Cynthia James
West Warwick,RI
Summary
Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment, and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Senior Mortgage Processor
Total Mortgage Services, LLC
02.2020 - Current
- Set up and completed loan submission packages.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Processed Conventional loans according to FNMA and FHLMC guidelines as well as FHA, VA and USDA
- Prepared file for final clear-to-close
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Processed mortgage loan applications accurately and successfully for over 7 years.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions.
- Communicated with originator concerning progress of loan file.
Mortgage Processor
Northpoint Mortgage
08.2017 - 02.2020
- Processed new loan files and prepared them for submission to Underwriting
- Supported other operational teams with financial transactions and account maintenance.
- Created strong working relationships with advisors, assistants and support staff.
Education
Master of Science - Social Work
Syracuse University
Syracuse, NY06.2027
Skills
- Organizational abilities
- Underwriting knowledge
- Application preparation
- Appraisals
- Appraisal review
- Processing procedures
- Legal Compliance
- Pipeline Management
- Generating Reports
- Residential mortgage lending regulations
- Policy Adherence
- Document Review
- Proficient in Microsoft Office, Outlook, Power Point and Excel
- Working knowledge of Encompass software
Certification
- Licensed Mortgage Banker - Active licenses in MA, RI, NH
Timeline
Senior Mortgage Processor
Total Mortgage Services, LLC
02.2020 - Current
Mortgage Processor
Northpoint Mortgage
08.2017 - 02.2020
Master of Science - Social Work
Syracuse University
- Licensed Mortgage Banker - Active licenses in MA, RI, NH
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