Summary
Overview
Work History
Education
Skills
Timeline
Generic

Chastity Johnson

Mortgage Loan Processor
Oneonta,AL

Summary

Knowledgeable Loan Processor bringing 25+ years of experience in banking and financial positions. Highly skilled in working well with people of all backgrounds to complete loan packages. Adept at building loyalty and trust between bank and customer. Goal-driven Loan Processor highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. Multi-talented loan processing professional versed in customer service and bank standards. Excellent communicator and decision-maker with a strong eye for detail and a proactive nature. Successfully manages high volumes of loan documentation in fast-paced environments with demanding productivity, funding and customer satisfaction targets. Familiar with verifying tax, credit, employment, loan, personal and residential histories. Comfortable working alone or with team members to accomplish tasks and enhance processes. Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Hardworking employee with customer service, multitasking and time management abilities. Devoted to giving every customer a positive and memorable experience. Organized and motivated employee eager to apply time management and organizational skills in various environments. Seeking entry-level opportunities to expand skills while facilitating company growth.

Overview

25
25
years of professional experience

Work History

Loan Processor

Delaware Life/Insight Global
Atlanta, GA
01.2024 - Current
  • Reviewed annuity contracts to ensure compliance with state regulations.
  • Prepared documents for annuity applications, including financial statements, tax returns, and other required materials.
  • Routing applications to appropriate departments based on accuracy of application .

Senior Mortgage Loan Processor

Prosperity Home Mortgage
Chantilly, VA
03.2019 - 09.2024
  • Reviewed and verified loan documents to ensure accuracy and compliance with company policies and procedures.
  • Analyzed applicant financial status, credit history and property appraisal to determine feasibility of granting loans.
  • Resolved document discrepancies with customers in order to complete loan applications accurately.
  • Prepared loan packages for underwriting, including ordering title reports, credit reports, appraisals, verifications of employment and other documentation as required.
  • Actively monitored the daily pipeline to ensure timely closings of loans in process.
  • Maintained regular contact with customers throughout the loan process providing updates on progress made or any needed information or documentation.
  • Assisted Loan Officers in resolving customer issues related to their mortgages by troubleshooting potential solutions or escalating them when necessary.
  • Managed a high volume of incoming calls from customers inquiring about their mortgage application status.
  • Scanned and uploaded loan and related documents into system.
  • Worked with third-party vendors to address and clear loan closing requirements.
  • Checked applicant credit, personal references and employment histories.
  • Ordered property insurance or mortgage insurance policies to protect against loss on mortgaged property.
  • Checked value of customer collateral to hold as loan security.

Senior Mortgage Loan Processor

Primemax Mortgage Group
Gasden, AL
11.2018 - 03.2019
  • Reviewed and evaluated loan applications to ensure accuracy, completeness, and compliance with state and federal regulations.
  • Processed loan documents in a timely manner to meet closing deadlines.
  • Coordinated document preparation with attorneys, title companies, lenders, and other third parties as needed.
  • Verified credit reports for accuracy and completeness prior to loan approval.
  • Analyzed income documentation including pay stubs, W2s, tax returns, bank statements. to determine borrower's ability to repay the loan.
  • Responded promptly to customer inquiries regarding their loan status and requirements.
  • Reviewed appraisals for accuracy before underwriting loans for approval or denial.
  • Ensured that all required paperwork was completed accurately and timely by both parties.
  • Monitored progress of loans throughout the entire origination process from pre-qualification through post-closing activities.
  • Collaborated closely with underwriters when reviewing files for final approval.
  • Managed conditions sent from underwriting departments.
  • Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
  • Checked approvals against established bank and government lending standards.
  • Upheld compliance with privacy and security requirements, as well as federal statutes covering VA loans.
  • Calculated income, assets and liabilities to meet lender requirements.
  • Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.
  • Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
  • Contacted credit bureaus, employers and other sources to check applicants' credit and personal references.
  • Answered questions and advised customers regarding loans and transactions.
  • Scanned and uploaded loan and related documents into system.
  • Ordered property insurance or mortgage insurance policies to protect against loss on mortgaged property.
  • Reviewed customer accounts to determine on-time payments and loan terms compliance.
  • Assembled and compiled title abstracts, insurance forms, loan documents and tax receipts.
  • Checked applicant credit, personal references and employment histories.

Senior Mortgage Processor

Compass Bank
Birmingham, AL
06.2015 - 11.2018
  • Reviewed and verified loan applications for accuracy, completeness, and compliance with underwriting guidelines.
  • Analyzed credit reports to determine borrowers' financial status and capacity to repay mortgage loans.
  • Assisted in the preparation of closing documents including final title policies, deeds, and other related items.
  • Coordinated with lenders, title companies, appraisers, and attorneys to ensure timely completion of all transactions.
  • Resolved any discrepancies or issues that arose during the loan process.
  • Communicated regularly with senior management regarding loan pipeline status updates.
  • Monitored changes in regulatory requirements affecting mortgages in order to stay abreast of industry trends.
  • Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
  • Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
  • Inspected loan documentation for mistakes and corrected discrepancies.
  • Contacted outside sources, references and vendors to verify client financial information.
  • Gathered property appraisals, surveys and tax records to update mortgage loan files.
  • Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Managed conditions sent from underwriting departments.
  • Evaluated and adjusted loan files to meet banking, federal and secondary market regulations.
  • Evaluated financial statements and contacted institutions and customers to clarify details.
  • Checked approvals against established bank and government lending standards.
  • Upheld compliance with privacy and security requirements, as well as federal statutes covering VA loans.
  • Educated clients regarding guidelines and adjustments of loan contracts and packages.
  • Scanned and uploaded loan and related documents into system.
  • Answered questions and advised customers regarding loans and transactions.
  • Examined and verified information in loan application and closing documents.
  • Worked with third-party vendors to address and clear loan closing requirements.
  • Reviewed customer accounts to determine on-time payments and loan terms compliance.
  • Contacted credit bureaus, employers and other sources to check applicants' credit and personal references.
  • Ordered property insurance or mortgage insurance policies to protect against loss on mortgaged property.

Education

High School Diploma -

Oneonta High School
Oneonta, AL
05-1991

Some College (No Degree) - Accounting

Blount County Vocational
Cleveland, AL

Skills

  • Employment Verification
  • Financial Data Analysis
  • Customer Service
  • Loan Closing
  • Teamwork and Collaboration
  • Regulatory Compliance
  • Application Review
  • Credit Reports
  • Mortgage Loan Software
  • Application Process Management
  • Processing documents
  • Loan Disclosures
  • Document Review
  • Loan Underwriting
  • Credit analysis
  • Loan Submissions
  • Documentation
  • Data Entry

Timeline

Loan Processor

Delaware Life/Insight Global
01.2024 - Current

Senior Mortgage Loan Processor

Prosperity Home Mortgage
03.2019 - 09.2024

Senior Mortgage Loan Processor

Primemax Mortgage Group
11.2018 - 03.2019

Senior Mortgage Processor

Compass Bank
06.2015 - 11.2018

High School Diploma -

Oneonta High School

Some College (No Degree) - Accounting

Blount County Vocational
Chastity JohnsonMortgage Loan Processor