Annalisa Gentile
SoFi
Jacksonville,GA
17
years of professional experience
Seasoned Mortgage Loan Processor with over 20 years of experience in loan processing and underwriting, adept at handling 45-60 loan pipelines and ensuring compliance with investor guidelines, excelling in analytical skills and customer service excellence. Seeking to leverage expertise in Mortgage Loan Processor role to deliver efficient loan processing and client satisfaction. Goal-driven Loan Processor highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. 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. 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. Experienced with providing comprehensive home services, ensuring client satisfaction and task completion. Utilizes client-focused approach to address issues promptly and efficiently. Strong understanding of technical troubleshooting and effective communication, promoting seamless experience for clients. Microsoft Office, Excel, PowerPoint, Lexis Nexis, Adobe, DM Portal, Status Mart, Edge, As400 Clus DU, LP, Lamp, Lma, LPS, Aus, Us, Pa, LendingPad, Hubspot, LOS, Salesforce, Familiar and Up to Date on Mortgage Regulatory Compliance, Practices, and Procedures Knowledge of FNMA / FHLMC and FHA/VA/USDA/ DSCR/ HELOCS/ REHABS/Programs and more. Ability to Organize and Prioritize Assignments Manage, and Perform Multiple Tasks Willingness to Work Overtime if Necessary
Work History
Loan Reviewer III
5 Months- Reviewed loan applications for accuracy, completeness, and compliance with underwriting guidelines.
- Analyzed borrower documentation to verify income, credit history, and supporting records.
- Determined loan file readiness by identifying missing information and resolving data discrepancies.
- Monitored pipeline status to prioritize high-impact cases and maintain workflow efficiency.
- Supported continuous improvement efforts by providing feedback on existing tools, systems, and methodologies used in the loan review process.
LOAN PROCESSOR
4 Months- Review and prepare DSCR loan applications for underwriting, ensuring all documentation appraisals, leases, title, insurance is complete and compliant.
- Act as the primary liaison between borrowers, loan officers, and underwriters to track, submit, and clear conditions.
- Analyze rental income, lease agreements or market rent) versus the total monthly mortgage payment to verify the required ratio is met
- Understanding of investor guidelines, entity documents, and rental market analysis.
- High accountability for accuracy in documentation, as these loans often rely on complex, non-standard borrower income sources
MORTGAGE LOAN PROCESSOR
1 Year- Process Helocs
- Order and track third-party reports: ARV appraisals/BPOs, title, insurance, flood certs
- Coordinate with title/escrow on lien searches, payoffs, tax/utility prorations, wiring instructions, and entity name consistency.
- Clear underwriting conditions quickly and accurately; escalate risk or exceptions promptly.
- Maintain timely, proactive communication with borrowers, brokers, and internal teams; set expectations and provide clear next steps.
- Keep LOS records organized and up-to-date; ensure clean, audit-ready files prior to closing handoff.
- Identify risks/fraud red flags (straw borrowers, mismatched title vesting, suspicious invoices) and collaborate with underwriting/compliance.
- Identify and resolve issues that could delay closing, escalating when necessary.
- Provide clear, professional updates to all stakeholders throughout the process.
- Recommend process improvements to remove bottlenecks and enhance speed and borrower experience.
ASSUMPTION LOAN PROCESSOR
1 Year 6 Months- Reviewed credit reports and financial information to evaluate creditworthiness of applicants.
- Reviewed loan applications for accuracy and completeness.
- Maintained accurate records in computer database system during loan origination process.
- Analyzed loan applications and supporting documents to determine eligibility for approval.
- Explained the various types of loans available and advised on the best product suited for customer's needs.
- Assisted borrowers with questions regarding their loans after closing.
- Monitored progress of each loan application from start to finish ensuring timely completion.
- Verified accuracy of closing figures prior to disbursement of funds.
- Adhered strictly to company policies when completing tasks associated with loan processing duties.
- Updated customers regularly on status of their loans throughout the processing period.
- Collaborated with underwriters to resolve any discrepancies in applicant's financial profile or documentation issues.
- Researched escalated problems related to loan processing activities.
MORTGAGE LOAN PROCESSOR
4 Years 6 Months- Communicated regularly with customers throughout the entire process from origination through closing.
- Performed post-closing follow up on file completion requirements.
- Assessed credit reports to determine eligibility for mortgage loans.
- Researched discrepancies in documentation received from applicants or third parties.
- Ordered appraisals and title services on behalf of borrowers when necessary.
- Examined collateral property values to ensure they meet investor guidelines.
- Coordinated activities between lenders, attorneys, realtors, insurance companies.
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Compiled documentation required for submission to government agencies for processing.
- Reviewed loan applications and verified accuracy of borrower information.
- Organized files electronically according to document type and date received.
- Maintained accurate records in accordance with company policy and procedures.
- Reviewed HUD-1 settlement statements prior to closings.
- Conducted quality control reviews on closed loans for accuracy.
- Verified that all conditions of the loan have been met prior to disbursement of funds.
- Processed loan documents and ensured compliance with federal regulations.
- Prepared closing documents, including title policies, deeds, and other related items.
- Evaluated financial statements and contacted institutions and customers to clarify details.
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
MORTGAGE UNDERWRITER
5 Years 7 Months- Issued clear written conditions for approval of mortgage loans.
- Verified employment history and income of applicants.
- Assessed risk levels associated with each loan application based on established criteria.
