Encompass LOS
Hi, I’m
Angel Hart
Senior Loan Processor
Fort Walton Beach,FL
Summary
As a highly skilled Senior Loan Processor, I bring over a decade of experience in efficiently managing complex loan portfolios and ensuring regulatory compliance. My expertise in various loan programs, including FHA, VA, USDA, Bond, and construction loans, combined with a keen eye for detail and a commitment to exceptional customer service, has consistently driven successful outcomes and client satisfaction. I am dedicated to streamlining processes, mitigating risk, and supporting the growth and success of my team and organization.
Overview
10
years of professional experience
Work History
CBM Mortgage (Team of Supreme Lending)Fort Walton Beach, FL
Senior Loan Processor
08.2020 - 08.2024
Job overview
- Expertise in Loan Programs: Specialized in processing FHA, VA, USDA, Fannie Mae, Freddie Mac, and Federal Home Loan Bank loans (FHLB), with additional experience in handling loans through the Virginia Housing Development Authority (VHDA) and South Carolina Housing bond program.
- Compliance & Risk Management: Ensured adherence to all regulatory requirements and company policies, conducting thorough reviews of loan applications and supporting documentation to mitigate risk and prevent fraud.
- Managed Loan Pipeline: Efficiently handled a portfolio of 40+ mortgage loans per month, coordinating with underwriters, appraisers, and borrowers to ensure timely and accurate processing from application to closing.
- Customer Service Excellence: Delivered exceptional customer service by maintaining clear and consistent communication with clients, resolving issues, and providing guidance throughout the loan process, resulting in a 95% customer satisfaction rate.
Bank Of EnglandFort Walton Beach, FL
Loan Processing Manager
07.2018 - 08.2020
Job overview
- Cross-Functional Collaboration: Collaborated closely with loan officers, underwriters, and title companies to streamline the loan processing workflow, effectively managing priorities and deadlines to enhance operational efficiency.
- Pipeline Management: Oversaw the loan processing pipeline, distributing and monitoring the progress of loans among junior processors, ensuring balanced workloads and adherence to deadlines, resulting in efficient processing and timely closings.
- Performance Tracking & Reporting: Developed and maintained tracking systems to monitor the status and progress of loan applications, providing regular updates and performance reports to senior management, and identifying areas for process improvement and team optimization.
Training & Mentorship: Mentored and trained junior loan processors, sharing best practices and providing guidance to improve team performance and maintain high standards of quality and compliance.
Sandy Spring BankFairfax, VA
Loan Processor
06.2016 - 07.2018
Job overview
- Advanced Loan Documentation: Expertly prepared and reviewed loan documents, ensuring completeness and accuracy, and resolving any discrepancies to facilitate smooth and timely closings.
- Guideline Adherence & Fraud Prevention: Maintained up-to-date knowledge of industry guidelines and regulations, implementing thorough verification processes and advanced fraud detection techniques to safeguard the integrity of loan applications and protect the company from potential losses.
- Assessed feasibility of loan approval by reviewing financial histories, available credit, and current employment.
- Awarded as a Top-Producing Processor for consistently exceeding performance metrics and demonstrating exceptional efficiency in loan processing.
Integrity Home Mortgage CorporationFredericksburg, VA
Loan Processor
08.2014 - 06.2016
Job overview
- Construction Loan Processing: Specialized in managing construction loans from initial qualification through to permanent financing, coordinating with builders, borrowers, and inspectors to ensure compliance with project timelines and financial requirements.
- Organized loan files, updated databases, prepared general correspondence and communicated with stakeholders.
- Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
Skills
- Financial document review
- Teamwork and Collaboration
- Legal Compliance
- Information Verification
- Proficient in Encompass LOS
- Strong attention to detail
Software
Word
Outlook
Excel
Timeline
Senior Loan Processor
CBM Mortgage (Team of Supreme Lending)
08.2020 - 08.2024
Loan Processing Manager
Bank Of England
07.2018 - 08.2020
Loan Processor
Sandy Spring Bank
06.2016 - 07.2018
Loan Processor
Integrity Home Mortgage Corporation
08.2014 - 06.2016
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