Carah VanLuven

Responsible for collaborating with loan officers to provide timely, accurate service for clients throughout entire mortgage process, prepare file from initial underwrite to final clear-to-close, handle any conditions sent from underwriting departments, work as each borrower's documentation specialist, analyze and request accurate paperwork for a smooth and simple process, all while receiving on-going, comprehensive training on home loan products and programs, and the mortgage process for each

Responsible for processing mortgage files from beginning to end, ordering and reviewing title policies and appraisals, submitting approval for PMI, requesting verification of employment, clearing conditions, coordinating closing schedules, disbursing loan funds, and performing initial audits while maintaining open communication with realtors, third parties, and members

Responsible for originating, reviewing, processing, approving, and closing consumer loan proposals, assisting call center and indirect lending departments, training incoming loan officers, creating and maintaining job aids for the department, all while maintaining a positive environment that is comfortable and opening for members and coworkers

Responsible for completing loan analysis, using creative thinking for problem loans and delivering loan denials, educating members on services and insurances, training coworkers on word tracks and acknowledging sales opportunities from credit reports and account activity, and cross selling beneficial services to improve the financial well-being of members

Responsible for training team members and creating a positive work environment, decisioning loan applications, determining customer budgets (debt to income ratio, payment to income ratio, unsecured debt ratios, etc.), completing accurate verifications, analyzing credit reports and applications, entering essential data, maintaining excellent dealer relations and a strong portfolio, and establishing long lasting relationships with customers