played a pivotal role in resolving application discrepancies, which has led to a reduction in processing time by 14-30 days on average. Strong listening, problem solving skills and out-of-box thinking.

● Assured underwriting guidelines with FHA, VA, FNMA, FHLMC, HUD184, USDA, Jumbo loans, AR and Tulsa Bond loans with product and compliance guidelines.

● Reviewed and completed the underwriting process for residential property appraisals according to standard appraisal guidelines and underwrote conventional loans to help facilitate a faster approval process.

Bank of Oklahoma Financial Senior Loan Processor 2; May 1996 – April 2014

● Processed a monthly average of 45-50 mortgage loans while maintaining a 90% customer satisfaction rate.

● Input proper loan information into the system for processing. Responsible for ensuring that all loan documentation is complete, accurate, verified, and complies with company policy. Prepared application for submittal to underwriting. Worked on conditions for loans that came out of underwriting. Strong listening, problem solving skills and out-of-box thinking.

● Outperformed company average in achieving loan processing turnaround time of 21 days.

● Monitored files in process for 30-day activity status to ensure that Regulation B guidelines were enforced on all files.

● Assured compliance and underwriting guidelines with FHA, VA, FNMA, FHLMC, HUD184, USDA, Jumbo loans, and OK State Bond loans.

● Successfully trained 5 new loan processors, which improved the team’s productivity. Assured underwriting guidelines with FHA, VA, FNMA, FHLMC, HUD184, USDA, Jumbo loans, AR and Tulsa Bond loans with product and compliance guidelines EDUCATION

Master of Business Administration Edmond, OK University of Central Oklahoma 1988 Bachelor of Science in Computer Science Edmond, OK University of Central Oklahoma 1986

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