Caitlin Townsend
Mortgage Processor
632 NW 233rd Ter, Newberry,FL
Summary
Results-driven Mortgage Loan Processor with a strong background in banking and finance, focusing on financial data analysis and compliance. Proven success in improving operational efficiency and customer satisfaction through streamlined processes. Capable of thriving in high-pressure environments while leading initiatives to enhance loan processing workflows.
Overview
14
14
years of professional experience
1
1
Certification
Accomplishments
- Maintains zero percent error rate on loan disclosures and document production.
- Exceeds production goals for department.
- Administers new Processor training.
- Lead ongoing training courses for team, as needed.
- Instrumental in creating processing procedures for department.
- Audit closing documentation and maintain accurate reports for team quality assurance.
Skills
- MeridianLink Consumer and MeridianLink Mortgage - LendingQB fluency
- Effective time management and prioritization
- Federal regulation compliance expertise
- Loan processing and loan closing proficiency
- Exceptional communication skills and adeptness with third-party vendor coordination
- Title examination, condition sign-off, document preparations, scheduling, and funding authorization processes
- Document management systems with outstanding organizational skills
- Customer relationship management and conflict resolution strategies
- Self-driven motivation, detail orientation, problem-solving skills, and multitasking capabilities
- Process optimization and pipeline management
- Independent and team collaboration abilities
- Error correction in calculations and documentation ensures quality assurance
- Proficient with the Microsoft Office suite of products, Adobe, and processing-specific software
Work History
Mortgage Loan Processor
Radiant Credit Union
Gainesville, FL
10.2019 - Current
- Disclose and redisclose mortgage and home equity lines of credit loans within regulated time frames, achieving zero errors.
- Manage dynamic loan pipelines by prioritizing tasks to meet critical deadlines.
- Maintain accurate records in accordance with company policy and procedures. Scan and upload loan and related documents into system.
- Utilize expertise in state and federal regulations to ensure compliance and mitigate risk.
- Streamline loan processing operations, enhancing accuracy, and reducing processing times. Identify and suggest solutions to improve loan processing efficiency and customer service.
- Developed comprehensive training materials for new processors to ensure consistent onboarding experiences. Train new loan processors on company procedures and loan processing software.
- Conduct quality control reviews for processing departments' loan-closing packages to ensure accuracy. Inspect loan documentation for mistakes and correct discrepancies.
- Research discrepancies in documentation received from applicants or third parties. Coordinate with underwriters to resolve loan application issues and discrepancies when necessary.
- Communicate regularly with clients throughout the loan process, providing updates, and resolving inquiries. Educate clients regarding guidelines and adjustments of loan contracts and packages. Collect required documentation from clients, such as proof of income and employment verification.
- Order appraisals and title services on behalf of borrowers when necessary. Gather property appraisals, surveys and tax records to update mortgage loan files. Facilitate the resolution of appraisal and title issues.
- Coordinate activities among underwriters, lenders, attorneys, closing agents, realtors, appraisers, surveyors, and insurance companies, to facilitate smooth transactions.
- Manage conditions sent from underwriting department. Work with third-party vendors to address and clear loan closing requirements.
- Review HUD-1 settlement statements and Closing Disclosures prior to closings. Collaborate with closing agents to schedule and prepare for loan closings.
- Prepare and deliver loan documents to title and escrow teams. Verify that all conditions of the loan had been met prior to authorizing the disbursement of funds.
Card Services Processor
Radiant Credit Union
Gainesville, FL
05.2015 - 10.2019
- Managed vital reports to ensure a smooth workflow for credit and debit cards. Processed travel notes and mitigated processing interruptions through effective card exception handling.
- Supplied prompt notification to members of suspicious card activity, with the management of case sheets and Falcon alerts. Advised members on best practices for managing their accounts safely and securely.
- Maintained card production machinery, troubleshooting errors, and servicing equipment malfunctions, both in person and remotely. Assisted credit union staff in resolving issues with their card equipment and inventory balancing discrepancies.
- Guaranteed security of card supplies for multiple credit union locations through branch audits of card inventory.
- Ensured compliance with regulations governing debit and credit card usage through continual education of applicable laws.
- Administered accurate, swift production of instant-issue debit cards for multiple credit union branches for same-day, and next-day pickup.
- Handled member mail payments, deposits, and efficiently logged returned mail items.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service. Effectively answering questions, suggesting useful solutions, and resolving issues quickly.
Teller
Radiant Credit Union
Gainesville, FL
09.2011 - 05.2015
- Maintained balanced cash drawer with zero discrepancies on a daily basis.
- Processed customer transactions, including deposits, withdrawals, and loan payments efficiently.
- Trained new hires in cash drawer operations and teller processes as a backup head teller.
- Identified opportunities to cross-sell credit union products and services, consistently exceeding sales goals.
- Assisted with the daily reconciliation of ATM and vault balances, resolving discrepancies promptly.
Education
Associate of Arts - English
Santa Fe College
Gainesville, FL04.2013
Certification
- NMLS license
References
References available upon request.
Timeline
Mortgage Loan Processor
Radiant Credit Union
10.2019 - Current
Card Services Processor
Radiant Credit Union
05.2015 - 10.2019
Teller
Radiant Credit Union
09.2011 - 05.2015
Associate of Arts - English
Santa Fe College
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