Dawn Gurka
OCALA,FL
Summary
30 years in the Mortgage Industry including Loan Servicing to Originations. Excellent Customer Service, proficient in Origination compliance Regulations and guidelines. FHA, VA, USDA, CONVENTIONAL. Diverse work experience. Experienced in fast-paced environments and adaptable to last-minute changes. Thrives under pressure and consistently earns high marks for work quality and speed, top producer and Customer relations mitigating losses.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
Supreme Lending
Ocala, FL
05.2023 - Current
- Processed new loan applications in accordance with established guidelines.
- Conducted interviews with prospective clients to gather information regarding loan applications.
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Attended industry events and seminars in order to stay abreast of changes in the mortgage banking industry.
- Created reports summarizing activities such as originations, denials and delinquencies.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Evaluated existing customer accounts for refinancing opportunities or additional services offered by the company.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
- Educated customers on various aspects of mortgage financing options available.
- Facilitated workshops and seminars on mortgage products and financial literacy.
- Monitored loan progress, ensuring timely processing and closing.
- Met with applicants to obtain information for loan applications and answer questions about loan process.
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
Mortgage Loan Officer
Amerifirst / Union Home Mortgage
Ocala, FL
01.2022 - 04.2023
- · Originate a Real Estate Mortgage Loan Purchase and Refinance application from Community outreach and Realtor referrals.
- Take the Loan Application, perform Credit Analysis and provide the perspective Borrower with the best program per their needs, financial position, per Conv, FHA, VA, USDA.
- Provide credit counseling when applicable to position the Prospective for a successful Mortgage Purchase or refinance.
- Provide the Approval letter along with the needs list of items with clear and concise instructions and timeline.
- Create and Provide Disclosures per TRID and Regulatory guidelines.
- Upload a complete file to the Processor.
- Collaborate with all parties affiliated with each loan for a successful close.
- Develop relations with the Realtors and other Lenders for referrals.
- Coordinate and participate in Lunch and Learns at least twice a month with local Realtors.
- Participate in roundtable discussions to brainstorm with other Loan Originators creative ways to market ourselves successfully.
- Assist other Loan Officers on vacation in servicing the members for a seamless closing.
- Train incoming new Loan Officers.
Director Lending
Habitat For Humanity Of Florida Citrus County
Crystal River , FL
02.2021 - 01.2022
- Cultivated strong relationships with customers by responding promptly to inquiries or complaints.
- Prepared presentations for board meetings summarizing key developments within the company.
- Developed policies and procedures to ensure compliance with corporate standards.
- Served as a public spokesperson at industry events or conferences.
- Negotiated terms and conditions of loan agreements with borrowers.
- Processed new loan applications in accordance with established guidelines.
- Conducted interviews with prospective clients to gather information regarding loan applications.
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Created reports summarizing activities such as originations, denials and delinquencies.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Monitored Family Partner Hours.
- Developed Loan Packager relationship with the USDA to use their Financing.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
- Train Staff on Guidelines and Regulations.
Single Family Housing Tech
USDA
Ocala, FL
06.2018 - 01.2021
- Processing initial Loan from application through to Close.
- Establish contact with the Borrower, Title, Attorney, Realtor, Contractors.
- Gather and maintain all documents pertinent to each loan application according to the program or Loan Type 502 Direct or the 504 Grant Loan repair program.
- Run and perform Credit Analysis according to the program guidelines. Including that which can be more complex in nature.
- Credit Counsel the applicant if necessary/ request documents and LOE’s for the Specialist prior to submission.
- Upload all documents according to Government Electronic and maintenance compliance system.
- Reviews various loan-making, loan-servicing, and related documents, forms, and materials submitted for completeness, accuracy of information, and conformity to established procedures and requirements.
- Examining loan applications, supporting documents and credit reports, and maintaining servicing activities of somewhat complex loans and/or grants.
- Develops and runs reports daily updates and monitoring Loan progress.
- Prepares and reviews closing related documents to ensure adequacy, completeness, accuracy of information, and to ensure conditions are met in advance of closing or issuance of RD 502 Direct Loan Program and the 504 Home Repair Grant Loan Program.
- Performs Property Inspections for Construction to Perm loans. Request Draws for each phase of construction when completed according to the Draw schedule. Reconcile FISERV / SAGENT for the conversion to go smoothly.
- Request draws for the 502 Direct Loan ACH request to title for the closing, Construction to perm draws.
- Request Checks for the 504 Loan / Grant program to pay the Contractors.
- Performs Insurance Claim duties according to RD Agency Servicing and guidelines including Inspections, Contract examination for completeness, Draw period, order funds and communicate with the Insurance department at CSC.
- Performs Treasury Check request from CSC and the Field support when complex issues can arise.
Education
NMLS SAFE Lic. - Mortgage Regulations
Kambuck / Florida Mortgage School
Ocala, FL11-2016
High School Diploma -
Reseda High School
Reseda, CA06-1982
Skills
- Federal Lending Compliance Regulations
- FHA, VA, USDA, Conventional Loan Guidelines
- Critical Thinking
- Attention to Detail
- Microsoft Office
- Interpersonal Communication
- Teamwork and Collaboration
- Decision-Making
- Organizational Skills
- Communication
- Dependable and Responsible
- Collaboration
- Problem-Solving
- Research
- Organization and Time Management
Affiliations
- Creating Teams to serve the Community in different fund raisers, community clean up, Sponsorship, and event facilitator and organizer.
- Sponsor and collaborate with the Local Realtors Board in fund raising.
- Organize Food Drives, Blood Drives, local Shelter provisions with Interfaith and local charities.
Accomplishments
- Top Call Center Customer Service Excellence awards
- Top Star Search Awards recipient / to then being asked to facilitate the Star Search award program while opening a new Call center with Countrywide Home Loans
- Innovative Idea awards to save the company money
- Top Mortgage Loan Producer
- Marion County Annual Chili Cook off / Lead our Florida Credit Union Team of 10 in two shift to take the Grand Prize the first year out
Certification
- SAFE Harbor Mortgage Loan Originator License from 2016 to present
- Certified with Florida Housing to Originated DPA (Down Payment Assistance Programs) Bond, Hometown Heroes, VA, Escambia
Mortgage Loan Servicing beginning in Collection to Originations
- I began working in the Mortgage Loan Industry in 1984. I've worked in various roles such as Collector to Team Lead in the Collections Department, to Customer Service, Modifications, Training, Investor Relations, Correspondent Lending. Working in the Mortgage Servicing State Office for the USDA, Property Preservation.
- In Originations, I have a diverse background as a Loan Processor, Closer, Jr. Underwriter, Loan Originator.
- Companys I've worked with are Savings and Loans, Credit Unions, USDA, Countrywide, Taylor Bean and Whitaker, Direct Lenders, Correspondent, Brokers.
Timeline
Mortgage Loan Officer
Supreme Lending
05.2023 - Current
Mortgage Loan Officer
Amerifirst / Union Home Mortgage
01.2022 - 04.2023
Director Lending
Habitat For Humanity Of Florida Citrus County
02.2021 - 01.2022
Single Family Housing Tech
USDA
06.2018 - 01.2021
NMLS SAFE Lic. - Mortgage Regulations
Kambuck / Florida Mortgage School
High School Diploma -
Reseda High School
- SAFE Harbor Mortgage Loan Originator License from 2016 to present
- Certified with Florida Housing to Originated DPA (Down Payment Assistance Programs) Bond, Hometown Heroes, VA, Escambia
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