Cheryl Benson
San Antonio,Tx
Summary
Seasoned Mortgage Processor with over 20 years in loan documentation and regulatory compliance. Expertise in managing loan pipelines, reviewing complex files, and coordinating with various stakeholders to ensure timely closings. Demonstrated ability to verify intricate loan files and calculate DTI and LTV to maintain efficient workflow.
Overview
24
24
years of professional experience
Work History
Real Estate Fulfillment Mortgage Processor
USAA Federal Savings Bank
San Antonio, Texas
02.2003 - 10.2026
- Reviewed mortgage applications for USAA Federal Savings Bank member loans.
- Reviewed loan applications and supporting documentation to ensure accuracy of data.
- Verified income, assets, credit reports, title insurance policies and appraisals for each loan file.
- Applied bank guidelines and federal lending rules to mortgage files.
- Calculated debt-to-income ratios, loan-to-value ratios, and other applicable percentages.
- Analyzed financial statements including tax returns and bank statements.
- Monitored loan status throughout processing stages through underwriting, approval, and closing stages.
- Monitored loan processing timelines, ensuring adherence to closing deadlines.
- Followed up on conditions requested by underwriters or insurers during the loan approval process.
- Coordinated with third party vendors such as title companies, appraisers, surveyors.
- Maintained proactive communication with borrowers, facilitating timely document submission.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Conducted quality control checks on processed loans, ensuring accuracy and completeness.
- Entered updated loan data into processing systems and bank records.
- Trained new loan processors on company procedures and loan processing software.
Education
Associate Courses/ 60 credit hrs w/ 3.75 GPA
Alamo College
San Antonio, TXSkills
- Loan processing
- Mortgage underwriting
- Loan documentation
- Income verification
- DTI calculation
- Credit analysis
- Fraud detection capabilities
- Document review
- Title review
- Title document review
- Financial analysis
- Mortgage lending
- Regulatory compliance
- Processing documents
- Pipeline management
- Verifying information
- Reviewing financial paperwork
- Analytical thinking
- Problem solving
- Time management
- Collaboration and teamwork
- Customer communication
- Strong communication skills
- Customer service
- Underwriting
Timeline
Real Estate Fulfillment Mortgage Processor
USAA Federal Savings Bank
02.2003 - 10.2026
Associate Courses/ 60 credit hrs w/ 3.75 GPA
Alamo College