Cheryl Galzerano
Fort Worth,United States
Summary
Experienced Loan Processor
Consistently met or exceeded production and approval targets
Managed high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets.
Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Hardworking and passionate job seeker with strong organizational skills eager to secure Loan Processor position. Ready to help team achieve company goals.
Overview
21
21
years of professional experience
Work History
Loan Doc Specialist 5/Operations Associate
Wells Fargo
06.2015 - 09.2023
- Perform timely and clear communication with customers, settlement agents, brokers and other counter parties to obtain missing information and documents for the loan file
- Ability to work in dynamic environments with high production, approval and customer relations targets
- Act as an escalation point for lower level mortgage processor to resolve issue and provide guidance and training
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Trained new employees on proper documentation procedures, leading to a more efficient onboarding process.
- Provided ongoing support to the sales team, assisting in meeting monthly quota goals through accurate and efficient document preparation.
- Actively participated in continuous improvement initiatives aimed at streamlining workflows and enhancing customer experiences.
- Coordinated efforts between credit analysts, underwriters, closers, processors, and customers to ensure seamless transactions from start to finish.
- Met tight deadlines consistently while maintaining a high level of accuracy in loan document preparation and processing.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
Loan Doc Specialist 4
Wells Fargo
06.2012 - 11.2014
- Perform timely and clear communication with customers, settlement agents, brokers and other counter parties to obtain missing information and documents for the loan
- Ensure all compliance and underwriting guidelines are met
- Enter loan information into processing system
- Prioritize and mange assigned pipeline to meet anticipated closing date and performance metrics
- Provide work direction to a team of mortgage processors, ensuring metrics are achieved by planning, coordination and monitoring daily activities
- Interact with immediate team, functional area and internal peers
- Interact with internal and external customers
Licensing/Compliance Clerk
LendX
11.2009 - 05.2010
- Process applications for licenses, administer tests and collect application fees
- Determine if applicants are qualified to receive particular licenses or if additional documentation needs to be submitted
- Maintain records of applications received and licenses issued
- Performs routine clerical duties, such as ling forms and other records from licensed agents and applicants according to an established system
- Updates database and inputs data as required.
Manager -Buy Backs and Special Projects
Taylor, Bean & Whitaker
08.2002 - 08.2009
- Directed day to day operations of a team of 12 staff members including hiring, training, and scheduling
- Established and maintained excellent customer service standards
- Monitored and evaluated staff performance
- Review loan data, completing missing or correcting erroneous data and review information submitted by the LO, Processor and Underwriter in Loan Origination System
- Communicate with internal associates, closing agents and all parties involved in the transaction ensuring that all closing documentation is complete, accurate and in compliance with all applicable regulatory agencies
- Prepare, review and deliver loan closing packages to closing agents
- Coordinate loan closing proceeds and ensure disbursed as required.
- Achieved departmental goals by developing and executing strategic plans and performance metrics.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
Education
High School Diploma -
Coconut Creek High School
Coconut Creek, FLSkills
- Attention to Detail
- Excellent communication Skills
- Excellent Organizational Skills - maintaining complex loan records
- Knowledge of Proprietary mortgage processing software
- Knowledge of processing and closing FHA, VA, Jumbo, HELOC and Conv loans - purchase and refinance
- Ability to maintain quality of work during times of high volume
- Ability to cultivate trustworthy relationships with all parties while abiding by all regulations and laws
- Strong Computer Skills and experience with automated underwriting systems
- Knowledge of mortgage lending processes, procedures, regulations and preferred standards
Timeline
Loan Doc Specialist 5/Operations Associate
Wells Fargo
06.2015 - 09.2023
Loan Doc Specialist 4
Wells Fargo
06.2012 - 11.2014
Licensing/Compliance Clerk
LendX
11.2009 - 05.2010
Manager -Buy Backs and Special Projects
Taylor, Bean & Whitaker
08.2002 - 08.2009
High School Diploma -
Coconut Creek High School
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