Pamela Beck
McKinney,TX
Summary
Professional mortgage processing expert with strong analytical skills and deep understanding of loan documentation and compliance regulations. Proven track record of enhancing efficiency and accuracy in processing mortgage applications, consistently delivering high-quality results. Strong team collaborator who adapts well to changing priorities, ensuring smooth workflow and optimal outcomes. Known for excellent communication, problem-solving abilities, and keen attention to detail. Transferrable skillset.
Overview
22
22
years of professional experience
1
1
Certification
Work History
QC Analyst/Senior Mortgage Loan Processor
Morgan Stanley
09.2022 - 03.2025
- Developed and maintained quality assurance
- Edited, proofed, and critiqued internal documents to improve clarity.
- Provided regular updates to team leadership on quality metrics by communicating consistency problems or production deficiencies.
- Recorded findings of inspection process, collaborating with quality team to implement corrective actions.
- Recorded and organized test data for report generation and analysis.
- Analyzed quality and performance data to support operational decision-making.
- Performed tests and inspections to conform to established standards.
- Reviewed production processes and identified potential quality issues.
- Inspected items and compared against standards to meet regulatory requirements.
- Created and revised procedures, checklists and job aids to reduce errors.
- Collaborated with cross-functional teams to optimize workflows, resulting in improved productivity.
- Reported problems and concerns to management.
Senior Mortgage Processor
Fairway Independent Mortgage
01.2022 - 04.2022
- Full CD Processor - see full job description below during my 9 year tenure at Trustmark National Bank 2003-2012 fitting the job description for FULL CD PROCESSOR for this position and all others with this title.
Senior Mortgage Processor
First United Bank
08.2021 - 01.2022
- Full CD Processor - see Trustmark National Bank below for details
Mortgage Processing SME
Planet Home Lending, LLC.
12.2019 - 07.2021
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Trained new processors , assisted with onboarding new processors and ordering their systems and credentials
- Assisted new processors with their first few loans into final underwriting and closing, set up pipeline reports and reviews, spot audited files on intermediate processors going in for final underwriting to ensure accuracy and completeness
- Was on Committee for Policies and Procedures to review, update and test job aides for processing to go into Planet Online Docs
- Maintained a small pipeline of mixed loans including Streamline, IRRRL and Full docs to stay abreast on current guidelines and processing techniques
- Was assigned to work and oversee a contract team of 10 plus processors to get them up to par with PHL Polices
Processor/LOA
BancorpSouth
05.2017 - 09.2019
- Full CD Processor- see Trustmark National Bank below for details
Processor/LOA
LegacyTexas Bank Now Prosperity Bank
02.2015 - 04.2017
- Full CD Processor - see Trustmark National Bank below for details
Senior Mortgage Processor
CU Members Mortgage
02.2015 - 12.2015
- Full CD Processor supporting the client and Credit Unions
Mortgage Processor/Team Lead
Texas Lending.com
05.2014 - 02.2015
- Reviewed loan applications.
- Obtained and compiled copies of credit history, financial statements and other financial information
- Resolved customer issues by implementing effective solutions.
- Managed a team of six processors to ensure efficient operations.
Mortgage Loan Processor III
Trustmark National Bank
03.2003 - 07.2012
- Coordinated with originator and applicant about loan file developments.
- Demonstrated expertise in processing mortgage loan applications effectively for over a decade.
- Analyzed financial statements for accuracy.
- Educated customers on loan services and regulations to confirm compliance.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Handled any conditions sent from underwriting departments.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Facilitated smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.
- Maintained high level of customer satisfaction by providing detailed explanations of loan terms and answering inquiries promptly.
- Developed strong working relationships with real estate agents, further expanding referral networks for the company.
- Contributed to positive workplace environment, assisting colleagues with challenging cases and offering solutions.
- Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.
- Provided exceptional customer service while guiding borrowers through the entire loan process from pre-qualification to closing.
- Expedited mortgage approval times by proactively resolving any discrepancies in borrower documentation.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Reduced loan application errors by implementing a thorough quality control process for all submitted applications.
- Strengthened relationships with clients, following up after loan closure to ensure satisfaction and address any further needs.
- Consulted with outside vendors to identify and resolve loan closing issues.
Education
High School Diploma -
West Lauderdale High School
Skills
- Knowledgeable in loan programs
- Customer Service
- Highly detailed
- Knowledgeable with various loan programs and LOS
- Audit processes
- Procedural updates
- QC testing
- Regulatory compliance
- Error reduction
- Training and mentoring
Certification
NMLS, #554965
Additional Information
Familiar with various LOS such as Encompass, DU, LP, etc.
Timeline
QC Analyst/Senior Mortgage Loan Processor
Morgan Stanley
09.2022 - 03.2025
Senior Mortgage Processor
Fairway Independent Mortgage
01.2022 - 04.2022
Senior Mortgage Processor
First United Bank
08.2021 - 01.2022
Mortgage Processing SME
Planet Home Lending, LLC.
12.2019 - 07.2021
Processor/LOA
BancorpSouth
05.2017 - 09.2019
Processor/LOA
LegacyTexas Bank Now Prosperity Bank
02.2015 - 04.2017
Senior Mortgage Processor
CU Members Mortgage
02.2015 - 12.2015
Mortgage Processor/Team Lead
Texas Lending.com
05.2014 - 02.2015
Mortgage Loan Processor III
Trustmark National Bank
03.2003 - 07.2012
High School Diploma -
West Lauderdale High School
Similar Profiles
Stevland PoliteStevland Polite
Vice President Institutional Securities Technology at Morgan StanleyVice President Institutional Securities Technology at Morgan Stanley
Saikiran Reddy DurgareddygariSaikiran Reddy Durgareddygari
Senior Azure Data Engineer at Morgan StanleySenior Azure Data Engineer at Morgan Stanley
Satyanarayana RepalaSatyanarayana Repala
Senior Data Scientist Level 3 at Morgan StanleySenior Data Scientist Level 3 at Morgan Stanley
Saurabh VishwakarmaSaurabh Vishwakarma
Vice President at Morgan StanleyVice President at Morgan Stanley
Colby DeLeonColby DeLeon
Armed Security Officer at Alcuin Montessori SchoolArmed Security Officer at Alcuin Montessori School