Mortgage Loan Processor

Timothy Fletcher

214-***-**** *********@*****.*** www.linkedin.com/in/tim-fletcherloans

Versatile Residential Mortgage Professional

Credit Unions Mortgage Services Financial Services Professional Profile

Versatile and solution driven Mortgage Loan Professional with an invaluable background in the residential mortgage industry. Over a decade of experience in loan origination, loan closing, and customer service leadership roles. A knowledgeable loan contributor with hands on expertise in guiding the home loan life cycle to successful close. Excels at improving loan processes and thrives in fast-paced and deadline-driven work settings. Seamlessly develops business relationships in alignment with delivering home loan transactions to smooth completion. Value to the Organization

High Performance Loan Processor who excel working with all borrowing entities and stakeholders. Over a three-year period achieved an 80% close rate, processing an average of 25 to 30 loans per month.

Proactive Problem Solver skilled at overcoming home loan closing challenges. Seamlessly navigates the loan approval process, zoning laws, title, escrow, and compliance regulations to successfully close home loans. Innovative leader who exercises sound judgment and discretion.

Versatile Industry Veteran with experience in appraisal coordination, loan underwriting protocol, and the home mortgage ecosystem. Selected to train new hires on industry practices, systems, loan types, key loan disclosures, and industry communication techniques. Mortgage Industry Expertise

Loan Origination

Credit Risk Analyst

Mortgage Loan Regulations

Home Loan Closing

Stakeholder Management

Mortgage Loan Product Knowledge

Loan Process Improvement Customer Relations Management Career Highlights

Encore Bank 2022–2024

www.encorebank.com

Mortgage Loan Processor

Hired to reviewed home loan documentation and ensure regulatory compliance and accurate documentation. Coordinated loan servicing procedures, assessed credit histories of home buying applicants, and gathered information necessary for loan applications.

Significant Contributions

Routinely carried out in-depth credit risk research to determine loan eligibility. Adept at identifying and then rectify errors in client loan applications.

During performance of loan payoff due diligence, attention to detail recognized and corrected a payoff input error. Took the corrective steps and reduced the firm’s payoff amount by $2KK, www.linkedin.com/in/tim-fletcherloans

PHH Mortgage 2020-2022

www.phhmortgage,com

Appraisal Liaison

Loan Processor

Hired to prepare and process home loan applications for underwriting submission Performed home loan due diligence and coordinated the timely and precise packaging of loans. Stellar work performance earned promotion to Appraisal Liaison. New role managed the appraisal process from end to end and ensure compliance with workflow policies, investor requirements, and regulatory standards. Significant Accomplishments

Served as multitasking troubleshooter and liaison amongst appraisers, loan team, and industry stakeholders. Managing appraisal assignments, administered refunds for canceled appraisal orders, and verified accuracy of fees. Role required quick and objective business decisions.

Routinely perform customer outreach to guided clients to ensure a smooth loan experience. Mr. Cooper 2020-2020

www.mrcooper.com

Senior Mortgage Loan Processor I-Direct

Secured contract assignment with firm’s servicing team, selected for industry expertise. Managed review process for loan applications ensured compliance with underwriting, investors, and FNMA/FHLMC rules, Significant Contributions

Prepared time-sensitive status reports for senior management review and directed loan submissions for underwriting approval.

Intouch Credit Union 2014-2020

www.intouchcreditunion.com

Senior Consumer Loan Processor

Underwriting

Three consecutive years recognized by the firm with the customer service employee award.

Effective caseload management that requires an average of responding to 50 email inquiries and 25+ inbound calls daily. Consistent performance record of prompt and effective responses. Relevant Career History

DATCU Credit Union

Mortgage Loan Officer

Mortgage Underwriter III

Real Estate Loan Processor

Education

B.S. Accounting, Southern University

Industry Tools

Microsoft Suite Advanced Excel Database Management Salesforce

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