Kenya Livermore
New York,NY
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
22
22
years of professional experience
Work History
Loan Processor
Department of Commerce Federal Credit Union
Washington, DC
05.2021 - Current
- Reviewed credit reports and financial information to evaluate creditworthiness of applicants.
- Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
- Communicated with customers via telephone or email to obtain additional documentation required for loan processing.
- Explained the various types of loans available and advised on the best product suited for customer's needs.
- Submitted loan applications to underwriting department for review and approval process.
- Maintained accurate records in computer database system during loan origination process.
- Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.
- Reviewed appraisals to ensure accuracy of value estimates.
- Collaborated with underwriters to resolve any discrepancies in applicant's financial profile or documentation issues.
- Compiled closing packages containing all necessary documents required for funding.
- Verified accuracy of closing figures prior to disbursement of funds.
- Monitored progress of each loan application from start to finish ensuring timely completion.
- Updated customers regularly on status of their loans throughout the processing period.
- Provided excellent customer service while responding promptly to inquiries from applicants, lenders and brokers.
Sr. Mortgage Loan Processor
Municipal Credit Union
Manhattan, NY
04.2016 - 05.2021
- Reviewed Commitment Letter for accuracy once file is assigned
- Examined files for correct disclosures, fee payments, SSN, dates of birth, property address, title vesting etc
- Reviewed DU findings and Re-run as applicable.
- Assess the loan estimates, updates fees, if required, and re-discloses, as necessary.
- Made introductory call to Applicant, discussed loan program type/term, advised Applicant of items needed to complete the loan file and the steps in the process.
- Send commitment package to Applicant
- Completed third party order outs (Appraisal, flood certification etc.)
- Send initial loan package to assigned attorney.
- Reviewed/evaluated all documentation received for accuracy and completeness. Identify any problem areas (change in DTI or LTV or title issues etc.)
- Tracked outstanding documents and follow-up with Member, MLO, assigned attorney and third party vendor(s)
- Completed preliminary review of appraisal and title report when received.
- Conduct weekly meeting with MLO to review pipeline and status of loans.
- Completed loan profiles (pre-underwriting sheets and document checklist)
- Submitted conditions received and validated to Underwriting promptly for review and clearance.
- Complete verbal verification of employment.
- Contacted Applicant and MLO once file is cleared to close and advice of the next steps.
- Send final closing instructions to attorney and forward file to Closing to prepare closing package and add loan to Closing Calendar on the shared drive.
Mortgage Loan Processor
Municipal Credit Union
New York, NY
02.2006 - 04.2016
- Reviewed Commitment Letter for accuracy once file is assigned
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Sends commitment package to Member
- Completed Third party orders (appraisal, flood certification etc.)
- Send initial loan package to assigned attorney.
- Reviewed all documentation and follow-up as necessary for all outstanding items
- Completed preliminary review of appraisal and title report
- Worked with third-party vendors to address and clear loan closing requirements.
- Submitted completed loan applications, including recommendations for underwriting approval or denial.
- Completed verbal verification of employment
- Forward conditions received to Underwriting promptly upon receipt and validation.
- Contacted Applicant and MLO once file is cleared to close (CTC)
- Send final closing instructions to attorney and forward file to Closing to prepare closing package
Contact Center Representative
Municipal Credit Union
New York, NY
12.2002 - 02.2006
- Initiate inter-department service request, system request, faxes and journal entry transactions to satisfy member’s inquiries.
- Answer incoming customer telephone calls in a call center environment. Responded to customer inquiries via telephone/internet by providing customers with detailed information expeditiously
- Delivered fast, friendly and knowledgeable service for routine questions and service complaints.
- Documented customer inquiries and feedback, including service delivery suggestions in company database.
Education
Certification -
Strive/East Harlem Employment Services
New York, NY05.2002
High School Diploma -
Julia Richmond High School
New York, NY06.1993
Skills
- Leadership
- Customer Service
- Coordination
- Clerical
- Application preparation
- Microsoft Word, Excel, Outlook
- Type over 40 WPM
- Data Entry
Timeline
Loan Processor
Department of Commerce Federal Credit Union
05.2021 - Current
Sr. Mortgage Loan Processor
Municipal Credit Union
04.2016 - 05.2021
Mortgage Loan Processor
Municipal Credit Union
02.2006 - 04.2016
Contact Center Representative
Municipal Credit Union
12.2002 - 02.2006
Certification -
Strive/East Harlem Employment Services
High School Diploma -
Julia Richmond High School
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