Senior Mortgage Processor and Lending Specialist

Tonia Cameron

937-***-**** • ***********@*****.*** • 3861 Creek Rd, Sharonville, OH 45241

Professional Summary

Finance and lending professional with over 30 years of experience in loan processing, credit analysis, and customer service across mortgage, banking, and municipal sectors. Proven expertise in using Encompass LOS to manage loan pipelines, conduct risk assessments, and ensure regulatory compliance. Adept at supporting clients through complex financial processes and delivering high-quality service in dynamic environments.

Education

Business Administration

Wright State University, Dayton, OH

1992 - 1994

Relevant Coursework: Financial Modeling, Risk Management, Business Statistics Professional Experience

KBHS Home Loans - Senior Mortgage Processor (Remote) May 2025 - December 2025

- Process residential mortgage applications while ensuring compliance with investor and agency guidelines

- Review income, assets, credit, and property documentation to prepare files for underwriting

- Communicate with loan officers, underwriters, and clients to support timely and accurate loan closings

- Manage a high-volume pipeline with strong attention to detail and regulatory accuracy; order and review title and appraisal reports to ensure accuracy and compliance NVR Mortgage - Senior Mortgage Processor

West Chester, OH I March 2020 - May 2025

- Process and manage full-cycle residential mortgage loans using Encompass LOS

- Review credit reports, income documentation, and appraisals

- Collaborate with underwriters and loan officers

- Maintain a pipeline of over 60 active mortgage files

- Provide superior customer service

- Train and mentor processors

Rivervalley Credit Union - Head Teller, Branch Manager, Member Service Representative Dayton, OH I 2004 - 2020

- Processed consumer loans including auto, personal, unsecured, and home equity

- Managed office operations; interviewed and staffed branch

- Maintained communication with members

- Originated, underwrote, and closed consumer loans

- Opened deposit accounts; cross-sold financial products

- Organized community events

Skills

- Loan Origination Systems: Encompass

- Credit & Risk Analysis

- Excel, OneNote

- Salesforce CRM

- Financial Reporting & Budgeting

- Customer Relationship Management

- Regulatory Compliance (AIIRegs)

Certifications & Training

- Lending Compliance & Risk Assessment Training (In Progress) References available upon request

Contact this candidate