ANTOINETTE BROUSSARD
Houston,TX
Summary
Detail-oriented Loan Processor with 25 years of experience in processing an average of 25 loans per month with a 95% accuracy rate. Collaborated with underwriters and loan officers to resolve discrepancies and issues, resulting in a 15% increase in loan approvals and a 20% decrease in loan denials. Implemented a new loan tracking system, resulting in a 25% increase in loan status visibility and a 30% decrease in communication errors.
Overview
29
29
years of professional experience
Work History
Loan Operations Specialist
Insperity/Unity National Bank
05.2023 - 02.2024
- Processed Lending Related Payments, including payment corrections within the department
- Researched and resolved complex inquiries from internal and external customers
- Processed Incoming and Outgoing Wires, including completing Loan Advancements
- Completed SBA Loan payments using the 504 report and the block system
- Index and image loan documents
- Completed Loan Servicing payments for Participation Loan
- Reconciled the General Ledger on Daily Basis
- Enter and Updated Loan Information in our Loan System
- Completed Syndication payments and worked with the lender to ensure that all Portfolio loans that were touched was current and accurate, which included updating monthly interest rates and terms of each loan
- Wrote Step by Step guidelines to assist trainees in the Loan Servicing department
- Attended to Loan Servicing emails by responding to Customers and Lenders via email response within 30 minutes or less per company policy
- Assisted with Lien Releases, Escrow Payments and Loan Payoff Statements.
Default Escalations Specialist
Sourcepoint Mortgage/ Freedom Mortgage
08.2018 - 05.2022
- Performing a general evaluation of an application (financial documents, mortgage type etc.)
- Manage Loan Portfolios with a caseload between 60-70 cases monthly
- Collect homeowners mortgage payments, taxes and mortgage insurance
- Help Homeowners in default to get current
- Recorded collateral documents as needed
- Ordered Homeowners Insurance, Appraisal and Title commitments and reviewed for accuracy
- Requested VA Appraisal thru VA Weblgy, FHA Appraisal and Conventional Appraisal for current value
- Monitors pipeline to ensure all closing dates and deadlines are met.
Commercial Loan Consultant
Pacific Union Financial and Goldman Sachs(Sutherland Mortgage)
02.2018 - 08.2018
- Performing a general evaluation of an application (financial documents, mortgage type etc.)
- Verify information and references by contacting the right sources
- Act as point of contact between loan officers, underwriters and clients
- Calculate DTI, Calculated Funds to Close and Reserves
- Collected the final documents for final underwriting approval
- Ordered Homeowners Insurance, Appraisal and Title commitments and reviewed for accuracy
- Monitors pipeline to ensure all closing dates and deadlines are met
- Order closings documents for each file in your pipeline
- Completed Initial Closing Disclosers.
Post Closer
Envoy Mortgage
10.2015 - 11.2017
- Reviewed closed loans for accuracy
- Request updates on Mortgage and Notes
- Recorded correct documents (Mortgages)
- Updated Post-Closing Files for purchasing.
Sr. Loan Coordinator/ Processor
GuaranteedRate.com
05.2015 - 09.2015
- Reviewed approved loans with conditions with borrower and loan officer
- Calculate DTI, Calculated Funds to Close and Reserves
- Prepared and Submitted a Loan Approval with Conditions to borrower
- Collected the final documents for final underwriting approval
- Ordered Homeowners Insurance and Title commitments and reviewed for accuracy
- After final Underwriting Approval, Submitted file to closing thru Encompass
- Reviewed HUD for accuracy.
Loss Mitigation Specialist
Aerotek (Temp Agency)
03.2013 - 02.2015
- Maintaining timely processing for various administrative aspects
- Workflow included production, intake and review of Modifications, Partial Claims, Deferments Quality control the incoming document
- Order Credit report and Tax Transcripts thru Landsafe
- Assisted with underwriting, modification
- Recorded or Re-Recorded Financial Collateral Documents as needed.
