CINDY Lancaster
East Stroudsburg,PA
Summary
Dynamic professional seeking a career with rapid growth opportunities, a fast-paced environment, and a supportive work culture that fosters personal and professional development.
Overview
19
19
years of professional experience
Work History
Processing Team Lead
Homebridge Financial Service, Inc
Parsippany, NJ
08.2004 - Current
- Provided technical and operational support for Operations Team.
- Monitored data inputs to manage and maintain accuracy.
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
- 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.
- Inspected loan documentation for mistakes and corrected discrepancies.
- Contacted outside sources, references and vendors to verify client financial information.
- Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews.
- Gathered property appraisals, surveys and tax records to update mortgage loan files.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Managed conditions sent from underwriting departments.
- Evaluated and adjusted loan files to meet banking, federal and secondary market regulations.
- Maintained complete confidentiality of submitted information according to release guidelines.
- Created and completed loan submission packages.
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Filed completed packages quickly and efficiently.
- Evaluated financial statements and contacted institutions and customers to clarify details.
- Checked approvals against established bank and government lending standards.
- Upheld compliance with privacy and security requirements, as well as federal statutes covering VA loans.
- Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
Education
High School Diploma -
Bayonne High School
Bayonne, NJ06.2001
Skills
- Completing Interviews
- Information Verification
- Gathering Appraisals
- Application Preparation
- Reviewing Financial Paperwork
- Appraisal Compilation
- Preparing Applications
- Legal Compliance
- Verifying Information
- Processing Documents
- Proficient in Encompass, BlitzDocs, eFolder and AIQ
- Financial Document Review
- Generating Reports
- Application Review
- Employment Verification
- Credit Applications
- Certified Residential Mortgage Specialist
- Desktop Underwriter
- Regulatory Compliance
- Lending Software Systems
- Decision-Making
- File Management
- Customer Communication
- Problem-Solving
- Customer Service
- Microsoft Office
- Verbal and Written Communication
- Calculations Review
- Credit Verification
- Mortgage Loan Processing
- Data Entry
- Employee Motivation
- Communication Improvements
- Assignment Delegation
- Performance Management
- High-Pressure Environments
- Staff Development
- Workflow Optimization
- Organizational Management
- Onboarding and Orientation
- Team Leadership
Interests
Music Reading Nature and Amusement Parks
Additional Information
Processing Team Lead-
Review and maintain a full pipeline of Conventional, FHA, VA and USDA loans. Facilitate all aspects of loan processing from application receipt to underwriting and clearing loans for closing in accordance with company guidelines, policies, and procedures. Inspire open communication to help address the needs of established processing team and monitor performance. Oversee system rollouts and changes and setting procedures to establish workflows.
Certified Loan Processor-
Managed pipeline, review of all credit and income documentation as well the ability to clear conditions and approve Conventional loans that meet my lending authority. Adhered to all federal and state compliance guidelines relative to retail mortgage lending.
Loan Processor-
Managed large pipeline, processed and close real estate loans while ensuring compliance with company policy, audit procedures, and governmental regulations. As a new hire in this position, my role included all aspects of review of the credit loan package, initial disclosures, and 3rd party requests.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
If things don't go right, go left.
Timeline
Processing Team Lead
Homebridge Financial Service, Inc
08.2004 - Current
High School Diploma -
Bayonne High School
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