Clarissa McMillin
Greenwell Springs,LA
Summary
Trilingual individual willing to go the extra mile to ensure quality service, giving every client a positive and memorable experience. A dependable loan specialist with the ability to manage multiple tasks and strong organizational skills while ensuring compliance with regulations.
Overview
5
5
years of professional experience
Work History
Loan Officer
1St Phase Mortgage powered by Nexa Mortgage
Baton Rouge , LA
01.2025 - Current
- Interact with loan applicants to investigate their financial eligibility and decide on loan options.
- Specialized in Non-QM loans, HELOCs, and HELOANs.
Loan Officer
Cross Country Mortgage
Baton Rouge , LA
11.2022 - 01.2024
- Interact with loan applicants to investigate their financial eligibility and decide on loan options.
- Specialized in Non-QM loans, HELOCs, and HELOANs.
Loan Officer
Angel Oak Home Loans
Baton Rouge, LA
06.2022 - 11.2022
- Analyzed applicants' financial status, credit and property evaluations to determine feasibility of granting loans.
Mortgage Loan Processor/ LOA
Eustis Mortgage Corporation
Baton Rouge, LA
08.2020 - 05.2022
- Reviewed and verified borrowers' income, credit reports, property
appraisals and supplemental information to prepare documents for
underwriting. - Created and completed loan submission packages.
- Managed conditions sent from underwriting departments.
- Detailed knowledge of FHA, VA, USDA, Conventional.
- Directly communicates with loan officer(s), customer(s), and underwriter(s) in order to obtain initial and missing documentation required to qualify for the loan, including but not limited to income and asset information, credit authorization, trust agreements, purchase agreements, construction documents, etc.
- Reviews loans for compliance within RESPA, TIL, HMDA, Reg. B, and
other mortgage related regulations. Prepares and release Initial disclosures as required by regulations. - Responsible for ordering third party documentation including, but not limited to, property survey, flood certificate, title commitment,
employment verification, appraisal and payoff information. Verifies vendor orders are complete and invoices received, and all are in the applicant's file.
Closing Auditor
Assurance Financial Group Baton Rouge
Baton Rouge, LA
01.2020 - 08.2020
- Addressed and resolved audit issues.
- Prepare all aspects of Initial Closing Disclosure, balance amounts on CD provided by the title company, and send disclosure documents to the borrowers.
- Coordinate loan lifecycle to include review, modification, submission and final approval.
- Assisted and communicate between various internal and external departments including title companies, insurance companies, loan officers, underwriters and processors.
- Complete audit check list per Conventional, FHA, USDA, VA and
Construction loan guidelines according to state law. - Identify any discrepancies in loan documentation and implement
necessary correctives actions.
Real Estate Agent
Keller Williams
Baton Rouge , LA
2014 - 2018
Education
Bachelor
UNIFIEO Law School
Brazil 12.2008
Skills
- Proficient in Lending QB
- Knowledge in Encompass
- Detailed knowledge of processing, and
closing procedures - Strong computer skills: proficient in Microsoft Word,
Adobe, and Outlook - Well-developed ability to manage multiple tasks
simultaneously, detail-oriented, and strong organizational skills - Strong attention to detail
- Ability to spot potential closing issues and resolve them timely and professionally
- Fluent in Portuguese and Spanish
- Team Player
- Licensed in Louisiana NMLS #2384380
- Xinnix certified
- Customer Service specialist
- Experience with consumer direct operation
Timeline
Loan Officer
1St Phase Mortgage powered by Nexa Mortgage
01.2025 - Current
Loan Officer
Cross Country Mortgage
11.2022 - 01.2024
Loan Officer
Angel Oak Home Loans
06.2022 - 11.2022
Mortgage Loan Processor/ LOA
Eustis Mortgage Corporation
08.2020 - 05.2022
Closing Auditor
Assurance Financial Group Baton Rouge
01.2020 - 08.2020
Real Estate Agent
Keller Williams
2014 - 2018
Bachelor
UNIFIEO Law School
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