Loan Processor Customer Service
Resume:
Austin, TX
San Antonio, TX
San Antonio, TX
KENNETH WATSON
Summary
In the role of a Mortgage Underwriter, I meticulously evaluate loan applications, meticulously assessing risk and adherence to established guidelines. Leveraging a keen eye for detail, I thoroughly scrutinize borrowers' financial profiles to ensure precision and compliance. Expertise in evaluating creditworthiness, employment stability, and property valuation allows me to make informed decisions. Collaborating closely with loan officers, I analyze documentation to contribute to a seamless mortgage approval process. My goal is to foster financial stability and uphold compliance standards within the lending institution. Skills
Risk Assessment
Underwriting Software
Regulatory Compliance
Financial Analysis
Loan Documentation
Decision-Making
Communication Skills
Automated Underwriting Systems (AUS)
Industry Knowledge
Customer Service
Fraud Detection
Loan Program Knowledge
Time Management
Team Collaboration
Quality Control
Experience
MORTGAGE UNDERWRITE
Amplify Credit Union
Diligently verified the accuracy of applicant information to minimize the risk of fraud, employing meticulous attention to detail and adherence to data integrity standards.
Proactively assessed credit risks by conducting thorough reviews of applicant files, systematically cross-referencing data against internal checklists and guidelines.
Applied keen analytical skills to make well-informed decisions based on a comprehensive examination of documentation, including credit histories, employment records, and current financial status. Assigned grades to loan applications according to established criteria, effectively managing institutional risk. Collaborated with management to craft Standard Operating Procedures (SOPs) for mortgage guidelines, thereby contributing to a standardized and compliant approach in the decision-making process. POST CLOSER/LOAN PROCESSOR
Directions Home Loan
Performed meticulous reviews of loan files, ensuring completeness and identifying missing documentation, thereby contributing to a comprehensive applicant file.
Orchestrated the underwriting process by systematically preparing documents, meticulously validating client income, and scrutinizing credit reports and associated information. Engaged with customers both in-person and through telephone communication, adeptly addressing inquiries, facilitating transactions, and resolving issues promptly and efficiently. Optimized loan processing workflows across multiple departments, ensuring precise, timely, and equitable proceedings. LOAN PROCESSOR
San Antonio Federal Credit Union
Provide crucial assistance to loan officer and underwriter teams, ensuring timely and accurate processing of mortgages. Scrutinize and validate borrowers' income, credit reports, employment histories, property appraisals, and title insurance details to prepare comprehensive loan applications for underwriting submission. Ensure strict adherence to company policies, underwriting guidelines, and lending-program requirements. Collaborate closely with Escrow and Title companies, proactively contacting buyers to acquire necessary documentation and coordinating seamless closings.
Expertly obtain Conditions essential for selling loans to investors, and proficiently broker out files to external lenders when necessary.
SAN ANTONIO, TX 78252 +1-210-***-**** ********.**@*****.*** 01/2007 to 01/2011
San Antonio, TX
05/1991
San Antonio, TX
San Antonio, TX
Contribute to a streamlined and efficient mortgage processing workflow, emphasizing meticulous attention to detail and strict compliance with industry standards and regulations. LOAN PROCESSOR / TEAM LEAD
World Savings
Led a team of loan processors at World Savings, achieving a 15% improvement in processing speed through streamlined workflows and a 20% enhancement in accuracy through targeted training initiatives. Successfully maintained a 98% compliance rate with company policies and underwriting guidelines. Achieved a 95% accuracy rate in the assessment of borrowers' financial documents. Reduced documentation turnaround time by 25% through close collaboration with loan officers and underwriters. Improved communication channels, resulting in a 30% decrease in processing delays. Implemented quality assurance measures, resulting in a 20% reduction in processing errors. Presented regular reports on team performance, contributing to a 15% increase in overall operational efficiency. Education and Training
High School Diploma
John Jay High School
Kinesiology
University of Incarnate Word
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