Christine Emery
Saint Paul
Summary
Experienced Mortgage Processor with 13 years in loan application evaluation and regulatory compliance. Expertise in mortgage documentation and underwriting contributes to operational efficiency. Committed to supporting clients in achieving homeownership goals.
Overview
17
17
years of professional experience
Work History
Loan Officer Assistant
SWBC Mortgage Corporation
Saint Paul
01.2025 - Current
- Assisted loan officers in processing mortgage applications and documentation.
- Communicated with clients to gather necessary financial information and documentation.
- Coordinated with underwriters to ensure timely loan approvals and responses.
- Managed client follow-ups regarding application status and additional requirements.
- Prepared loan closing documents for review by clients and lenders.
- Provided administrative support to the loan team, enhancing workflow efficiency.
- Utilized mortgage software systems to track application progress and updates.
- Answered questions regarding loan status and process from customers and real estate agents.
- Conducted credit checks, verified income and employment information, and obtained other required documentation from applicants.
- Input data into loan origination system accurately and timely.
Mortgage Loan Processor
US Bank Home Mortgage
Saint Paul
12.2011 - 03.2024
- Processed mortgage applications efficiently for US Bank Home Mortgage clients.
- Reviewed loan documentation for accuracy and completeness before submission.
- Coordinated with underwriters to clarify loan requirements and resolve issues.
- Communicated regularly with clients to update them on loan status and next steps.
- Ensured compliance with industry regulations during the mortgage processing workflow.
- Managed timelines effectively to meet processing deadlines for all loan applications.
- Ordered appraisals and title services on behalf of borrowers when necessary.
- Submitted completed loan packages to underwriting department for approval or denial decisions.
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Evaluated financial statements and contacted institutions and customers to clarify details.
- Communicated regularly with customers throughout the entire process from origination through closing.
- Inspected loan documentation for mistakes and corrected discrepancies.
- Verified that all conditions of the loan have been met prior to disbursement of funds.
- Calculated borrowers' income and debt ratios to assess loan eligibility.
- Trained new loan processors on company procedures and loan processing software.
Accounting Clerk
Green Tree Servicing
Saint Paul
12.2009 - 09.2010
- Processed invoices and payments for timely financial transactions.
- Maintained accurate records of accounts payable and receivable activities.
- Supported the Accounts Payable department by processing invoices.
- Verified accuracy of vendor invoices against purchase orders before entering into system for payment processing.
- Reviewed accounts payable ledgers for accuracy and completeness prior to payment processing.
- Managed vendor communications regarding billing and payment inquiries.
- Assisted in month-end close procedures and reconciled financial statements.
- Reconciled expenses and financial records.
- Collaborated with team members to streamline accounting workflows.
- Prepared documentation for audits and ensured compliance with regulations.
- Communicated with senior accounting staff about discrepancies and devised plans to reconcile financial issues.
- Updated accounting ledger and journals with updated transaction information.
Education
Bachelor of Arts - Accounting
University of Minnesota
Minneapolis, MN06-2002
Skills
- Loan processing
- Document review
- Mortgage software
- Compliance regulations
- Credit analysis
- Financial analysis
- Proficient with use of Encompass
- Customer relationship management
- File management
- Time management
- Organizational skills
- Attention to detail
- Professionalism
Accomplishments
- Legends of Possible 2019 Processor Award from US Bank Home Mortgage.
Timeline
Loan Officer Assistant
SWBC Mortgage Corporation
01.2025 - Current
Mortgage Loan Processor
US Bank Home Mortgage
12.2011 - 03.2024
Accounting Clerk
Green Tree Servicing
12.2009 - 09.2010
Bachelor of Arts - Accounting
University of Minnesota