Summary
Overview
Work History
Education
Skills
Timeline
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Charlene Wohlhart

Cortland,IL

Summary

Highly detailed-oriented and organized loan processor with 15+ years of experience in a fast past environment.

Successfully assisted qualified applicants with obtaining a home loan..

Proficient with various loan products including but not limited to- VA FHA, USDA.

Excellent oral and written communication skills.

Working knowledge of computer programs including DU and LP.

Experienced with various loan processing software.

Experienced as a Loan Processor, Account Manager and Underwriter.

Overview

23
23
years of professional experience

Work History

Patient Advocate/Member Services

United Health Care:
10.2022 - Current
  • Responded to patient concerns and questions with compassionate and knowledgeable service.
  • Worked effectively with staff from all departments to coordinate resolutions.
  • Entered details into computer systems and managed database of information.
  • Educated patients and families on healthcare options and financial support resources.
  • Assisted members with claim inquiries
  • Handle incoming calls from members from 4 different states
  • Facilitated communication between patients, families and healthcare providers to support comprehension.
  • Address Verbal Grievances and assist with resolutions.
  • Review and explain EOC and EOB with members
  • Address and explain pharmaceutical questions
  • Team Player

Account Manager

New Rez/Caliber Home Loans
09.2020 - 01.2022
  • Addressed problems with accounting, billing, and service delivery to maintain and enhance client satisfaction.
  • Built and strengthened long-lasting client relationships based on accurate price quotes and customer-centric terms.
  • Educated clients on new products or services to increase customer engagement with brand.
  • Facilitated client satisfaction and renewed customer relations to drive growth.
  • Handled any conditions sent from underwriting departments.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
  • Set up and completed loan submission packages.
  • Processed mortgage loan applications accurately and successfully for over 20 years.
  • Analyzed borrower credit reports and income statements to verify accuracy.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Upheld complete confidentiality of all submitted information according to release guidelines.
  • Maintained accurate records of loan processing activities and documents in CRM system.

Loan Processing Manager

Lakeside Processing
11.2008 - 07.2020
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Processed loan applications and monitored progress from start to finish.
  • Assisted customers with completing loan applications and other paperwork.
  • Researched and updated industry knowledge on changing legislation and regulations.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Assessed loan portfolios for compliance with underwriting policies.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Explained very technical financial information to applicants in easy to understand language.
  • Monitored pipelines to track and log status of loans.

Head Underwriter

Washington Mutual Bank
10.2000 - 09.2008
  • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
  • Made approval and denial recommendations by determining accurate risk levels.
  • Built strong relationships with lenders, brokers and clients for constructive communications.
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Evaluated loan applications for affordability and conformance with underwriting guidelines.
  • Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
  • Determined and documented loan conditions and communicated requirements and decisions.
  • Examined credit reports, financial statements and tax returns to determine repayment capability.
  • Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
  • Monitored market conditions and economic trends to identify and limit potential risks.
  • Ascertained application viability by verifying collateral values, title reports and appraisals.
  • Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
  • Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
  • Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
  • Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.

Education

No Degree - Business Finance

Loyola University
Chicago, IL

Skills

  • Interdepartmental Collaboration
  • Highly Organized and excellent Time Management
  • Knowledgeable in FNMA, FHLMC, FHA, VA
  • Relationship Building with all parties to the transaction
  • Currently enrolled in an MLO class
  • Extensive knowledge of loan processing and underwriting procedures
  • Experience with analyzing income and credit
  • Excellent Customer Service skills
  • Decision-Making Abilities
  • Loan Processing Proficiency
  • Closing Coordination Mastery

Regulatory Compliance Knowledge

  • Time Management Capabilities
  • Strong Communication Skills
  • Ethical Conduct and Integrity
  • Documentation Review Competence
  • Credit Evaluation Abilities
  • Financial Document Review
  • Document Review

Timeline

Patient Advocate/Member Services

United Health Care:
10.2022 - Current

Account Manager

New Rez/Caliber Home Loans
09.2020 - 01.2022

Loan Processing Manager

Lakeside Processing
11.2008 - 07.2020

Head Underwriter

Washington Mutual Bank
10.2000 - 09.2008

No Degree - Business Finance

Loyola University

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