Quality Control Loan Processing

Professional Summary

Loan Processing Specialist *0+ Years of Experience FHA, VA, Conventional, and Encompass Expert

Highly experienced mortgage professional with a decade of success in loan processing, quality control, and operations. Proficient in managing complex loan files, ensuring compliance with federal and investor guidelines, and delivering exceptional service to clients and internal teams. Adept in Encompass, LPS/MSP, and a wide range of loan types. Proven ability to work efficiently under pressure and meet strict deadlines with accuracy and integrity.

Core Competencies

• Loan Processing & Compliance

• FHA, VA, FNMA, FHLMC Guidelines

• Encompass LOS & LPS/MSP

• Quality Control & Risk Assessment

• File Submission & Underwriting Support

• Cross-Functional Team Collaboration

• Customer Service & Conflict Resolution

• MS Office (Word, Excel, Outlook)

Professional Experience

Triad Financial – Jacksonville, FL

Mortgage Quality Analyst November 2024- Current

• Review closed mortgage loan files to ensure they were processed accurately and in compliance with investor and regulatory guidelines.

• Worked extensively in Encompass to audit files and declare errors in processing and documentation.

• Collaborated with team members and managers to communicate discrepancies and provide feedback on loan file quality.

• Ensured all documentation met internal quality standards before file submission to post-closing or delivery teams.

Bank of America – Jacksonville, FL

Operations Associate April 2022 – March 2023

• Oversaw domestic and international fund distributions, ensuring accurate and timely dividend processing.

• Reconciled discrepancies in transaction data and implemented process improvements.

• Maintained compliance with financial regulations and internal controls.

Mortgage Right, dba TJC Mortgage – Remote

Loan Processor August 2021 – April 2022

• Reviewed residential loan files for completeness and compliance with underwriting guidelines.

• Utilized Encompass to generate automated underwriting findings.

• Communicated regularly with borrowers, loan officers, and underwriters on file status and next steps.

• Submitted loan files for underwriting and cleared conditions through closing.

PrimeLending, dba Jet Home Loans – Jacksonville, FL

Loan Processor July 2018 – July 2021

• Assessed borrower eligibility through financial document review and credit analysis.

• Applied investor guidelines to determine loan approval or additional documentation needs.

• Collaborated with stakeholders to ensure smooth file flow and timely closings.

Digital Risk – Jacksonville, FL

Loan Processor January 2015 – September 2017

• Managed loan processing pipeline and ensured all documents met underwriting standards.

• Delivered status updates and facilitated communication between borrowers and internal teams.

• Identified and resolved documentation issues to avoid delays in the closing process.

Citibank Mortgage – Jacksonville, FL

Loan Processor July 2012 – August 2015

• Processed a high volume of mortgage loan files with a focus on accuracy and compliance.

• Maintained detailed records of borrower interactions and file progress.

• Ensured timely file submission to underwriting and helped resolve pending conditions.

Education

William M. Raines High School – Jacksonville, FL

High School Diploma, 2003

Certifications

• Florida Notary Public (2025)

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