Loan Processor
Broussard Processing Services
04.2009 - 03.2013
- Supervise 3 employees
- Prepare loan files for a variety of Mortgage Brokers
- Manage the quality control of documents to ensure compliance with regulations and policies
- Contact lenders to gather quality information in order to better serve the customers
- Prepare, maintain, and review purchasing files
- Compare pricing and interest rates from lenders to make a qualified decision for the sale of the loan
- Ordered and reviewed Title Policies/ Title Commitments for accuracy
- Ordered and reviewed appraisals
- Ordered and reviewed surveys.
Senior Loan Processor
OSF Financial Services, Inc., Mortgage Services
07.1995 - 04.2009
- Trained staff on the salesmanship of mortgage loans
- Ensured new mortgages were processed and completed in compliance with regulations
- Generated credit reports, appraisals, and other documentation according to loan status
- Ensured integrity of data entered into system
- Managed pre-closing activities simultaneously with processing activities of the loan transitions
- Maximized customer service and satisfaction through effective marketing plans
- Advised new mortgage brokers on how to start-up their Sales department.
Education
B.B.A. in Marketing -
Texas Southern University
12.2013
Associate Of Applied Business - Mortgage Banking
Houston Community College
Houston, TX05.1994
High School Diploma - General Studies
Eisenhower High School
Houston, TX05.1991
Skills
- Driven with emphasis on customer satisfaction and highly motivated to meet Customer Service with Professionalism
- Results-oriented and Self- Motivated as a problem solver with a keen eye for detail
- Proven ability as a team leader in production with high time management skills
- Strong communication skills, both written and verbal
- Works well independently or in a team environment
- Proficient in Microsoft Word, Excel, Access, Encompass 50 and Calyx, Max (Processor System), E doc Magic, Empower, Black Knight Software, Fiserve (Navigator)
- Connected with FHA Connection, VA Home Loan Portal , DU, LP
- Handled between 65-70 loans monthly, with a high dependability in completions
Phone - Cell
832-896-0690
Timeline
Loan Operations Specialist
Insperity/Unity National Bank
05.2023 - 02.2024
Default Escalations Specialist
Sourcepoint Mortgage/ Freedom Mortgage
08.2018 - 05.2022
Commercial Loan Consultant
Pacific Union Financial and Goldman Sachs(Sutherland Mortgage)
02.2018 - 08.2018
Post Closer
Envoy Mortgage
10.2015 - 11.2017
Sr. Loan Coordinator/ Processor
GuaranteedRate.com
05.2015 - 09.2015
Loss Mitigation Specialist
Aerotek (Temp Agency)
03.2013 - 02.2015
Loan Processor
Broussard Processing Services
04.2009 - 03.2013
Senior Loan Processor
OSF Financial Services, Inc., Mortgage Services
07.1995 - 04.2009
B.B.A. in Marketing -
Texas Southern University
Associate Of Applied Business - Mortgage Banking
Houston Community College
High School Diploma - General Studies
Eisenhower High School
Similar Profiles
Carlos Manuel Ojinaga ArellanoCarlos Manuel Ojinaga Arellano
Customer Service Representative at National UnityCustomer Service Representative at National Unity
MADHURI BHATTMADHURI BHATT
Patient Coordinator at AUSTRALIAN UNITY/NATIONAL DENTAL CAREPatient Coordinator at AUSTRALIAN UNITY/NATIONAL DENTAL CARE
FAUZI WAHIDFAUZI WAHID
Volunteer Team Leader at Student Volunteer Foundation, Ministry Of National UnityVolunteer Team Leader at Student Volunteer Foundation, Ministry Of National Unity
Chukwunyereze EneChukwunyereze Ene
Chart Retrieval Specialist at EpisourceChart Retrieval Specialist at Episource
Daniel PerezDaniel Perez
Medical Lab Technician (Lead Tech) at HCA Clear Lake Regional Medical CenterMedical Lab Technician (Lead Tech) at HCA Clear Lake Regional Medical Center