Alethia Morris
Charlotte,NC
Summary
Experienced Senior Loan Processor 15+ year known for high productivity and efficient task completion. Specialize in loan application review, risk assessment, and regulatory compliance, ensuring smooth and timely processing of mortgage loans. Possess strong organizational skills, adaptability, and problem-solving capabilities which are pivotal in navigating complex loan processes. Excel in communication and teamwork, facilitating seamless collaboration with underwriters, real estate agents, and clients to achieve shared goals.
Overview
8
8
years of professional experience
Work History
Senior Loan Processor
Bank of America
Charlotte, NC
08.2022 - Current
- Reviewed customer applications for auto loan products and verified creditworthiness.
- Performed risk assessment on potential borrowers to ensure compliance with underwriting guidelines.
- Analyzed financial statements, tax returns, and credit reports to determine the borrower's ability to repay the loan.
- Monitored current loans for delinquency or default status.
- Ensured adherence to state and federal regulations related to consumer lending laws.
- Resolved customer inquiries regarding loan status or payment history.
- Provided assistance to underwriters in the review process of loans.
- Prepared closing documents for approved loans according to company procedures.
- Managed a portfolio of loans from origination through post-closing activities.
- Verified borrower information including income, assets, liabilities and employment history.
- Maintained strong relationships with internal departments such as underwriting and funding teams.
Senior Mortgage Loan Processor
Freedom Mortgage Corporation
Mt Laurel, NJ
03.2020 - 08.2022
- Communicated with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Maintained complete confidentiality of submitted information, according to release guidelines.
- Managed conditions sent from underwriting departments.
- Discussed loan needs and financial histories with clients, and conveyed information regarding application processes.
- Upheld compliance with privacy and security requirements, as well as federal statutes covering VA loans.
- Examined and verified information in loan application and closing documents.
- Worked with third-party vendors to address and clear loan closing requirements.
- Organized, filed, and maintained customer, department, and regulatory loan records.
Senior Loan Processor
Certainty Home Loans
Charlotte, NC
05.2020 - 03.2021
- Balanced production, quality and efficiency of high file volume ensuring milestones flowed into appropriate loan operation ques.
- Ordered third party services (title, appraisals, homeowners insurance, flood cert, credit supplements)
- Reviewed loan files to generate AUS Approved/Eligible and LP Accept underwriting standards. Communicate file suspensions, adverse action notices and withdrawn clients letters.
- Calculated and re-verified all income worksheet analysis meeting DU and LP standards. ( salary, w2, retirement, pension, self employed etc)
- Resolved communication with Realtors, Settlement Agent and Attorneys as required to ensure all parties are aware of closing status.
- Maintain a large pipeline, Process and closed 30+ loans per month
Senior Loan Processor
Cardinal Financial
Charlotte Hall, MD
06.2018 - 05.2020
- Serve as liaison support for Clients, Sales and internal operations group to identify and solve loan level or process related issues.
- Collaborate with Clients, Sales and Operation to proactively manage pipeline movement, expedite loan at every milestone and mediate any challenges at loan level.
- Apply calm and confidence based problem-solving techniques to successfully address and resolve issues for both internal/external clients to continuously improve processes and provide competitive advantage through customer intimacy and operational excellence.
- Assist Account Executives with client onboarding and ongoing training on Octane Broker Portal, products and process outline.
- Maintain 75+ pipeline and closed 35+ loans per month
Senior Loan Processor
Eagle Home Mortgage, LLC
Charlotte, NC
06.2016 - 06.2018
- Balanced production, quality and efficiency of high file volume ensuring milestones flowed into appropriate loan operation ques.
- Ordered third party services (title, appraisals, homeowners insurance, flood cert, credit supplements)
- Reviewed loan files to generate AUS Approved/Eligible and LP Accept underwriting standards. Communicate file suspensions, adverse action notices and withdrawn clients letters.
- Calculated and re-verified all income worksheet analysis meeting DU and LP standards.( salary, w2, retirement, pension, self employed etc)
- Resolved communication with Realtors, Settlement Agent and Attorneys as required to ensure all parties are aware of closing status.
- Maintain a large pipeline, Process and closed 30+ loans per month
Education
Nursing
University of South Carolina - Columbia
Columbia, SCSkills
- Application Preparation
- Appraisal Compilation
- Loan Records Filing and Maintenance
- Problem Solving
- Customer Communication
- Information Verification
- Time Management
- Desktop Underwriter
- Verbal and Written Communication
Timeline
Senior Loan Processor
Bank of America
08.2022 - Current
Senior Loan Processor
Certainty Home Loans
05.2020 - 03.2021
Senior Mortgage Loan Processor
Freedom Mortgage Corporation
03.2020 - 08.2022
Senior Loan Processor
Cardinal Financial
06.2018 - 05.2020
Senior Loan Processor
Eagle Home Mortgage, LLC
06.2016 - 06.2018
Nursing
University of South Carolina - Columbia