Mortgage Loan Processor & Closer

DENISE HOLMES

Hubert, NC 808-***-****

******.*.******.***@*****.***

linkedin.com/in/denise-holmes-8a30182b4

PROFESSIONAL SUMMARY

Mortgage Loan Processor and Closer with 15+

years of experience in mortgage lending,

banking operations, loan processing, loan

closing, and customer service. Proven success

managing pipelines of 25–30 residential

mortgage loans while ensuring regulatory

compliance, accuracy, and timely closings.

Experienced in Conventional, FHA, VA, USDA,

and New Construction lending.

Proficient in Finastra LOS, Symitar, Synergy,

AIMS Dashboard, ordering Title and FirstClose.

CORE COMPETENCIES

Mortgage Processing • Mortgage Closing •

Pipeline Management • New Construction

Lending • Construction Draw Administration •

Underwriting Conditions • TRID • RESPA • HMDA

• TILA • Credit Analysis • Quality Control •

Regulatory Compliance • Customer Service

SYSTEMS

Finastra LOS • Symitar • Synergy • AIMS

Dashboard • FirstClose • Microsoft Office Suite •

Adobe Acrobat•SharePoint

PROFESSIONAL EXPERIENCE

MORTGAGE LOAN PROCESSOR & CLOSER

Marine Federal Credit Union NC Present

• Manage a pipeline of 25–30 residential

mortgage loans from application through

closing and funding while maintaining regulatory

compliance and service standards. • Process

Conventional, FHA, VA, USDA, and New

Construction loans in accordance with investor

and credit union guidelines. • Utilize Finastra

LOS, Symitar, and Synergy to manage loan files,

monitor milestones, and support lending

operations. • Order and track appraisals through

AIMS Dashboard and obtain flood certifications

and third-party services through FirstClose. •

Review borrower income, assets, employment,

credit, title, insurance, and property

documentation while analyzing DTI and LTV

ratios. • Collect, review, and clear underwriting

conditions to achieve Clear-to-Close status. •

Prepare and review Closing Disclosures and

closing packages in compliance with TRID,

RESPA, TILA, HMDA, Fair Lending, and investor

requirements. • Coordinate with borrowers, loan

officers, underwriters, title companies,

settlement agents, attorneys, appraisers, and

vendors to facilitate timely closings. • Serve as

Construction Loan Manager for new

construction projects from approval through

100% completion, including draw administration,

inspections, lien waivers, and permanent loan

conversion. • Conduct pre-closing and post-

closing quality control reviews while maintaining

accurate loan documentation and records.

LOAN PARTNER / PROCESSOR

Cardinal Financial Company Remote, NC 2023

• Managed mortgage loan files from application

through underwriting approval. • Ordered and

tracked appraisals, title work, insurance, and

verification documentation. • Performed

comprehensive loan reviews within 24 hours of

receipt and prepared files for underwriting

submission. • Monitored conditions and

maintained communication with borrowers, loan

officers, and referral partners throughout the

loan process. • Managed multiple loan files

simultaneously while meeting production

deadlines and service expectations.

SENIOR MEMBER SERVICE REPRESENTATIVE

Navy Federal Credit Union Swansboro, NC

2010 – 2018

• Directed branch opening and closing

procedures, including vault management, cash

controls, and drawer reconciliation. • Assisted

members with consumer lending, deposit

products, and financial service solutions. •

Verified transactions for accuracy and

compliance with internal policies and regulatory

requirements. • Trained and mentored new

employees while supporting operational

excellence initiatives. • Maintained exceptional

member satisfaction through proactive problem-

solving and service delivery.

CUSTOMER SERVICE REPRESENTATIVE

Community Bank Okinawa, Japan 2003 –

2007

• Processed financial transactions and

maintained exceptional customer service

standards. • Performed USD-to-YEN currency

conversions and supported daily banking

operations. • Resolved customer inquiries while

ensuring transaction accuracy and efficiency.

ADDITIONAL EXPERIENCE

SENIOR PROCESSOR

Brennan Title Company

• Processed and reviewed title and closing

documentation supporting residential real estate

transactions. • Coordinated with lenders,

borrowers, attorneys, and settlement agents to

facilitate successful closings.

EDUCATION

Associate Degree in Business (In Progress)

American Public University System

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