Angela Monsef
Pacific Crest Bank
Lake Stevens,WA
18
years of professional experience
Detail-oriented mortgage specialist with 15 years of experience in managing documentation and submission processes for residential and commercial loans. Acted as a key point of contact for borrowers, loan officers, agents, and underwriters throughout the mortgage transaction lifecycle. Strong knowledge of various loan programs, including conventional, FHA, VA, USDA, WA, and ST Bond.
Work History
Commercial Loan Processor
3 Years 6 Months- Managed mortgage loan portfolio by providing administrative support for Mortgage Lending Team and collaborating with customers, loan officers, and underwriting to streamline loan processing and enhance customer service.
- Review loan documentation for commercial loans to support the lending team. Enter borrower’s information into the commercial loan systems: Credit Quest and Laser Pro.
- Order Credit Reports, Appraisals, Title Reports, Property Insurance, and other supporting documents throughout the loan process.
- Prepare final loan documents and closing disclosures according to regulatory compliance timelines.
- Process commercial loan applications, ensuring compliance with regulatory requirements and bank policies.
- Evaluate financial documents to assess borrower creditworthiness and risk factors.
- Managed a diverse portfolio of commercial lending cases, ensuring that deadlines were met while maintaining a high level of quality assurance standards.
- Collaborated with underwriters to expedite the approval process for commercial loans.
Senior Loan Processor
6 Years 2 Months- Administer end-to-end operations managing a pipeline of 80+ loans and closing 30-40 loans per month on average. Communicate with borrowers, real estate agents, and Title/Escrow to ensure seamless closing of loan applications. Identify and promptly resolve all concerns and issues of clients regarding loan functions.
- Maintained compliance with company policies and underwriting guidelines, mitigating risks and ensuring loan integrity.
- Built and strengthened relationships with underwriters and clients to facilitate effective loan processing solutions.
- Mentored new hires within the loan processing team, fostering a culture of knowledge sharing and continuous improvement.
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
Processor
7 Years- Managed pipeline of 40 loans, closing 15 to 20 monthly. Collaborated with Loan Officers to ensure compliance with regulations and legal requirements. Built strong client relationships to clarify requirements and needs. Identified and resolved potential application issues before submission for approval.
- Developed systems to streamline the tracking process for verifications including employment verification, tax transcripts, verifications of deposits, and insurance binders.
- Streamlined loan processing workflows to enhance operational efficiency and reduce turnaround times.
- Ensured compliance with regulatory guidelines throughout mortgage application processes.
- Collaborated with underwriters to resolve discrepancies, improving accuracy of loan documentation.
Skills
Commercial loan processing
Credit risk assessment
Loan origination software
Effective time management
Clear communication
Strong attention to detail
Loan compliance
Loan processing proficiency
Timeline
Commercial Loan Processor
Pacific Crest Bank
01.2023 - CurrentRead More
Senior Loan Processor
Capstone Home Loans
06.2016 - 08.2022Read More
Processor
Bay Equity Mortgage LLC
01.2009 - 01.2016Read More