COURTNEY WESOLOWSKI
Saint Charles,IL
Summary
Motivated, personable business professional with a successful 20+ year corporate record. Ability to quickly adapt to any environment and learn new systems. Diplomatic and tactful with professionals and non-professionals at all levels. Accustomed to handling sensitive, confidential records. Demonstrated history of producing accurate, timely reports meeting stringent guidelines. Flexible and versatile - able to maintain a sense of humor under pressure. Poised and competent with demonstrated ability to easily transcend cultural differences. Thrive in deadline-driven environments. Excellent team building skills. Well versed in Outlook, Encompass, DU, LP, DO, Microsoft Outlook, Excel, and Word.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Mortgage Loan Processor
Secured Mortgage Processing
Queen Creek, AZ
08.2023 - Current
- Reviewed loan applications and verified accuracy of borrower information.
- Assessed credit reports to determine eligibility for mortgage loans.
- Processed loan documents and ensured compliance with federal regulations.
- Provided customer service by responding to inquiries regarding loan status.
- Registered and disclosed loans on correspondent lender portals.
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Submitted completed loan packages to correspondent lenders for approval or denial decisions.
- Communicated regularly with customers throughout the entire process from origination through closing.
Senior Mortgage Loan Processor Team Lead
Paramount Bank
St Louis, MO
04.2019 - 11.2022
- Led a team of 10 person operations staff
- Managed a pipeline of 50-100 files a month
- Closed an average of 30-60 files per month
- Coordinated mortgage commitments within 24-48 hours of initial approval
- Responsible quality control on all files
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes
- Checked approvals against established bank and government lending standards
- Developed training manuals
- Trained, coached, and motivated a team of 10 employees to provide exceptional service and complete high-quality work
- Managed conditions sent from underwriting departments
- Contacted outside sources, references, and vendors to verify client financial information
- Inspected loan documentation for mistakes and corrected discrepancies
- Evaluated and adjusted loan files to meet banking, federal and secondary market regulations
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times
- Gathered property appraisals, surveys, and tax records to update mortgage loan files
- Communicated with customers via telephone and email to answer questions, process transactions and resolve issues.
Senior Mortgage Loan Processor/Operations Trainer
Bridgeview Bank Mortgage Company
Lombard, IL
03.2012 - 03.2019
Loan Processor
JP Morgan Chase Bank
Oak Brook, IL
09.2011 - 03.2012
Inside Sales Representative
Comcast
Schaumburg, IL
09.2008 - 04.2010
- Submitted files in house and to investors (correspondent lending)
- Delivered mortgage commitments within 24 hours of approval
- Collaborated with borrowers to obtain conditions
- Obtained all third-party verifications, payoffs, homeowners' insurance, mortgage history, VOM
- Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews
- Completed closing process by collaborating with attorneys, title companies and government clerks
- Maintained complete confidentiality of submitted information according to release guidelines
- Upheld compliance with privacy and security requirements, as well as federal statutes covering Conventional, FHA and VA loans
- Prepared instruction through lesson plans to address student's assessed needs, goals, and objectives
- Attended meetings, training, and activities to enhance skills and credentials
- Developed guides and course materials to reinforce lecture information and help students learn
- Main support for onboard processors
- Calculated income, assets, and liabilities to meet lender requirements
- Supported loan officiant and underwriter teams by ensuring timely, judicious, and accurate loan processing
- Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting
- Maintained a fast-paced schedule by consistently providing satisfactory application approval turnaround times
- Reviewed initial client documentation to structure and submit loan package
- Interfaced with borrowers to obtain needed items and prepare applications for underwriting review
- Managed conditions sent from underwriting departments
- Created and completed loan submission packages
- Filed completed packages quickly and efficiently
- Generated sales through outbound calling and lead follow-up efforts using scripts and other phone techniques
- Contacted new and existing customers to discuss product and service solutions
- Negotiated prices, terms of sale and service agreement to close transactions
- Delivered superior customer support to improve account retention rate
- Maintained detailed account records and contact logs to facilitate sales process
- Expedited customer orders for quick delivery and to promote satisfaction
- Produced sales documents, finalized deals, and filed records.
Office Manager/Processor
ACE Mortgage
Schaumburg, IL
08.2006 - 05.2008
Loan Processor II / Underwriter / Closer
Countrywide Home Loans
Rolling Meadows, IL
06.1999 - 07.2006
- Managed office inventory and placed new supply orders
- Maintained impeccable office organization to support efficiency, professionalism, and performance objectives
- Oversaw receiving and organizing correspondence, answering, and forwarding calls and creating business letters and records
- Administered payroll and maintained proper documentation of employee personnel
- Used judgment and initiative in handling confidential matters and requests
- Handled scheduling and managed timely and effective allocation of resources and calendars
- Calculated income, assets, and liabilities to meet lender requirements
- Supported loan officiant and underwriter teams by ensuring timely, judicious, and accurate loan processing
- Reviewed initial client documentation to structure and submit loan package
- Interfaced with borrowers to obtain needed items and prepare applications for underwriting review
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues
- Filed completed packages quickly and efficiently
- Completed closing process by collaborating with attorneys, title companies and government clerks
- Reviewed initial client documentation to structure and submit loan package
- Maintained a fast-paced schedule by consistently providing satisfactory application approval turnaround times
- Managed conditions sent from underwriting departments
- Structured loan packages by properly analyzing credit reports, income and asset documents
- Verified client financial information to determine creditworthiness and loan eligibility
- Analyzed risk and adhered to underwriting standards to drive risk selection and profitability
- Inspected financial statements, credit information and title data to complete underwriting process
- Followed underwriting guidelines in developing rates for new and renewal groups
- Worked with colleagues to review, accept, or deny new and renewal business
- Handled pipeline of active deals in closing stage
- Partnered with advisors and other parties to collect information to satisfy closing conditions
- Reviewed title commitment and insurance policies to support pre-closing documentation
- Completed final closeout of systems after loan funding
- Tracked and reconciled trailing documentation to prepare files for shipping.
Education
High School Diploma -
James B. Conant
05.1999
Skills
- Customer Assistance
- Data Entry
- Creative Thinking
- Product Knowledge
- Staff Support
- Team Leadership
- Decision-Making
- Reviewing Financial Paperwork
- Cash Flow and Financial Analysis
- Borrower Correspondence
- Property Inspection Requirements
Certification
- NMLS #827146
Timeline
Mortgage Loan Processor
Secured Mortgage Processing
08.2023 - Current
Senior Mortgage Loan Processor Team Lead
Paramount Bank
04.2019 - 11.2022
Senior Mortgage Loan Processor/Operations Trainer
Bridgeview Bank Mortgage Company
03.2012 - 03.2019
Loan Processor
JP Morgan Chase Bank
09.2011 - 03.2012
Inside Sales Representative
Comcast
09.2008 - 04.2010
Office Manager/Processor
ACE Mortgage
08.2006 - 05.2008
Loan Processor II / Underwriter / Closer
Countrywide Home Loans
06.1999 - 07.2006
High School Diploma -
James B. Conant
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