Encompass
Cindy Parks
Loan Officer Assistant and Sr. Loan Processor
Temple,GA
Summary
LOA and Sr. Mortgage Loan Processor with 8 years experience processing Conventional, FHA, VA,USDA, Georgia Dream DPA, Jumbo, Fannie, and Freddie Mac, loan files. Most recently I have been working with a Broker doing Non-QM DSCR and Bank Statement loans. Very organized with excellent time management and prioritizing skills allowing me to maintain a pipeline of 20-35 loans. Very proactive with gathering needed documents to close files on or before the closing date. Eager to continue learning to become a valued Underwriter in the future. Extremely reliable and has worked fully remote for the past 7 years.
Overview
9
9
years of professional experience
Work History
LOA and Sr. Loan Processor
Waterman Home Loans
06.2024 - 10.2024
- Pre-Qualified Borrowers.
- Calculated Income.
- Pulled and reviewed credit.
- Ran AUS and followed findings to request from borrowers.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed Non-QM loan submission packages.
- Uploaded files to Lenders for Underwriting.
- Set up Fees for LE.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Reviewed approvals with clients and gathered conditions.
- Ordered all needed services.
- Reviewed HOI, Title and Appraisal and entered needed data into system.
- Call previous borrowers for possible refinances and referrals.
- Closed loans early or by closing date on contract.
- Smile through the phone.
LOA and Sr. Loan Processor
Assertive Mortgage LLC
09.2022 - 05.2024
- Pre-qualified borrowers for QM and Non-QM files
- Pull credit and review getting further details on any items that may need explained.
- Review loan applications with clients to ensure completeness
- Ordered DU and LP on files and reviewed for needs. Request and review needed documentation from clients for initial submission getting any needed explanations for underwriting to better understand the loan file.
- Processed QM and Non-QM loan files.
- Submitted files for approval and reviewed conditions with borrowers, as well as, gathered needed documentation for final approval.
- Followed up with Borrowers and Agents regularly to inform what stage we are in for the clear to close.
- Called previous clients for referrals
- Smile through the phone.
LOA and Loan Processor
Fairway Independent Mortgage Corporation
02.2016 - 08.2022
- Processed new purchases and refinances including: Conventional, VA, FHA, USDA, GA Dream DPA 2nd Lien Bond Loans & Conforming Conventional Jumbo.
- Welcoming clients and reviewing credit and application
- Calculated Income.
- Disclosed initial loan disclosures according to TRID timeline.
- Re disclosed for any COC needed.
- Ran AUS/GUS and requested needed documentation from borrowers.
- Reviewed and validated documents from clients.
- Requested letters if needed to explain issues, large deposits any situation that needed further details.
- Set file up for Underwriting and submitted for approval.
- Ordered and services needed and reviewed once
- Requested FHA/VA case numbers/CAVRIS
- Ran fraud check and cleared alerts.
- Entered data into Encompass.
- Requested Condo Docs and reviewed
- Completed final loan documents for closing
- Assisted MLO with follow up calls on possible clients
- Smile through the phone.
Education
Nursing
Georgia Perimeter College
Clarkston, GASkills
- Data Entry
- Teamwork and Collaboration
- Information Verification
- Regulatory Compliance
- File Management
- Loan Disclosures
- Document Review
- Loan Underwriting
- Deadline Management
- Attention to Detail
- Dedicated Work Ethic
- Employment Verification
- Credit analysis
- Processing procedures
- Customer Service
- Credit Reports
- Financial document review
- Application Review
- Appraisals
- Policy Adherence
- Complex Mathematics
- Attorney communication
- Mortgage Loan Software
- Loan Closing
- Financial Data Analysis
- Client Data Gathering
- Generating Reports
- Loan Submissions
- Interpersonal Communication
- Legal Compliance
- Microsoft Office
- Loan Processing Coordination
- Customer Relations
Certification
Mortgage Loan Processor Certification, Capstone Institute of mortgage Finance, June 2017
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Software
Arive
Blend
Timeline
LOA and Sr. Loan Processor
Waterman Home Loans
06.2024 - 10.2024
LOA and Sr. Loan Processor
Assertive Mortgage LLC
09.2022 - 05.2024
LOA and Loan Processor
Fairway Independent Mortgage Corporation
02.2016 - 08.2022
Nursing
Georgia Perimeter College
Similar Profiles
Danielle BiermannDanielle Biermann
VA Eligibility and Entitlement Analyst at Newrez Home Loans (Formally Caliber Home Loans)VA Eligibility and Entitlement Analyst at Newrez Home Loans (Formally Caliber Home Loans)
RAMA KOTESWARARAO SRUNGAVARAPURAMA KOTESWARARAO SRUNGAVARAPU
Working as a DSA From 2012 to Update at DSA CHANNEL HOME LOANS & CAR LOANSWorking as a DSA From 2012 to Update at DSA CHANNEL HOME LOANS & CAR LOANS
SCOTT COATESSCOTT COATES
Mortgage Banker at Apex Home Loans/First Home MortgageMortgage Banker at Apex Home Loans/First Home Mortgage
Grace CoxGrace Cox
Summer Camp Staff Member at North Georgia Christian CampSummer Camp Staff Member at North Georgia Christian Camp
Taylor NelsonTaylor Nelson
Incoming Freshman Artist at SCADIncoming Freshman Artist at SCAD