Customer Service Loan Processor
Resume:
Misty Carter
Jacksonville, FL *****
*********@*****.***
Professional Summary
With over 20 years in the financial industry
in mortgage operations and loan analysis shows I have familiarity with financial regulations and compliance procedures. Operates well in both individual and team capacities, leveraging seasoned work ethic to quickly adapt to different processes and drive company objectives. Resourceful and results- driven with a passion for growth and efficiency to meet company needs and increase service value. Work Experience
Shipping and Suspense Analyst
Jet Home Loans
November 2024 to August 2025
• Review closed loan packages.
• Prepare the closing package to be shipped to investors.
• Assisted with providing documents for conditions to clear loan for purchase.
• Assisted with scanning incoming documents to Encompass files.
• Shipped required documents to banks.
• Collaborated closely with cross-functional teams, including sales, marketing, finance, engineering and operations.
• Supported decision-making processes by providing data-driven insights. Business Owner
Misty’s Clear Clean LLC-Jacksonville, FL
June 2023 to October 2024
• Scheduled clients for various services. Maintained bank accounts for incoming and outgoing wire transfers. Including invoice each service rendered.
• Specialized in commercial and new construction cleaning, customer service, inventory management, and equipment maintenance.
• Customer facing role and maintaining a professional relationship for continuous service.
• Keep daily records of services.
• Employed a staff of 4. Processed payroll weekly. Mortgage Loan Processor (Remote)
Pentagon Federal Credit Union-Jacksonville, FL
August 2020 to November 2023
• Applied knowledge of HELOC, FHA, VA, USDA guidelines when processing mortgage loans.
• Communicated effectively with clients, lenders, realtors, appraisers, and other parties involved in the transaction.
• Initiate contact with customers to obtain additional information needed to process mortgage loans.
• Reviewed title commitments and surveys prior to closing date.
• Performed quality control reviews on completed files before submission to underwriters.
• Proficiently utilized automated underwriting systems such as DU and LP to determine eligibility for mortgage loans.
• Analyzed financial statements and credit reports to verify accuracy.
• Identified issues raised in documents and reported to the loan o icer for assistance.
• Collaborated with team members on complex transactions requiring special attention or expertise.
• Managed application workflow to provide timely approvals and meet lock expiration dates.
• Reviewed mortgage applications to determine accuracy, completeness, and compliance.
• Assembled and verified accuracy of residential loan documentation.
• Accurately analyzed and verified loan applications to ensure compliance with applicable federal, state, and local regulations.
• Processed applications, fulfilled customer requests and adhered to policies. Mortgage Loan Processor (Hybrid)
Mphasis Digital Risk-Jacksonville, FL
August 2018 to November 2020
• Managed pipeline of 50 loans. New construction was a majority.
• Adhere to all policy and federal laws and regulations. reviewed documentation for loan approval. Maintained constant communication with borrowers and title companies Post Closer
Homeguard Title And Trust-Jacksonville, FL
August 2016 to May 2018
• Reviewed and separated entire mortgage closing package. Shipped lender required documents overnight. Answered incoming calls from clients and real estate agents. Responsible for balancing Petty and Escrow bank accounts. Sent wires for closing. Ordered supplies for office and kept it organized. Education
High school diploma or GED
Nathan B. Forrest High School
Skills
• Data entry (10+ years)
• Microsoft Excel (10+ years)
• Microsoft PowerPoint (3 years)
• Loan processing (10+ years)
• Customer service (10+ years)
• Loan closing (5 years)
• Microsoft Word (10+ years)
• Professionalism (10+ years)
• Encompass (5 years)
• Office administration (10+ years)
• Credit analysis (10+ years)
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