Camille DiGiroIamo
Plainfield ,IL
Summary
Talented Loan Processor well-versed in All Loan Programs. Smooth application, underwriting and closing processes with properly prepared documentation and detailed financial histories. Offers top-notch customer relations and problem-solving abilities.
Overview
31
31
years of professional experience
Work History
Loan Account Manager
PowerTPO- Lower LLC
01.2022 - 01.2024
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Managed a high-volume pipeline of loans 100 Files, consistently meeting deadlines and maintaining accuracy in documentation.
- Pull thru ratio 85%
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Streamlined loan processing by implementing efficient workflow systems and task prioritization.
- Assisted in training junior loan processors, resulting in increased productivity across the team.
- Developed a comprehensive understanding of various lender guidelines which helped expedite loan approvals.
- Provided quick turnaround times to maintain fast-past schedule.
- Reduced loan processing time by developing and employing standardized documentation procedures.
- Coordinated seamlessly with sales teams to ensure proper alignment of expectations and timelines between clients and internal departments.
- Expedited funding process by closely collaborating with closing agents to resolve any outstanding issues promptly.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
Sr Loan Production Assistant/ Loan Processor
Lower LLC.- Homeside Financial
01.2020 - 01.2022
- Coordinated with underwriters, processors, and closers to expedite loan approvals and closings
- Resolved escalated customer issues related to application delays or discrepancies in timely manner
- Reviewed credit reports, income documentation, collateral evaluations, appraisals, title work, insurance documents before approving loans
- Restructured Loans to meet Underwriting guidelines, Calculated Income, Audited loan files for compliance
- Facilitated successful closings by coordinating with escrow agents, title companies, and other relevant parties to ensure a seamless transaction process.
- Expedited pre-approval processes for qualified applicants by efficiently assessing income levels, credit scores, and other key financial metrics.
- Supported underwriting team by gathering required information and conducting thorough credit analysis for each applicant.
- Reduced errors in documentation by implementing rigorous quality control measures, leading to smoother loan approvals.
- Collaborated with loan officers to help clients identify appropriate lending solutions based on their financial needs and goals.
- Managed a high volume of loan applications, ensuring timely completion and accuracy.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Reviewed and validated details of loan applications and closing documentation.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
Sr. Loan Processor
Loan Depot
01.2019 - 01.2020
- Verified documentation provided by clients to support loan requests
- Reviewed loan applications for accuracy and completeness
- Prepared loan packages for submission to underwriting departments
- Requested additional documentation from applicants as needed to complete loan process
- Reviewed loan applications for accuracy and completeness
- Restructured Loans to meet Underwriting guidelines Completed smoothed loan closings by collecting necessary paperwork and clearances
- Worked closely with mortgage loan officer to coordinate and request documentation from client to for smooth closings.
Sr Home Loan Processor And Loan Officer Assistant
Huntington Bank
01.2016 - 01.2019
- Verified applicants' employment history, creditworthiness, and financial stability
- Monitored pipeline reports to ensure loans were progressing through process efficiently
- Calculated borrowers' income, assets, and liabilities to determine eligibility for loan programs
- Ensured timely submission of complete loan packages to underwriting for approval
- Smoothed loan closings by collecting necessary paperwork and clearances
- Processed various types of mortgage loans, including conventional, FHA, VA, USDA, and jumbo products
- Supported customers throughout application and closing processes.
Sr Loan Processor And Sales Assistant
PNC, National City and Mid America
01.2001 - 01.2016
- Received and handled conditions returned from underwriting team
- Collaborated with loan officers, underwriters, and other team members to ensure smooth workflow
- Ensured timely processing of loan files in accordance with established guidelines and deadlines
- Smoothed loan closings by collecting necessary paperwork and clearances.
Staff Accountant
Shoppertrak RCT Corporation
01.1999 - 01.2001
- Maintain vendor records and ensure accuracy of vendor information
- Generate and send out invoices to customers accurately and on time
- Reconcile accounts receivable ledger to ensure all payments are accounted for and properly posted
- Invoice Processing: Receive, review, and process invoices from suppliers
- Prepare and process payments (e.g., checks, electronic transfers) to suppliers in a timely manner
- Vendor Management: Maintain relationships with suppliers, resolve any discrepancies or issues related to invoices or payments.
Accounts Payable And Receivable Specialist
McPower
01.1993 - 01.1999
- Maintain vendor records and ensure accuracy of vendor information
- Reconcile accounts receivable ledger to ensure all payments are accounted for and properly posted
- Maintain accurate records of all AR transactions and communications
- Work closely with the collections team to identify delinquent accounts and implement collection strategies
- Invoice Processing: Receive, review, and process invoices from suppliers, ensuring accuracy and adherence to company policies
- Payment Processing: Prepare and process payments (e.g., checks, electronic transfers) to suppliers in a timely manner
- Vendor Management: Maintain relationships with suppliers, resolve any discrepancies or issues related to invoices or payments
- Expense Reporting: Assist in the preparation of expense reports, ensuring compliance with company policies and procedures.
Education
Real Estate
LOVE REAL ESTATE SCHOOL
OnlineAssociate of Arts - Business
Morton Jr College
Cicero IL05.1989
Skills
- Time management
- Problem solving
- Ability To Work Independently
- Self-Driven
- Follow-Up
- Customer Service
- Team Training
- Vendor Relations
- Customer training
- Account verification
- Client Relationship Building
- Database Management
Timeline
Loan Account Manager
PowerTPO- Lower LLC
01.2022 - 01.2024
Sr Loan Production Assistant/ Loan Processor
Lower LLC.- Homeside Financial
01.2020 - 01.2022
Sr. Loan Processor
Loan Depot
01.2019 - 01.2020
Sr Home Loan Processor And Loan Officer Assistant
Huntington Bank
01.2016 - 01.2019
Sr Loan Processor And Sales Assistant
PNC, National City and Mid America
01.2001 - 01.2016
Staff Accountant
Shoppertrak RCT Corporation
01.1999 - 01.2001
Accounts Payable And Receivable Specialist
McPower
01.1993 - 01.1999
Real Estate
LOVE REAL ESTATE SCHOOL
Associate of Arts - Business
Morton Jr College
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