Christal Crowl
Brunswick,MD
Summary
Over 30 years of mortgage retail and wholesale experience. Proficient in Conventional, FHA, and VA purchase and refinance loans. Experience with USDA, CDA, VHDA and various grant programs. Proven capability of working with high volume producers and fasted paced loan turn times. Very team oriented but also possess the ability to work well independently.
Overview
25
25
years of professional experience
Work History
Mortgage Loan Processor
Victory Mortgage Solutions (Part Time)
02.2024 - Current
- Utilized mortgage processing software to manage and track application progress accurately.
- Assisted in resolving issues related to loan documentation and processing delays with investors.
- Maintained detailed records of all transactions for auditing purposes.
- Analyzed borrower credit reports, income and asset statements to verify accuracy.
- Request all necessary documentation from insurance agents, title companies, Condominium management companies, and Associations.
- Review loan decision and request any additional documentation needed from borrower(s).
- Communicate with loan officer, investor, and borrowers to ensure a successful. on-time closing.
Special Education Paraprofessional
Frederick County Public Schools
12.2023 - Current
- Supported individualized education plans by implementing tailored instructional strategies.
- Assisted students with daily activities to foster independence and self-advocacy skills.
- Utilized assistive technology tools to aid students in achieving academic goals.
- Developed strong rapport with students by demonstrating empathy, patience, and understanding during daily interactions both inside and outside the classroom setting.
- Liaised one-on-one with learners to provide additional support tailored to specific learning needs.
- Monitored student progress, providing feedback to educators on behavioral and academic developments.
Mortgage Loan Officer Assistant
Security National Mortgage Company
07.2022 - 01.2023
- Assist Loan Officer with new mortgage loan applications received to ensure completion and compile a list of documentation needed from the borrower for inital submission.
- Order and review borrower's credit report
- Request income, asset and other required documentation for borrowers.
- Calculation of income
- Update Emcompass based off documentation received from borrowers.
- Ran AUS ( DU/LP ) to obtain intial loan approval.
- Fully prepare loan for disclosure team to disclose loan documents to borrowers and assign a loan processor to the file.
- Review and update status of loans in process with all parties.
- Assist loan processors with needed documentation.
- Maintained status of construction loan with builders.
- Assisted with various marketing projects.
Mortgage Loan Processor
Forbright Bank (Remote)
08.2020 - 04.2022
- Processed FHA/VA Conventional mortgage loan applications.
- Responsible for uploading and categorizing initial loan documents received by the Loan Officer to paper less system.
- Review income documentation and calculate income for qualifying.
- Obtain and review and additional income, asset or any other documentation necessary to submit for loan approval.
- Update loan application information in Encompass based on documentation received.
- Ordered verifications of employment, tax transcripts, flood certifications, title work, insurance, appraisal, LDP/GSA, FHA/VA case numbers, payoffs, subordination agreements. credit supplements including undisclosed debt notifications.
- Submit the loan to DU or LP and submit the loan to the underwriting department for official loan approval.
- Review loan decision and request and documents needed for approval or suspense from borrower.
- Update title fees and taxes based off title work and coordinate a closing date.
- Responsible for any necessary re-disclosure of loan estimates.
Mortgage Loan Processor III
Bank Of Charles Town
08.2018 - 08.2020
- Set up all loan applications, paperless and full paper files.
- Processed secondary loans and bank portfolio loans.
- Ordered appraisals, title work, employment verifications, credit report updates, FHA/VA case numbers, tax transcripts, flood certifications, insurance, subordination agreements, PUD and Condominium questionnaires/documentation and payoffs.
- Reviewed all loan documentation to determine loan eligibility.
- Submit loans to secondary investors or in-house underwriters for loan approval.
- Communicate loan process and approval requirements with borrowers.
- Request all conditional loan approval conditions from borrowers and update Encompass and re-run AUS (DU/LP to obtain final loan approval.
- Coordinate closing date and time with title company or attorney's office.
- Update all taxes and fees from title work.
- Ensure all items needed for closing have been obtained and assign to loan closer to prepare closing documents.
Mortgage Loan Processor
Finance of America Mortgage
10.2017 - 08.2018
- Processed FHA/VA/Conventional/USDA mortgage loan applications remotely via Encompass.
- Responsible for the re-disclosure of the loan estimates when necessary.
- Reviewed all documentation including income documents to determine loan eligibility.
- Review AUS findings and obtain all necessary loan documentation from the borrowers to submit loans to underwriting for initial approval.
- Request all needed documents for loan approval and resubmit files back to underwriting for final loan approval.
- Review title work and preliminary closing disclosure fees and update Encompass with all closing cost fees.
- Obtain Condominium and PUD questionnaire and documents.
- Order all employment verifications, tax transcripts, flood certifications, title work, insurance and appraisal, etc.
- Request all FHA/VA/USDA requirements.
Senior Mortgage Loan Processor
Damascus Community Bank (Now Wesbanco)
07.2010 - 07.2017
- Mentored junior processors, enhancing team efficiency through knowledge sharing and best practices.
- Streamlined documentation processes, reducing turnaround time for loan closings significantly.
- Disclosed new mortgage loan applications within 3 days via Encompass.
- Review loan documentation and calculate to ensure sufficient income for the loan amount requested.
- Obtain all needed documentation from the borrowers.
- Order all needed verifications, credit report updates, Tax transcripts from IRS, flood certification, title work, insurance, appraisal, MERS, UCDP Portal, LDP/GSA systems, and subordination agreements payoffs if applicable.
- Submit loan through AUS system(s) to obtain initial loan approval and them to investors for review and final decision.
- Submit approved loan to closing department for preparation of closing documents.
Mortgage Loan Specialist
Wells Fargo Home Mortgage
01.2001 - 11.2009
- Responsible for processing mortgage loan applications for submission to onsite underwriters for approval.
- Worked with various loan officers at one time.
- Ordered any necessary verifications and other documentation needed for underwriting approval from initial loan submission from off site loan officers.
- Underwrote and average of 2 Conventional "Level 1" loans per day.
- Submit approved files to the closing department for closing document preparation.
- Maintained and updated pipeline reports, carried an average of 50 loans per month with 90% turnover.
- Processed FHA/VA/Conventional/USDA, CDA, VHDA, and various grant programs.
Education
High School Diploma -
Brunswick High School
Brunswick, MD06-1990
Skills
- Teamwork and collaboration
- Time management
- Problem-solving skills
- Excellent oral and written communication
- Customer-oriented
- Organizational Skills
Timeline
Mortgage Loan Processor
Victory Mortgage Solutions (Part Time)
02.2024 - Current
Special Education Paraprofessional
Frederick County Public Schools
12.2023 - Current
Mortgage Loan Officer Assistant
Security National Mortgage Company
07.2022 - 01.2023
Mortgage Loan Processor
Forbright Bank (Remote)
08.2020 - 04.2022
Mortgage Loan Processor III
Bank Of Charles Town
08.2018 - 08.2020
Mortgage Loan Processor
Finance of America Mortgage
10.2017 - 08.2018
Senior Mortgage Loan Processor
Damascus Community Bank (Now Wesbanco)
07.2010 - 07.2017
Mortgage Loan Specialist
Wells Fargo Home Mortgage
01.2001 - 11.2009
High School Diploma -
Brunswick High School