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, ILSkills
- 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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