April Smith
Cypress,TX
Summary
- Highly detail-oriented and organized loan processor with 7+ years of experience in a fast-paced environment.
- Proficient in assisting qualified applicants with obtaining loans in a timely manner.
- Extremely organized and capable of maintaining complex loan records.
- Have a strong working knowledge of VA Portal to order certificates of eligibility and the order of VA appraisals.
- Proven track record of addressing customer needs
- Great team player and have ability to maintain quality of work even during times of high volume.
- The ability to cultivate trustworthy relationships with all parties and abide by all regulations and laws.
Overview
5
5
years of professional experience
Work History
Senior Mortgage Loan Processor (Remote)
American Advisors Group
Irvine, CA
08.2021 - 03.2022
- Perform a thorough review and analysis of borrower’s credit, income and assets, appraisals, title and insurance information as required by loan program before submitting the file to underwriting.
- Provide support to loan officer and underwriting teams by ensuring the timely, judicious and accurate processing of mortgages.
- When requested, directly communicate with customer in writing and by telephone to obtain missing documentation required for the loan.
- Expertise in conforming and non-confirming loans, Fannie Mae & Freddie Mac Guidelines, FHA, VA
- Manage a pipeline of about 40 loans effectively with 25+ loan closings per month.
- Perform other duties as needed or assigned by management.
Sr Mortgage Loan Processor (Remote)
Loan Depot
Foothill Ranch, CA
01.2021 - 06.2021
- Submit mortgage loan application files for underwriting approval, and creates and mails approval or denial letters to applicants.
- Communicate with various companies to obtain vendor information including, but not limited to, verification of employment, flood certificate, title commitment, and payoff information.
- Review residential loan application files to verity that application is complete and meet establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment.
- Validate appropriate documents as required by processing options such as DU/LP.
- Manage pipeline within allotted turn times.
Loss Mitigation Specialist II (Remote)
Shellpoint Mortgage/Newrez
Houston, Texas
02.2019 - 09.2020
- Processed a pipeline of 100 conventional loans (short sales and DIL) per month, engineering deals based on clients’ specific needs and financial situations.
- Initiated communications with borrowers to diagnose specific reasons for default, assess individual intent, and provide individuals with options for resolving issues.
- Served as a liaison between borrowers and lenders, collaborating with both parties to obtain optimal loans required for home purchases.
- Helped clients accomplish short sales in collaboration with attorneys, ensuring transactions follow legal procedures.
Loan Document Specialist
Russell Tobin & Associates
Milwaukee, WI
05.2017 - 12.2018
- Managed document processes by scanning, filing, and transmitting materials in line with established procedures.
- Evaluated various forms of documentation and reports by troubleshooting deficiencies and formulating corrective measures to improve the completeness of the information.
- Reviewed logged information, suggesting appropriate edits to stem the errors and maintain the accuracy and integrity of the company’s databases.
Underwriter Support Specialist (Remote)
Headway Workforce Solutions Inc
Milwaukee, Wisconsin
01.2017 - 06.2017
- Reviewed loan records, following up with lenders for missing files to ensure the documentation is complete.
- Conducted data entry tasks, recording the figures in the underwriting system to ensure the accurate, complete, and timely logging of loan information.
- Monitored mailbox inquiries to provide immediate responses and correspondence to various customer needs.
- Participated in human resources management efforts to continually improve the delivery of services, ultimately enhancing the customer experience for internal and external clients.
Education
High School Diploma -
Enterprise High School
Milwaukee, WI06.1997
Skills
- MS Office suite and proprietary mortgage processing software
- Working knowledge of FHA, FHLMC, FNMA and HUD servicing guidelines, individual state guidelines
- In-depth knowledge of real estate industry, loan underwriting and processing procedures
- MS Word, Excel, Outlook, Power Point , MS Teams, FHA Connection, different loan software (Calyx, LendingQB and Encompass) Proficient in Customer Service, Citrix, Lotus, and Mortgage software Programs (MSP)
- Analytical skills
- Closing
- Communication skills
- Credit
- Client
- Customer Service
- Documentation
- Insurance
- Leadership
- Letters
- Lotus
- Excel
- MS Office suite
- Outlook
- MS Word
- Policies
- Problem solving skills
- Real estate
- Reporting
- Workflow
Timeline
Senior Mortgage Loan Processor (Remote)
American Advisors Group
08.2021 - 03.2022
Sr Mortgage Loan Processor (Remote)
Loan Depot
01.2021 - 06.2021
Loss Mitigation Specialist II (Remote)
Shellpoint Mortgage/Newrez
02.2019 - 09.2020
Loan Document Specialist
Russell Tobin & Associates
05.2017 - 12.2018
Underwriter Support Specialist (Remote)
Headway Workforce Solutions Inc
01.2017 - 06.2017
High School Diploma -
Enterprise High School