Cindy Kennedy
Garland,TX
Summary
Seasoned Senior Retail Loan Processor with over 40 years of experience, excelling in FHA, VA, and conventional loan processing. Proven ability to analyze and verify client documentation while fostering strong team collaboration. Recognized for meticulous attention to detail and effective problem-solving, ensuring compliance and operational efficiency in a collaborative and steady workflow environment.
Overview
30
30
years of professional experience
1
1
Certification
Work History
Senior Loan Processor
Member First Mortgage
Plano, TX
05.2022 - Current
- Process and review mortgage loan applications, ensuring the accuracy and completeness of all documentation.
- Coordinate and review mortgage loan applications, ensuring the accuracy and completeness of all documentation.
- Verify financial information, including credit reports, income, assets, and employment verification.
- Ensure adherence to company policies, regulatory requirements, and industry best practices.
Senior Loan Processor
Colonial National Mortgage
Dallas, TX
09.2009 - 05.2022
- Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.
- Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
- Acted as a trusted liaison between loan officers, underwriters, and borrowers, maintaining a team-first approach to problem-solving and file completion.
- Provided excellent customer service while responding promptly to inquiries from applicants, realtors, and title companies.
Senior Loan Processor
National City Mortgage
Dallas, TX
09.1995 - 09.2009
- Processed and underwrote retail mortgage loan applications, ensuring compliance with Fannie Mae, Freddie Mac, FHA, and VA guidelines.
- Held FHA Direct Endorsement (DE) certification, authorizing independent underwriting and approval of FHA-insured mortgage loans through FHA Total Scorecard, in compliance with HUD guidelines.
- Balanced manual underwriting practices with new AUS processes to ensure accuracy and compliance during a period of technological transition.
- Worked alongside the same dedicated team for several years, building a loyal, high-performing unit with deep mutual trust and operational efficiency.
Education
High School Diploma -
South Garland High School
Garland05-1983
Skills
- FHA, VA, Jumbo, and conventional retail loan processing
- Encompass, Blue Sage, and Empower proficiency
- Team collaboration with loan officers and underwriters
- Attention to detail and accuracy
- Problem solving and issue resolution
- Analyzing and verifying client documentation
Certification
- NMLS Certified
- FHA DE Certified
Timeline
Senior Loan Processor
Member First Mortgage
05.2022 - Current
Senior Loan Processor
Colonial National Mortgage
09.2009 - 05.2022
Senior Loan Processor
National City Mortgage
09.1995 - 09.2009
High School Diploma -
South Garland High School
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