Amy Altare
Sicklerville,NJ
Summary
Manages high-volume loan pipeline in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills. Dedicated Mortgage professional with 28 years history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
10
10
years of professional experience
Work History
Senior Loan Processor
Integrated Financial Group
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Provided quick turnaround times to maintain fast-past schedule.
- Set up and completed loan submission packages.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Checked packages for appropriate documentation.
- Coordinated closing process with attorneys, title companies and government clerks.
- Evaluated approvals against established bank and government lending standards.
- Prepared file for final clear-to-close by branch management.
- Communicated with originator and applicant concerning progress of loan file.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Completed denial and cancellation procedures on applicable files.
- Reviewed and validated details of loan applications and closing documentation.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Assessed customer account histories to determine previous compliance with payment plans and loan terms.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Produced and submitted completed loan packages to title and escrow professionals.
- Consulted with outside vendors to identify and resolve loan closing issues.
Senior Loan Processor
Allied Mortgage Group Inc
05.2012 - 06.2022
- Fully processed Convention, FHA, VA and USDA loans from application through closing.
- Submitted and worked on clearing NJHMFA and PFHA grant approvals.
- Evaluated loans against established bank and government lending standards.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Worked with customers to obtain any conditions sent from underwriting departments.
- Set up and completed loan submission packages.
- Coordinated closing process with attorneys, title companies and government clerks.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Provided quick turnaround times to maintain fast-past schedule.
- Worked with customers in person, via email and telephone to answer questions, process transactions and resolve issues.
Education
Associate of Science - Paralegal Studies
Community College of Philadelphia
Philadelphia, PaHigh School Diploma -
St Huberts High School For Girls
Philadelphia, PA05.1993
Skills
- Loan Application Preparation
- Attention to Detail
- Risk Management
- Appraisal Verification
- Loan Processing Coordination
- Application Process Management
- Federal Statutes
- Product Education
- Customer Relations
- File Management
- Credit Reporting Software
- Automated Underwriting Systems DU/LP/GUS
- Regulatory Compliance
- Digital Applications
- Contacting Borrowers
- Credit Verification
- Credit File Updating
- Employment Verification
- Data Entry
- Escrow Account Management
- Title Research
- Dedicated Work Ethic
- Customer Service
- Property Inspection Requirements
- Calyx Point/Encompass
- Creditworthiness Determination
- Teamwork and Collaboration
- Status Updates
- Title Abstracts
- Mortgage Loan Software
- Borrower Correspondence
- Government Lending
- Program Requirements
- 10-Key Typing
- Credit Extensions
- Remote Video Conferencing
- Mortgage Closing Scheduling
- Active Listening and Learning
- File Organization
- Customer Inquiries
Timeline
Senior Loan Processor
Allied Mortgage Group Inc
05.2012 - 06.2022
Senior Loan Processor
Integrated Financial Group
Associate of Science - Paralegal Studies
Community College of Philadelphia
High School Diploma -
St Huberts High School For Girls
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