Annalisa Gentile
Jacksonville,Fl
Summary
A challenging and rewarding position offering the opportunity for continued professional development, and providing a positive contribution within a growth-oriented organization. Knowledgeable loan processor bringing several years of experience in banking and financial positions. Highly skilled in working well with people of all backgrounds to complete loan packages. Adept at building loyalty and trust between bank and customer. Goal-driven Loan Processor highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. Efficient Loan Processor known for productivity and ability to complete tasks swiftly. Specialize in accurate document analysis, regulatory compliance, and risk assessment which streamline loan processing procedures. Excel in communication, time management, and problem-solving to ensure smooth operations in fast-paced environments.
Overview
15
15
years of professional experience
Work History
Assumption loan processor
Freedom Mortgage
10.2023 - Current
- Analyze conditions for conventional and government loan programs to ensure compliance with investor specifications (AUS and underwriters)
- Review and verify accuracy of all documentation to ensure guidelines are met
- Set and explain proper expectations for the loan process and documentation needed to complete the loan application
- Collect applicable conditions from the borrower for submission to underwriting
- Proactively communicates with all parties (buyer, title/escrow, internal staff), providing timely updates and gathering all required documentation to ensure all conditions are met and full loan approval obtained
- Ability to manage a pipeline of 45-60 loans
- Ability to handle stress and escalations in a friendly, helpful manner
- Follow up after loan closes to congratulate, thank, and provide the next steps to the customer
- Respond to all Post-Closing phone calls/emails received, including applicants, approved borrowers, Inspire Home Loans staff, Century Communities staff, escrow, or title representatives.
Mortgage loan Processor III
Truist Bank
01.2018 - 07.2022
- Responsible for processing residential mortgage loans, FHA, VA, conventional and construction loans to ensure compliance with bank, investor, and secondary market standards
- Meets performance metrics and goals established by the bank
- Successfully use critical thinking and analytical skills to process loans
- Develop and maintain a strong understanding of Mortgage Lending products, policies, processes, and their required documentation
- Obtain required credit and compliance documentation per program requirements from internal clients, external clients, vendors, and third-party sources
- Perform detailed review of all documentation to ensure that loans meet portfolio and investor guidelines
- Consistently communicate with clients to ensure a smooth process to close on time
- Ensure that loan quality standards are met when submitting loans to underwriting
- Conduct proactive and effective pipeline management to ensure that metrics are met
- Adhere to all compliance regulations and controls
- Develop and maintain positive working relationship with co-workers, internal and external clients, business partners and vendors.
Modification Mortgage Underwriter
Bank of America
05.2012 - 12.2017
- Applies knowledge of mortgage servicing process and/or credit underwriting guidelines
- Adheres to all Fair Lending practices for USDA, FHA, GSE, NON-GSE, HELOCS, HELOANS AND HFA
- Demonstrates high proficiency in the review of loan underwriting and documentation to ensure compliance with investor requirements (e.g., loan documents, appraisals, etc.) and in accordance with Bank policies and procedures with Strong financial acumen and knowledge of loan documentation, responsible for accuracy of documentation
- Demonstrates proficiency in analyzing extremely complex financial information including calculation of income and debt ratios, verification of assets, collateral review, and credit review
- Resolves difficult and challenging problems by identifying potential or innovative solutions, determines documentation deficiencies within review and communicates findings with clarity
- Keep up to date on all credit policy changes that impact underwriting
- Displays customer service excellence
- Applies relevant technical and computer expertise
- Highly developed verbal and written communication skills as well as excellent teamwork with internal employees and external customers/business partners
- Achieves and exceeds work goals for productivity, quality, and turnaround time
- Prioritizes workflows and able to navigate and toggle through various computer systems
- Demonstrates a determination to get the job done right the first time while ensuring loan decisions meet all program and product specifications.
HSSII/CRM for Government and Modifications Loans
Bank of America
Jacksonville Fl
01.2010 - 01.2012
- Examines residential loan documentation for accuracy, completeness, and compliance
- Assist with Fraud Detection
- Strong interpersonal skills, including the ability to easily engage others in dialogue, convey sincere interest in building/deepening relationships and demonstrate a commitment to providing personalized service
- Demonstrated ability to influence and collaborate with others outside of reporting authority to achieve shared goals
- Proven customer service skills and the ability to resolve problems independently or escalate as needed to promote customer satisfaction
- Ability to build solid relationships with teammates, business partners and specialists by fostering teamwork, partnership, and collaboration
- Displays passion, commitment, and drive to deliver an experience that improves our customers financial lives
- Demonstrates initiative, a commitment to continuous learning, and the ability to adapt to changing demands and requirements
- Applies strong critical thinking and problem-solving skills to meet customers’ needs.
Education
High School Diploma -
Professional Formation
Sicily, Italy 05-1997
Skills
- Mortgage Origination
- Self-Directed
- Excellent Oral and Written Communication skills
- Time Management
- Analytical Skills
- Lending & Underwriting Guidelines
- Credit & Income Analysis
- Cash-Flow Analysis
- Risk/ Fraud Assessment
- Problem Solver
- Expertise in Conventional, FHA, VA, Fannie Mae Loans, USDA, Rural, Construction loans, Development Loans
- High Energy
- Self- Motivated
- Microsoft Office
- Excel
- PowerPoint
- Lexis
- Adobe
- DM portal
- Status Mart
- EDGE
- AS400
- Clues
- DU
- LP
- LAMP
- LMA
- LPS
- AUS
- LPA
- Familiar and up to date on mortgage regulatory compliance, practices, and procedures
- Knowledge of FNMA / FHLMC and FHA/VA/USDA programs required
- Ability to organize and prioritize assignments
- Manage, and perform multiple tasks
- Willingness to work overtime if necessary
- Employment Verification
- Regulatory Compliance
- Loan Servicing
- Financial Data Analysis
- Dedicated Work Ethic
- Attention to Detail
- Customer Service
- Application Review
- Credit Reports
- Document Management
- Teamwork and Collaboration
- Mortgage Loan Software
- Financial document review
- Legal Compliance
- Mortgage Underwriting
- Loan Submissions
- Information Verification
Timeline
Assumption loan processor
Freedom Mortgage
10.2023 - Current
Mortgage loan Processor III
Truist Bank
01.2018 - 07.2022
Modification Mortgage Underwriter
Bank of America
05.2012 - 12.2017
HSSII/CRM for Government and Modifications Loans
Bank of America
01.2010 - 01.2012
High School Diploma -
Professional Formation