Summary
Overview
Work History
Education
Skills
Relevant Experience
Timeline
Generic

Cheryl A. Spaar

Shillington,PA

Summary

Bringing high level of organization and positive attitude, combined with solid background in financial principles and customer service. Understanding of loan processing procedures and skilled in data analysis and document management. Committed to ensuring efficient loan processing and delivering exceptional client service.

Overview

16
16
years of professional experience

Work History

Sales Administrator and Renewal Specialist (Hybrid worker)

Omega Systems Consultants
05.2023 - Current
  • Establish new clients in ConnectWise and Salesforce, as well as provide them with all initial documentation.
  • Proficient in working renewals board to ensure timely and accurate completion of all renewals with high emphasis on follow up.
  • Create quotes to be sent to customers with100% accuracy.
  • Maintain a high level of customer service between clients and internal departments.


Senior Mortgage Processor (Remote worker)

Guild Mortgage (aka RMS Mortgage)
08.2014 - 08.2022
  • Managed an average pipeline of 45+ Residential mortgage loans.
  • Reviewed 1003 & 1008 for accuracy and completion. Make any necessary corrections and/or contact customer for additional information, if applicable.
  • Completed opening process by ordering the following: flood certificate, fraud report, verification of employment, verification of rent/mortgage, title documents, and appraisal.
  • Obtained all customer documentation paystubs, bank statements, w2, tax returns and any additional information needed per product.
  • Pre-underwrote file by analyzing borrowers credit report and income statements to verify accuracy along with ensuring compliance with federal and state regulations.
  • Submitted loans through AUS systems: DU/LP, FHA Connections, USDA, PHFA.
  • Submitted loan to underwriter for review of approval or denial.
  • Communicated acceptance or rejection to applicants via mail, email or telephone.
  • Worked closely with clients to gather necessary documentation for mortgage processing timeline effectively.
  • During loan process if changes are made to customer information would correct application and re-approve loan or contacted loan officer to discuss with customer.
  • Issued final conditions to underwriter to obtain a clear to close. File issued to closing department.
  • Provided exceptional customer service by addressing borrower concerns promptly and professionally.
  • Collaborated with Loan Officers to provide timely, accurate service to clients throughout mortgage process.
  • Contributed to the growth of the organization by consistently meeting or exceeding sales objectives.
  • Mentored junior processors, sharing knowledge and best practices to improve overall team performance.
  • Developed strong relationships with realtors, title companies, and other industry professionals to facilitate smooth transactions.

Senior Mortgage Processor

Mortgage Network
06.2013 - 08.2014
  • Similar duties as described above with Guild Mortgage.

Senior Mortgage Processor

Fulton Bank
04.2009 - 06.2013
  • Promoted from Opener to Loan Processor.
  • Promoted from Loan Processor to Senior Loan Processor.
  • Similar duties as described above with Guild Mortgage.

Education

High School Diploma -

Governor Mifflin School District
Shillington, PA

Skills

  • Detail oriented
  • Decision making & problem-solving
  • Time management
  • Work with minimal supervision
  • Team player
  • Credit & financial Analysis
  • Customer service internal/external
  • Adhered to RESPA rules and compliance regulations
  • Multi-tasking
  • High volume production
  • Accurate documentation
  • FNMA/FHLMC, FHA, VA, PHFA, USDA and Construction Encompass

Relevant Experience

Experienced Senior Mortgage Processor who is dedicated to achieving company and personal goals. Accountable for completing residential lending while remaining within federal and state guidelines and RESPA rules. Possess high level of communication skills between customer, loan officer, underwriter and all internal and external parties. Ability to review documentation as well as rest of the file to think outside of the box to help obtain an approval and remain in lender guidelines. Willing to work passed scheduled hours to get the job done and meet dates to obtain clear to close. 

Timeline

Sales Administrator and Renewal Specialist (Hybrid worker)

Omega Systems Consultants
05.2023 - Current

Senior Mortgage Processor (Remote worker)

Guild Mortgage (aka RMS Mortgage)
08.2014 - 08.2022

Senior Mortgage Processor

Mortgage Network
06.2013 - 08.2014

Senior Mortgage Processor

Fulton Bank
04.2009 - 06.2013

High School Diploma -

Governor Mifflin School District
Cheryl A. Spaar