Angela Baker
Lacey,WA
Overview
28
28
years of professional experience
Work History
Loan Officer Assistant
Fairway Independent Mortgage
Lacey, WA
05.2021 - Current
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications and financial history paperwork.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Documented borrower's information in loan processing system and resolved any discrepancies.
- Assembled important paperwork and disclosures for borrower.
- Assessed loan compliance to meet mortgage lending laws and regulations.
- Communicated with customers daily to request information and complete paperwork.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Liaised with clients to guide through loan closing process and skillfully handle any concerns.
- Conferred with applicants and creditors to obtain information and resolve paperwork discrepancies.
Mortgage Underwriter
Land Home Financial
Federal Way, WA
09.2020 - 05.2021
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Checked personal and team calculations to validate information and underwriting decisions.
- Met Number-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
Loan Officer Assistant
Fairway Independent Mortgage
Lacey, WA
03.2018 - 03.2020
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications and financial history paperwork.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Documented borrower's information in loan processing system and resolved any discrepancies.
- Assembled important paperwork and disclosures for borrower.
- Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
- Conferred with applicants and creditors to obtain information and resolve paperwork discrepancies.
- Liaised with clients to guide through loan closing process and skillfully handle any concerns.
- Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
- Communicated with customers daily to request information and complete paperwork.
- Assisted with timely loan closing and funding activities with efficient management of task checklists.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
Education
Criminal Justice
Pierce Community College
TacomaSkills
- Loan Records Filing and Maintenance
- Government Standards
- Financial Underwriting
- Credit Reporting Software
- Loan Paperwork
- Loan Information Recording
- Credit Verification
- Customer Satisfaction
- Desktop Underwriter
- Contacting Borrowers
- Loan Application Preparation
- Customer Communication
- Lending Software Systems
- Credit Applications
- Legal Documentation
- Personal Reference Verification
References
Suzanne Clark - Sales Manager Fairway Mortgage
Phone: 253-375-3271
Malcolm Miller - Loan Officer Fairway Mortgage
Phone: 360-556-3322
Dennis Marks - Manger UNFI
Phone: 360-561-4901
Timeline
Loan Officer Assistant
Fairway Independent Mortgage
05.2021 - Current
Mortgage Underwriter
Land Home Financial
09.2020 - 05.2021
Loan Officer Assistant
Fairway Independent Mortgage
03.2018 - 03.2020
Criminal Justice
Pierce Community College
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