Darla Watson

• Originate loans for potential homebuyers and educate them on the home-buying process.
• Analyze financial information, credit reports, and other relevant documents to assess eligibility.
• Consult with borrowers to assess financial goals and recommend appropriate loan products.
• Complete thorough review of loan applications and gather required income, assets, and credit documentation to verify loan approval and ensure we're on track to close as scheduled.
• Ensure compliance with TRID, RESPA, ECOA, and state/federal regulations.
• Daily communication with processors, underwriters, and closers, managing loans under contract.
• Build and maintain referral relationships with realtors, builders, and financial professionals.

• Conducted consultations with clients to understand their financial goals and mortgage needs.
• Analyzed income, assets, and credit information to assess eligibility and recommend suitable mortgage products.
• Guided clients through the loan application process, ensuring accurate and timely submission of required documentation.
• Collaborated with underwriters, processors, and closers to facilitate smooth and efficient loan processing, addressing any issues promptly.
• Educated valued customers about mortgage processes and programs, tailoring communication to meet specific needs of first-time homebuyers.
• Conducted thorough compliance checks to mitigate risks and maintain integrity of mortgage transactions.
• Completed quarterly NMLS reports and monthly bookkeeping and payroll records for the company.

• Maintained communication with Bank of America sales, processing, and closing staff throughout the loan process, addressing inquiries and providing updates and suggestions for loan approval.
• Analyzed loan files for approval, verifying the completeness, accuracy, and integrity of loan documents.
• Tracked daily loan progress, ensuring timely updates and proactively identifying potential issues.
• Conducted thorough risk assessments on conforming and non-conforming loan applications, utilizing financial documents, credit histories, and property evaluations to inform underwriting decisions.
• Underwrote loan files manually, adhering to program guidelines with a signing authority of $1M.
• Conducted precise/efficient business, rental, and trust income documentation reviews and calculations.
• Assisted Bank of America sales, processing and closing staff to resolve any credit and/or loan approval issues to ensure 100% customer satisfaction.

ADDITIONAL EXPERIENCE

• Sr. Processor/Trainer-Homestar-Homestar Financial, Gainesville, GA
• DE Underwriter/Team Lead-Countrywide Home Loans, Atlanta, GA
• Sr Loan Processor/Underwriter-Wells Fargo Home Loans, Alpharetta, GA
• Post Closer/Auditor/Closer/Loan Processor-C & S Sovran Bank, NationsBanc Mortgage, Bank of America, Tucker, GA