- Collaborated with cross-functional teams on special projects involving underwriting initiatives.
- Researched historical data related to property values in order to evaluate potential risks associated with a loan request.
- Reviewed and analyzed loan applications for completeness and accuracy.
- Evaluated collateral properties to assess market value.
- Conducted due diligence reviews of loans prior to closing.
- Consulted with other departments regarding complex loan applications.
- Determined whether or not to approve or deny a loan application in accordance with company guidelines.
- Analyzed financial documents such as tax returns, bank statements, pay stubs, and credit reports to determine borrower's ability to repay the loan.
- Maintained up-to-date knowledge of changing laws and regulations related to mortgage lending.
- Identified potential issues related to title, appraisals, insurance coverage.
- Monitored portfolio performance metrics including delinquency rates and default trends.
- Managed multiple tasks simultaneously while meeting tight deadlines.
- Calculated debt-to-income ratios to ensure compliance with industry standards.
- Developed relationships with external partners such as real estate agents and lenders.
- Collaborated with loan originators and processors to correctly review and assess applications and risks.
- Reviewed and evaluated loan applications and supporting documents.
- Requested additional information for applications and documents when necessary.
- Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
HOME SERVICE SPECIALIST
2 Years 4 Months- Communicated with customers on customer service activity, including purchase history and preferences.
- Created detailed reports on customer activity, including purchase history and preferences.
- Prepared loan documents including promissory notes, deeds of trust, mortgage insurance policies and truth-in-lending statements.
- Assisted borrowers with questions regarding their loans after closing.
- Compiled closing packages containing all necessary documents required for funding.
- Monitored progress of each loan application from start to finish ensuring completion.
- Maintained accurate records in computer database system during loan origination process.
- Communicated with customers via telephone or email to obtain additional documentation required for loan.
- Provided excellent customer service while responding promptly to inquiries from applicants, lenders and brokers.
- Collaborated with underwriters to resolve any discrepancies in applicant's financial profile or documentation issues.
- Conducted quality control reviews on closed files ensuring compliance with state and federal regulations.
- Reviewed credit reports and financial information to evaluate creditworthiness of applicants.
- Updated customers regularly on status of their loans throughout the processing period.
- Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
- Submitted loan applications to underwriting department for review and approval process.
- Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.
- Verified accuracy of closing figures prior to disbursement of funds.
- Analyzed loan applications and supporting documents to determine eligibility for approval.
- Adhered strictly to company policies when completing tasks associated with loan processing duties.
- Reviewed appraisals to ensure accuracy of value estimates.
- Researched escalated problems related to loan processing activities.
- Reviewed loan applications for accuracy and completeness.
- Maintained complete confidentiality of submitted information according to release guidelines.
- Created and completed loan submission packages.
- Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.
- Reviewed initial client documentation to structure and submit loan package.
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Reviewed borrower payment histories and escrow ledgers to identify and correct misapplied payments.
- Conducted compliance checks of modification files against federal guidelines, flagging missing disclosures for remediation.
- Resolved escalated borrower inquiries by researching account history and issuing clear written explanations.
Education
High School Diploma
HIGH SCHOOL DIPLOMA
Skills
Self-Directed
Excellent Oral and Written Communication Skills
Time Management
Analytical Skills
Financial Data Analysis
Application Process Management
Dedicated Work Ethic
Loan Servicing
Document Management
Quality Assurance
Process Improvement
Training Development
Client Relations
Data Management
Regulatory Compliance
Problem Solving
Risk Assessment
Loan Underwriting
Adaptability
Attention to Detail
Empathy
Team Collaboration
Negotiation Skills
Loan servicing
Consumer lending
Banking
Documentation review
Credit analysis
Loan underwriting
Financial statement analysis
Mortgage lending
Collateral evaluation
Credit scoring
Teamwork
Teamwork and collaboration
Customer service
Problem-solving
Time management
Attention to detail
Problem-solving abilities
Multitasking
Multitasking Abilities
Reliability
Excellent communication
Customer service-focused
Organizational skills
Team collaboration
Effective communication
Adaptability and flexibility
Verbal and written communication
Decision-making
Client relationship building
Customer relations
Relationship building
Active listening and learning
Microsoft office
Oral and written comprehension
Data entry
Loan processing coordination
Task prioritization
Analytical and critical thinking
Self motivation
Creditworthiness determination
Computer literacy
Risk assessment
Credit history review
Goal setting
Document review
Professionalism
Document analysis
Loan file maintenance
Time management abilities
Continuous improvement
Written communication
Eligibility determination
Financial auditing
Relationship management
Adaptability
Application review
Process improvement
Personal Information
Title: Mortgage Professional
Timeline
Loan Reviewer III
SoFi
06.2026 - CurrentRead More
LOAN PROCESSOR
Truehold
01.2026 - 05.2026Read More
MORTGAGE LOAN PROCESSOR
Digital Risk
01.2025 - 01.2026Read More
ASSUMPTION LOAN PROCESSOR
Freedom Mortgage
01.2023 - 07.2024Read More
MORTGAGE LOAN PROCESSOR
Trust
01.2018 - 07.2022Read More
MORTGAGE UNDERWRITER
Bank of America
05.2012 - 12.2017Read More
HOME SERVICE SPECIALIST
Bank of America
01.2010 - 05.2012Read More
Professional Formation
HIGH SCHOOL DIPLOMA
Read More
Professional Formation
High School Diploma
Read More