Carla Smarrito
Mortgage Processor
Mount Ephraim,NJ
Summary
Accomplished Mortgage Processor with over 20 years' experience in the Mortgage Industry. Highest level of customer service and productivity. Diligent and resourceful financial professional skilled in client relations and loan product recommendations. Highly responsive to delivery of services and focused on customer relationship building. Achieves compliance with company policies and regulations in carrying out job functions.
Overview
11
11
years of professional experience
Work History
Loan Officer Assistant /Mortgage Loan Processor
Citizens Bank
01.2023 - 10.2023
- Increased loan application efficiency by streamlining documentation and verification processes.
- Assisted underwriters in determining loan eligibility for improved approval rates and client satisfaction.
- Managed customer relations, ensuring timely communication of loan status updates for increased client retention.
- Coordinated with loan officers to optimize pre-approval process, resulting in smoother overall experience for clients.
Mortgage Processor
Caliber Home Loans
01.2017 - 12.2022
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Ensured accuracy of loan documentation, meticulously cross-checking figures and calculations before submission for approval.
- Enhanced customer experience by proactively addressing potential issues during application process, resulting in increased client satisfaction and referrals.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
Mortgage Processor
Wells Fargo Home Mortgage
10.2012 - 12.2016
- Achieved higher success rate in closing loans by maintaining open communication channels between all parties involved in transaction process.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Processed mortgage loan applications accurately and successfully for over 20 years.
Education
High School Diploma -
Audubon Junior/Senior High School
Audubon, NJ06.1997
Skills
- Mortgage industry professional with loan processing experience and comprehensive knowledge of conventional and government loans
- Thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from pre-approval to closing
- Computer Savvy in MS Office and proprietary mortgage processing software
- Loan processing expertise with Conforming & Non-Conforming Loans, Jumbo Loans, New Construction, Fannie Mae & Freddie Mac Guidelines, FHA, VA, USDA, NJHMFA Bond Loans, Police & Fire
- Provides support to Loan Officer and Underwriter team by ensuring the timely, judicious and accurate processing of mortgages
- Review and verify borrowers' income, credit reports, employment history, property appraisal, title, and homeowner insurance to prepare loan applications for underwriting submittal
- Ensure Compliance with company polices underwriting guidelines and lending program requirements
- Provided completed file to underwriting for final approval and coordinated effectively with closing departments to ensure smooth settlements
- Regulatory Compliance Documentation Expert for Government Loans
- Highly Experienced with Automated Underwriting Systems; such as DU, LP, GUS, FHA Connection, & VA Portal
Referrals
available upon request
Achievement Highlights
- Regarded as one of the companies most productive loan processors, handling an average pipeline of 50-60 files.
- Outperformed company average in achieving loan processing turnaround times and quality submissions with high approval ratings.
- Provided expedient service cited as key to consistently high customer satisfaction and maintains highest customer loyalty scores.
- Successfully processed some of the most challenging loan applications for top producing Loan Officers.
Timeline
Loan Officer Assistant /Mortgage Loan Processor
Citizens Bank
01.2023 - 10.2023
Mortgage Processor
Caliber Home Loans
01.2017 - 12.2022
Mortgage Processor
Wells Fargo Home Mortgage
10.2012 - 12.2016
High School Diploma -
Audubon Junior/Senior High School
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