Karla Huberty
Loan Processor
Plymouth,MN
Summary
Enthusiastic Loan Processor eager to contribute to team success through hard work, attention to detail and skilled in working under pressure. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
23
23
years of professional experience
3
3
years of post-secondary education
Work History
Senior Mortgage Loan Processor
AXIA HOME LOANS
Remote , REMOTE
10.2020 - Current
- Evaluate approvals against established bank and government lending standards.
- Manage pipeline of up to 60 files, closing approximately 30-50 per month
- Communicated with originator and applicant concerning progress of loan file.
- Prepared file for final clear-to-close by branch management.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Handled any conditions sent from underwriting departments
Loan Processor
GUARANTEED RATE AFFINITY
Remote
07.2019 - 10.2020
- Managed pipeline for LO's not licensed in state home is being refinanced/buying and must partner with another LO.
- Provided quick turnaround times to maintain fast-past schedule.
- Handled any conditions sent from underwriting departments.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
Senior Loan Processor
INSIGHT LOANS
MINNETONKA/HYBRID
02.2017 - 07.2019
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Handled any conditions sent from underwriting departments.
- Helped facilitate through personal contacts new hires that were badly needed at this branch.
Loan Coordinator
TRUSTONE CREDIT UNION
Plymouth, MN
06.2016 - 02.2017
- Assisted senior-level credit officers with complex loan applications.
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Office Manager/Loan Processor
MN HOME FINANACE
04.2014 - 06.2016
- ROSEVILLE
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting
- Managed budgets, appointment scheduling, employee and event itineraries and accounts to improve productivity initiatives.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
Junior Underwriter
FREEDOM MORTGAGE
MINNETONKA
12.2011 - 04.2014
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
Loan Processor
Mortgage Elite Inc.
Plymouth, United States
04.1999 - 12.2011
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
Education
High School Diploma -
North Branch High School
North Branch, MN 10.1993 - 06.1996
Associate of Arts - Business Management /Justice
CAMBRIDGE COMMUNITY COLLEGE
Cambridge, MN 09.1995 - 04.1996
Skills
Microsoft Word & Office
Encompass & Calyx PointEmpower
Organization & Time ManagementGood listening skillsWritten CommunicationSelf-motivated
Processing daily procedures
Pipeline Daily Management
Good Telephone Etiquette
Financial document review
Active Listening
Multitasking Abilities
Timeline
Senior Mortgage Loan Processor
AXIA HOME LOANS
10.2020 - Current
Loan Processor
GUARANTEED RATE AFFINITY
07.2019 - 10.2020
Senior Loan Processor
INSIGHT LOANS
02.2017 - 07.2019
Loan Coordinator
TRUSTONE CREDIT UNION
06.2016 - 02.2017
Office Manager/Loan Processor
MN HOME FINANACE
04.2014 - 06.2016
Junior Underwriter
FREEDOM MORTGAGE
12.2011 - 04.2014
Loan Processor
Mortgage Elite Inc.
04.1999 - 12.2011
Associate of Arts - Business Management /Justice
CAMBRIDGE COMMUNITY COLLEGE
09.1995 - 04.1996
High School Diploma -
North Branch High School
10.1993 - 06.1996