Danielle Lawler
Smithfield,VA
Summary
Experienced Loan Processor focused on improving the bank's loan program through knowledgeable and efficient service to customers according to program parameters. 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. Dedicated mortgage professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
26
26
years of professional experience
Work History
Accounts Payable Clerk
Casey Auto Group
02.2023 - Current
- Reduced late payment penalties by closely monitoring due dates and managing timely payments.
- Improved vendor relationships through diligent communication and prompt issue resolution.
- Maintained accurate financial records by regularly reconciling accounts payable transactions.
- Assisted in month-end closing procedures, ensuring all invoices were processed on time to reflect accurate financial statements.
- Streamlined invoice processing by implementing efficient filing and tracking systems.
Mortgage Loan Processor
1st Financial Inc
04.2017 - 11.2022
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Prepared file for final clear-to-close by branch management.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Communicated with originator and applicant concerning progress of loan file.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Coordinated closing process with attorneys, title companies and government clerks.
- Completed denial and cancellation procedures on applicable files.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Reviewed and validated details of loan applications and closing documentation.
- Conducted pre-funding activities for over 15 monthly applications
Mortgage Loan Processor
Universal Mortgage
03.2015 - 04.2017
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Prepared file for final clear-to-close by branch management.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Communicated with originator and applicant concerning progress of loan file.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Coordinated closing process with attorneys, title companies and government clerks.
- Evaluated approvals against established bank and government lending standards.
- Oversaw file input in mortgage software and grant-specific software.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Reviewed and validated details of loan applications and closing documentation.
- Assessed customer account histories to determine previous compliance with payment plans and loan terms.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Conducted pre-funding activities for over 15 monthly applications
Credit Underwriter
FirstBank
02.2008 - 02.2015
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
Underwriting Manager
First Financial
05.1998 - 10.2007
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
- Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Carried out day-day-day duties accurately and efficiently.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Worked flexible hours; night, weekend, and holiday shifts.
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
- Maintained energy and enthusiasm in fast-paced environment.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
- Developed and maintained courteous and effective working relationships.
- Managed a department of 8 underwriters
- Worked closely with management on a monthly pipeline of $100MM
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
Education
High School Diploma -
Chaminade Madonna Prepatory
Hollywood, FL05.1991
Skills
- Loan Application Preparation
- Loan Paperwork
- Lending Software Systems
- Collateral Value Checks
- Legal Documentation
- Digital Applications
- Desktop Underwriter
- Appraisal Verification
- Consumer Loan Underwriting
- Adaptive and responsible manager, capable and self-motivated
Certification
Timeline
Accounts Payable Clerk
Casey Auto Group
02.2023 - Current
Mortgage Loan Processor
1st Financial Inc
04.2017 - 11.2022
Mortgage Loan Processor
Universal Mortgage
03.2015 - 04.2017
Credit Underwriter
FirstBank
02.2008 - 02.2015
Underwriting Manager
First Financial
05.1998 - 10.2007
High School Diploma -
Chaminade Madonna Prepatory
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