Cheryl Cappelli
Lyerly,GA
Summary
Driven mortgage professional with extensive experience as a senior processor. Proven track record in delivering exceptional customer service and consistently exceeding performance goals. Adept at managing high-volume loan portfolios with minimal supervision, meeting established deadlines with the highest degree of professionalism.
Overview
19
19
years of professional experience
Work History
Sr. Loan Processor
Salute Homes Loans DBA Archielle
10.2024 - 11.2024
- Focused on VA Loans and VA OTC construction loans.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
Senior Processor/Business Development Manager
The Family Mortgage Team At LeaderOne
09.2020 - 04.2024
- Experienced in underwriting guidelines for Conventional, FHA, VA, and USDA loans
- Received loan applications from Loan Officers to establish loan files; clarified/scrutinized documents needed for underwriting
- Input/updated loans in system and AUS (DU/LP)
- Analyzed income, credit history, and assets for submittal
- Served as liaison between client, sales, underwriting, and closing
- Ordered title report, appraisal, payoff's, and credit documents
- Satisfied acceptable documentations prior to loan closings
- Managed pipelines for weekly and monthly reporting to loan officers or branch managers to communicate loan status
- Achieved timely closings through proactive communication with attorneys, sales partners, and customers, aiming for early "Clear to Close" status.
- Provided high level of customer support; explained process and status while reducing customer anxiety
- Nurture and cultivate lasting partnerships with realtors to drive new business growth.
- Planned and taught educational events for both buyers and realtors
Loan Officer
AnnieMac Mortgage
02.2020 - 09.2020
- Proactively solicited new residential mortgage loan clients
- Educated borrowers on available products to meet their needs and credit profile
- Collected and analyzed client's financial information and credit reports to assess eligibility for new home loans
- Strong problem solving skills and commitment to finding solutions for every borrower
- Averaged $800,000-1,000,000 in closed loan volume monthly
Loan Officer
The Family Mortgage Team At LeaderOne
03.2018 - 01.2020
- Originated, reviewed and administered customer loan proposals.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Established strong relationships with customers through high levels of customer service leading to client referrals.
- Developed referral relationships with Realtors, builders, financial advisors, CPA's and Attorneys.
- Negotiated price, terms, and conditions with each borrower to fit their needs
- Maintained closed loan volume of $800,000-$1,000,000
Loan Processor
The Family Mortgage Team At LeaderOne
09.2005 - 09.2015
- Handled any conditions sent from underwriting departments.
- Set up and completed loan submission packages.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Provided quick turnaround times to maintain fast-pace schedule, closing between 30 - 50 loans per month
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
Education
Major - Accounting
Kennesaw State University
Kennesaw, GA05.1994
Skills
- Complex problem resolution
- Efficient time management
- Process improvement expertise
- Strong judgment and decision-making skills
- Critical thinking abilities
- Effective and consistent communication
- Proficiency in Encompass 360
- Expertise in DU/LP/GUS Approval Engines
- Sales and referral development experience
- Customer satisfaction focus
Accomplishments
- Productive loan processor, managing an average of 30 files monthly.
- Delivered excellent customer service, maintaining consistently high customer satisfaction ratings.
- Successfully processed challenging loan applications, including first-time borrowers, self-employed applicants, and those with problematic credit histories.
- Implemented strategic processes to save time and enhance productivity.
- Provided clear and concise guidance to borrowers, simplifying the loan process.
- Licensed Loan Officer since 2018.
Affiliations
- Mortgage Originator License- NMLS ID # 1724490
Timeline
Sr. Loan Processor
Salute Homes Loans DBA Archielle
10.2024 - 11.2024
Senior Processor/Business Development Manager
The Family Mortgage Team At LeaderOne
09.2020 - 04.2024
Loan Officer
AnnieMac Mortgage
02.2020 - 09.2020
Loan Officer
The Family Mortgage Team At LeaderOne
03.2018 - 01.2020
Loan Processor
The Family Mortgage Team At LeaderOne
09.2005 - 09.2015
Major - Accounting
Kennesaw State University
Similar Profiles
Meg TorgersenMeg Torgersen
Mortgage Loan Officer at Flanagan State Bank dba Aspire Home LoansMortgage Loan Officer at Flanagan State Bank dba Aspire Home Loans
Aaron HopsonAaron Hopson
Manufactured Home Loan Originator, Underwriter at CIS Financial Services, Inc. Dba CIS Home LoansManufactured Home Loan Originator, Underwriter at CIS Financial Services, Inc. Dba CIS Home Loans
Kirsten RogersKirsten Rogers
Assistant Manager at Lenders Loans DBA Hawk IncAssistant Manager at Lenders Loans DBA Hawk Inc