Christina L Hite
Boynton Beach,FL
Summary
Astute Loan Processor bringing 18 years of experience in banking and financial positions. Work well with people of all backgrounds to complete loan packages. Adept at building loyalty and trust between bank and customer.
Overview
15
15
years of professional experience
Work History
Senior Loan Processor
CrossCountry Mortgage, LLC
05.2022 - Current
- Conducts regular reviews of loan files to follow with policy procedures and guidelines.
- Communicates with all parties in the status of file.
- Gathers documentation and reviews for accuracy to implement into system.
- Assists in escalating any complex transaction to the appropriate party.
- Leads a file from the beginning of the process to closing.
Senior Loan Processor/Underwriter
LendUS, LLC
04.2015 - 04.2022
- Funded 492 units for the year 2020.
- Underwrite and conduct reviews of file in accordance to guidelines.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Provided quick turnaround times to maintain fast paced schedule
- Coordinated closing process with attorneys, title companies, and government clerks
- Reviewed Appraisal to determine completeness and comps are within guidelines and in area.
Transaction Coordinator
Carlyle Financial
01.2015 - 03.2015
- Support mortgage banker as a liaison between client, operations and third parties such as realtors and escrow.
- Developed strategic plans for day-to-day financial operations.
- Request and organize client documentation needed for loan submission and loan closing.
- Performed banking, business administration and financial tasks to guarantee five star service for clients.
- Assure that all client files are complete and in compliance with regulatory agencies and internal policies.
Lock Desk Analyst
MCT Trade
09.2014 - 01.2015
- Lock interest rates into different investors for several clients
- Commit Mandatory loans to investors
- Prepare loans to be hedged in secondary market
- Used ticketing systems to manage and process support actions and requests.
- Provided basic end-user troubleshooting and desktop support.
Mortgage Advisor
Philadelphia Mortgage Advisors
01.2014 - 08.2014
- Work with customers to get required documentation in a timely fashion
- Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
- Developed and maintained relationships with customers, lenders and other third parties.
- Explained very technical financial information to applicants in easy to understand language.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
Mortgage Consultant Jr
Wells Fargo
01.2012 - 01.2014
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Explained different types of loans pertaining to client situations.
- Reviewed loan files and updated to match current standards.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
Loan Officer Assistant
PNC Mortgage
01.2010 - 01.2012
- Answered inquiries and provided superior customer service to clients.
- Set up files using loan officer checklist and submitted on-time for processing.
- Communicated with customers daily to request information and complete paperwork.
- Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
Mortgage Loan Coordinator
Bank of America
10.2008 - 01.2010
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Worked with underwriters to fix application problems and resolve issues.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
Loan Officer Assistant
JPMorgan Chase Bank
05.2008 - 10.2008
- Communicated with customers daily to request information and complete paperwork.
- Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Monitored key dates to obtain information by deadlines.
Education
Bachelor of Science - Business Administration
Montclair State University
Upper Montclair, NJ01.2005
Skills
- Contract Finalization
- Financial Advisement
- Active Listening and Learning
- Fraud Prevention and Detection
- Loan Evaluations
- Client Relationships
- Complete Loan Applications
- Program Requirements
- Networking and Partnership Development
- Loan Origination and Underwriting
Accomplishments
- Achieved Top Processor through effectively helping with funding loans in 2017.
- Achieved Attitude in Achievement awards for having a great attitude at work.
Timeline
Senior Loan Processor
CrossCountry Mortgage, LLC
05.2022 - Current
Senior Loan Processor/Underwriter
LendUS, LLC
04.2015 - 04.2022
Transaction Coordinator
Carlyle Financial
01.2015 - 03.2015
Lock Desk Analyst
MCT Trade
09.2014 - 01.2015
Mortgage Advisor
Philadelphia Mortgage Advisors
01.2014 - 08.2014
Mortgage Consultant Jr
Wells Fargo
01.2012 - 01.2014
Loan Officer Assistant
PNC Mortgage
01.2010 - 01.2012
Mortgage Loan Coordinator
Bank of America
10.2008 - 01.2010
Loan Officer Assistant
JPMorgan Chase Bank
05.2008 - 10.2008
Bachelor of Science - Business Administration
Montclair State University
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