Caleb Roth

Hired to originate conventional, government, and down payment assistant (DPA) mortgage loans through retail, correspondent, and broker channels. The role expanded to completing the process from pre-approval to sale of loan (end-to-end) on the mortgage loans and adding in consumer loan origination (2022) for personal and auto loans for the bank on a daily basis. Both roles are accountable for taking loan applications by meeting with customers in person, over the phone or through email and continuing a line of communication throughout the entire loan process to gather all necessary documentation for loan salability in a timely manner. Both roles require being responsible in verifying employment, assets, and scheduling closings, conducting closings and other duties as assigned.

Mortgage/Consumer Lender

• Originate and process all mortgage loans from loan application through loan funding
• Evaluated consumer credit applications to determine eligibility and risk levels
• Developed tailored loan solutions based on client needs and financial situations
• Accurately prepare loan documents for customers in a timely manner that meet all mortgage rules and regulations
• Order and review all titles commitments, appraisals and all verification documentation associated with loans
• Review and update all borrowers’ income, credit, employment history and assets for accuracy needed for underwriting approval
• Update underwriting findings and review findings to ensure all documentation needed is in loan file
• Submit loan files to Broker and Correspondent Underwriter for loan approval and fulfill any outstanding loan conditions
• Balance with title companies and provide closing disclosure to borrower in timely manner
• Fund loans and pay all invoice associated with the mortgage closing
• Provided exceptional customer service by promptly addressing concerns, answering inquiries, and resolving issues related to loan applications or account management

Loan Specialist

• Prepare loan documents for ag and commercial loan officers
• Board loans and disburse funds as needed for other loan officers in the bank
• Twice a year review all ag and commercial lines of credit for all documents needed in file
• Record all deeds of trusts, UCC and EFS filings needed for loans
• Update past due list for all past due loans throughout the bank on a weekly basis
• Input balance sheet and cash flow into Lending Cloud for Ag and Commercial lenders
• Complete annual escrow analysis for all bank serviced loans
• Issue tax, insurance, and PMI checks on all serviced loans

• Processed mortgage applications for various loan types, including conventional, USDA, VA and FHA, ensuring compliance with regulatory guidelines and internal policies
• Collaborated with loan officers and borrowers to gather necessary documentation and resolve borrower inquiries.
• Consistently maintained a pipeline of 30-40 loans
• Prepare loan documents needed for borrowers in a timely manner meeting all rules and regulations
• Examine borrowers credit reports and current debt obligations
• Reviewed financial documents for accuracy, identifying discrepancies to maintain quality standards.
• Order and review all appraisal and title commitments on assigned loans
• Submit loans through DU and GUS to ensure all documents and information required for loan approval have been received
• Managed communication between borrowers, loan officers, underwriters, and closing teams to facilitate timely loan closings
• Adhere to all regulatory and investor guidelines