job position

Kimberly S. Lowe

Dover, De *****

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

CAREER SUMMARY

A Mortgage Sr. Processor with over 5 years of “hands-on” experience in Consumer/Wholesale Lending including Credit Assessment, Risk Analysis,

Credit investigation, Property Appraisals and Customer Service. Ability to

Develop and implement administrative procedures to increase productivity

In addition, efficiency, copes well under pressure within a fast-paced environment, communicate effectively at all levels, and interact supportively within team

Environment.

OBJECTIVE

Seeking a career opportunity within the “Financial Industry” which will challenge my

Ability to make effective decisions lending to efficiency, growth and profitability

Of an organization, to produce and maintain mortgage portfolio and research solutions/alternatives to solve departmental problems.

BUSINESS EXPERIENCE

AT HOME MORTGAGE

516 Jefferic Blvd

Dover, DE 19901

01/07/2008 TO 11/15/2008

Daily Loan Processor Process Conv, Construction Prem, FHA/VA Non-Conforming

And Some Commercial Loan.

Review the application from the borrower that the Loan officers gives me to get ready for the lender to underwrite.

Once this is done I will send out all VO’s *Verifications of employment and deposit*

Follow up with the lender on the approval of the loan

Wait for the appraisal to come in to the office so it can get forward to the underwriter for review.

Always keep in contact with the title company and the borrower if it is a purchase loan

Follow up with the realtor.

Handle a lot of phone calls with follow up’s and dealing with the underwriter at the lender to get the loan final approved and ready to close.

A lot of the underwriters/lenders we work with is Online so there is computer work when you are processing a LOAN for Ref or Purchase.

Worked as a Senior Processor responsible for overseeing a team of 4 residential mortgage loan processors.

Analyzed a weekly pipeline of 25 residential mortgage loans.

Implemented ideas on structuring residential mortgage loans required for lender’s approval.

Ensured workflow efficiencies, customer service excellence, and quality assurance.

Cultivate strong customer relations and client loyalty as a result of dedicated customer service.

Cleared and closed a weekly average of 15 residential mortgage loans.

Customer Service Representative

Compiled with ledgers for employee that wanted to select their medical coverage's, handled bank notes and account transactions. Prepared correspondence and applications for new employees from different companies. Maintain organizational functions such as; Operating and sustaining office equipment, ordering supplies, and dispatching maintenance personnel when required. Typed and distributed memorandums to all employers and tenants. Also answered customer inquiries and disputes.

SKILLS:

Cash Register Operations, Money Handling, 10-Key Adding Machines, Basic Math, Customer Service, English, and Computers like Microsoft Word/Outlook , email and use the Internet

PROFIIRST MORTGAGE CORP

2331 York Road; Suite 301

Timonium, MD 21093-2215

01/07/2005 TO 03/21/2007

Summary of Qualifications

Financial Services Professional with extensive mortgage and banking background in closing, post closing,

compliance and management.

Demonstrated the ability to provide effective leadership in demanding in fast paced environments while

maintaining compliance and regulatory requirements.

Proven track record of individual and team achievements. Along with personal achievements.

Committed to providing excellent customer service to internal and external customers.

Daily loan Processor, Process Conv, Construction Prem and some commercial loan, FHA, B/C Paper.

•Follow up with Underwriter to clear conditions.

•Handle incoming calls with the borrower about there loan.

•Coordinate with the title company, on closing the loan making

Sure all documents was rec’d with the funds for the loan to close on time

•Responsible for reviewing all CLOSED loans that they are compliance

•Correctly

Analyzed loan applications, preliminary title reports, and credit bureaus to determine which supporting documents where verifiable. Completed the underwriting of residential mortgages, as well as ensuring that the same loans were funded and Title Company disbursed funds accurately. Aided in the training of new hires. Managed a team of 1-3 in an effort to improve the overall loan process

SKILLS:

Cash Register Operations, Money Handling, 10-Key Adding Machines, Basic Math, Customer Service, English and computers Microsoft Word/Outlook, email use the internet

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