Loan Officer Customer Service
Resume:
HELEN DENARO
CUMMING, GA. *0041
PHONE- 678-***-****
**********@******.***
OBJECTIVE: Searching for a challenging position, where my experience and knowledge may best be utilized. Where I can provide the highest & most efficient level of Customer Service.
SKILLS: Well qualified, results-oriented, with over forty-five years in the financial industry. This includes Mortgage Loan Processor/ Loan Officer Assistant/Loan Officer. As well as accounting thru the P & L. Possess outstanding customer service/communication skills, both verbal & written. Exceptionally organized, client centric, detail oriented, and self-motivated. I work well independently, and with others. Prioritize & manage workload.
My desire and determination are to get the job done. I am success driven, with a strong work ethic.
COMPUTER PROGRAMS:
Empower mortgage program, Microsoft Word, Outlook, Excel
EMPLOYMENT:
Infosys 9/20- 1/25
POSITION: LOAN PROCESSOR
Processed mortgage loans for client (Truist Bank)
Once Loan Officer submitted file, received file to process thru closing
Reviewed file, notes, and documents, to determine accuracy and completeness, and what was still needed to obtain full underwriting approval
Contacted borrower to confirm information in the file, and to request any additional needed documentation
Explained the loan process to the borrower
Review underwriting conditions, obtaining needed items
If applicable, and not previously done, order- appraisal, title, and updated homeowners insurance
Reviewed received title, and confirmed vested information, and confirmed open items on title
Reviewed received homeowners insurance, confirming necessary information to be correct, and that policy had ample coverage
Appraisal- made sure it was sent to the borrower, and reviewed if repairs were needed
Confirmed appraised value to be suffice for loan amount- addressed with Loan Officer- if issue
Met all SLA’s
Regular communication with borrower & Loan Officer
Followed on items that had expiration dates
Maintained/ updated notes in file
Sent file back to underwriting for final review, once all needed documentation & information was in the file
Closed files in a timely manner
Made sure initial CDs sent to borrower, prior to setting closing date
Reviewed CDs with borrower
Once file final approved, sent file to closing
Scheduled closing with borrower, and settlement agent
Reviewed final numbers with the borrower
Followed closing department, to confirm package sent to settlement agent, in a timely manner
Once loan funded, followed that funds were disbursed appropriately
SunTrust Bank 12/10-10/18
(Temp) 5/19- 11/19
POSITION: LOAN SUPPORT SPECIALIST/MLS/LOA
Engage with Loan Officers & clients to obtain all necessary documents
Guide/assist borrowers with using their portals, and uploading their documents
Review all documents received, & determine when file is ready to be submitted, for underwriting review
Run DU/LP- review, and confirm findings required documents are in the file
Manage ECOA, SLA & MSS metrics
Assign processors
Do detailed notes in files
Move/index/correct documents placement in files in Empower
Prepare loan file for processing, determining all required documents are received, obtaining all additional required
Properly submit loan documents with detailed information for processing/ underwriting
Preparation of subordination requests, Condo approvals, etc., specific needs of individual file
Communication with processor throughout the entire loan process, assisting with underwriting conditions
Order title, and review when received
Order appraisal, and follow when received
Constant communication with borrower throughout the entire loan process
Continual review of loans in pipeline, to keep process smooth
Keep Loan Officer abreast of issues, concerns
Maintain rate locks
Resolve problems, open issues
Coordinate closings
Review CD’s prior to closing, first with processor, then closer, and when complete, with borrower
Maintain pipelines of approximately 80 loans
Review pipelines with Loan Officers
Branch communications
CREATIVE MORTGAGE SOLUTIONS 1/98-5/10
POSITION: OFFICE MANAGER/LOAN OFFICER/PROCESSOR
Through various sources, advertising, internet leads, and referrals, handled loans from point of sales call, thru closing/funding. From gathering information from the potential borrower, prequalifying, and advising them of the best options and programs suited to their individual needs
Streamlined a precise and meticulous process flow for documentation from the client to the lender, which resulted in 100% satisfaction due to timely and smooth closing
Processed- Conforming/Non-Conforming, FHA, and VA loans
Ensured that all loan documentation is complete, accurate, verified, and completely prepared for underwriting
Strong lender and borrower relations
Ordered title, appraisals
Followed all files thru closing
Handled all details, including any analysis that was necessary, be it from the lender side, or the borrowers
Constant underwriter contact, resolving any open conditions
Did all financial recordkeeping
Prepared data for Banking Department audits
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