Summary
Overview
Work History
Education
Skills
References
Timeline
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Bethany Joseph

Summary

Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.

Overview

13
13
years of professional experience

Work History

Mortgage Loan Processor

CROSSCOUNTRY MORTGAGE, LLC
10.2021 - 01.2024
  • Affirmed loan documents accuracy to protect lenders from potential fraud
  • Analyze credit reports to assess risk and determine applicants' ability to repay loans
  • Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility
  • Liaised with credit bureaus, employers, and other sources to check applicants' credit and personal references
  • Provided professional advice on loan applications by interviewing applicants, reviewing applications, and verifying information gathered
  • Interviewed loan applicants to obtain personal and financial data to assist in completing applications
  • Communicated acceptance or rejection to applicants via mail, email, telephone, or personal consultations
  • Calculated debt-to-income rations to determine maximum loan amounts and avoid overextending applicants
  • Work with customers in persona and via telephone to answer questions, process transactions, and resolve issues
  • Improved loan processing time by streamlining the application review process and enhancing communication with clients.
  • Improved overall organizational efficiency by maintaining accurate electronic files of all mortgage-related documents within company databases.
  • Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
  • Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
  • Enhanced client satisfaction by providing timely updates on their mortgage loan status and addressing concerns promptly.
  • Facilitated smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.
  • Increased accuracy of loan data entry by implementing a standardized template for collecting borrower information.
  • Expedited mortgage approval times by proactively resolving any discrepancies in borrower documentation.

Mortgage Loan Processor

TOWNE BANK MORTGAGE
01.2017 - 10.2021
  • Improved loan processing time by streamlining the application review process and enhancing communication with clients.
  • Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
  • Reduced loan application errors by implementing a thorough quality control process for all submitted applications.
  • Enhanced client satisfaction by providing timely updates on their mortgage loan status and addressing concerns promptly.
  • Facilitated smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.

Compliance Pipeline Team Member

TOWNE BANK MORTGAGE
08.2013 - 01.2017
  • Process pre-qualification applications and review denied applications for compliance with all applicable rules, regulations, and best practices
  • Audit detailed information related to mortgages that have been denied, canceled, or withdrawn
  • Ensure that all documentation is accurate and complete
  • Follow up on canceled and withdrawn mortgages to cancel flood orders, reconcile fees, and resolve other outstanding logistics in order to move forward appropriately
  • Generate and prepare documentation, including Notice of Items Needed letters for borrowers; fee notices; and other notices, requests, and correspondence
  • Analyze mortgage applications to ensure compliance with all state and federal regulations
  • Knowledge of state and federal laws (Equal Credit Opportunity Act, Real Estate Settlement Procedures Act, Regulation Z, Truth in Lending, Bank Secrecy Act, Privacy; Fair Lending).
  • Enhanced team efficiency by streamlining communication and implementing effective collaboration tools.
  • Boosted overall productivity by identifying areas for improvement and developing targeted strategies.
  • Contributed to a positive work environment by consistently demonstrating professionalism, adaptability, and strong interpersonal skills.
  • Exceeded performance goals through diligent task completion, attention to detail, and consistent follow-through on assignments.
  • Provided exceptional support to colleagues by sharing knowledge, offering assistance, and fostering teamwork.

Assistant Catering Manager

CHEF BY DESIGN CATERING COMPANY
01.2011 - 01.2013
  • Worked closely with customers to ensure their complete satisfaction
  • Responded to inquiries, scheduled appointments, and tastings, and resolved customer concerns
  • Developed client proposals for catering various events
  • Negotiated proposal terms, generated accurate invoices, and collected client payments
  • Scheduled and supervised staff, including bartenders and servers
  • Enforced industry regulations and best practices to ensure the safety of clients and their guests
  • Identified and managed outside vendors, working with multiple points of contact to coordinate complex, detail-oriented events that meet each client's needs and expectations.
  • Enhanced customer satisfaction by efficiently managing catering events and ensuring timely service.
  • Streamlined event planning processes for improved client experience and increased repeat business.
  • Led a team of catering staff in providing exceptional service, fostering a positive work environment.
  • Developed strong relationships with vendors, negotiating favorable contracts for food and supplies.
  • Oversaw event setup and teardown, ensuring seamless transitions between functions.

Education

High School Diploma -

Fairhaven High School
Fairhaven, MA

No Degree - Healthcare Administration

University of Phoenix
Tempe, AZ

Skills

  • Proficient in Encompass
  • Financial Analysis
  • Team Collaboration
  • Relationship Building
  • Problem Solving
  • Document Review
  • Time Management
  • Strong Communication
  • Attention to Detail
  • Data Entry Accuracy
  • Organizational Skills
  • Mortgage Loan Processing

References

References available upon request.

Timeline

Mortgage Loan Processor

CROSSCOUNTRY MORTGAGE, LLC
10.2021 - 01.2024

Mortgage Loan Processor

TOWNE BANK MORTGAGE
01.2017 - 10.2021

Compliance Pipeline Team Member

TOWNE BANK MORTGAGE
08.2013 - 01.2017

Assistant Catering Manager

CHEF BY DESIGN CATERING COMPANY
01.2011 - 01.2013

High School Diploma -

Fairhaven High School

No Degree - Healthcare Administration

University of Phoenix

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