Summary
Overview
Work History
Skills
Additional Information
Timeline
Generic

Cindie Copenhaver

Lake Mary,FL

Summary

Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

12
12
years of professional experience

Work History

Loan Processor

Sunflower Processing LLC
Lake Mary, FL
07.2022 - Current
  • Contract loan processor for several mortgage broker offices.
  • Handled any conditions sent from underwriting departments.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Set up and completed loan submission packages.
  • Processed loans within various departments to achieve timely, accurate and fair proceedings.
  • Prepared documents for underwriting by verifying client income, credit reports and other information.
  • Provided quick turnaround times to maintain fast-past schedule.
  • Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
  • Maintained compliance with privacy and security requirements, as well as federal statutes covering [Type] loans.

Processing Manager

Florida Home Funding
Lake Mary, FL
12.2012 - 03.2022
  • Manage pipeline of up to 25 loans a month from open to close.
  • Follow up on loan documentation ordered in a timely manner to ensure closing dates and company deadlines are met.
  • Manage a loan pipeline and maintain an efficient and compliant flow through the loan process.
  • Serve as a liaison between loan officers applicants, real estate agents, and mortgage lending underwriters, title company's and appraisers to help further loan approval.
  • Give detailed loan packages to the lender underwriting department and obtain approval or denial. When issues arise, communicate with underwriters and borrowers to make sure conditions are satisfied.
  • Obtain all necessary property and loan documentation for every file, including evidence of insurance, verification of employment, payoffs, credit supplements, tax transcripts, condo questionnaires, title work, and subordination requests and to make sure the loan process goes smoothly.

Pre-closing Auditor

Proficio Mortgage Ventures
Orlando, FL
11.2010 - 12.2012
  • Reviewed file before closing to ensure there will be no issues for the closer while creating the closing package.
  • Review loan file data and documents in accordance with investor and lender guidelines to speed up transition to servicing.
  • Analyze credit documents, including, but not limited to, mortgage applications, property appraisals, credit history, income documentation, title documents and all other applicable compliance documents to ensure borrower met qualification guidelines.
  • Knowledge of TIL, HUD, CD/LE and other legal disclosure documents.
  • Maintain confidentiality and security of applicant/borrower information and data at all times.
  • Verify data and report findings in proprietary diligence systems.

Skills

  • Handle the entire loan process, from contract to close
  • 23 years experience in retail and wholesale loan processing and closing
  • Excellent multitasker who can work both independently and with a team to meet deadlines
  • Strong customer service skills and an eye for detail
  • Strong knowledge of mortgage loan products (FHA/VA/CONV/USDA) and knowledge of mortgage documentation, procedures, and processes
  • Working knowledge of real estate documentation, underwriting policies, compliance, and procedures

Additional Information

NMLS #1010961

Timeline

Loan Processor

Sunflower Processing LLC
07.2022 - Current

Processing Manager

Florida Home Funding
12.2012 - 03.2022

Pre-closing Auditor

Proficio Mortgage Ventures
11.2010 - 12.2012

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Cindie Copenhaver