Debbie Clabber
Irvine,CA
Summary
Well-qualified professional bringing over 8 years of demonstrated knowledge and abilities in loan processing and mortgage lending regulatory compliance. Highly organized and detail oriented, excel in demanding, high-pressure environments by prioritizing tasks to meet strict deadlines. Dedication to open communication and superior customer service has fostered strong relationships with borrowers, sales teams, internal staff, and external vendors. Adept at problem-solving and capable of thriving in both team and independent work settings, eager to contribute expertise to a value-driven organization in a role that promotes career growth.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Closing Processor III
Network Capital Funding Corporation
08.2022 - 08.2023
- Diligently assessed underwriting approvals for refinance, purchase, and cash-out renovation loans, addressing necessary conditions to facilitate transition from submission to loan funding and post-closure stages.
- Pre-qualified and pre-underwrote loan files to ensure loan files fits loan program, met minimum credit parameters and aligned with AUS findings.
- Conducted thorough analysis of loan applications and borrower documentation to verify income, residential and employment history, ensuring compliance with loan qualification criteria.
- Effectively identified outstanding conditions and collected required documentation from borrowers to secure underwriting clearance for clear to close.
- Proactively coordinated notary assignments with Title vendors to ensure timely loan funding as scheduled.
- Maintained proactive communication with borrowers, loan officers, management, and external vendors, delivering regular updates on loan status.
- Actively reconciled funded loan files assisting Post-Close Dept. in packaging loans to ship to investors.
- Demonstrated outstanding customer service throughout loan process, earning recognition and positive reviews from borrowers on platforms like Yelp and company's website.
- Disbursed funds and documents according to instructions from mortgage company, payoff lender, title and other appropriate parties
Senior Loan Processor
ML Mortgage Corp
12.2021 - 06.2022
- Greeted borrowers and oversaw submission of residential mortgage loan applications, ensuring efficient processing and timely closure of refinance and purchase loans.
- Pre-qualified and pre-underwrote loan files to ensure loan files fits loan program, met minimum credit parameters and aligned with AUS findings.
- Proactively gathered essential loan documents from borrowers and external parties to satisfy underwriting conditions, strictly adhering to documentation expiration dates to facilitate prompt loan closure.
- Managed ordering of title packages and conducted proactive reviews of title reports to identify liens and other encumbrances. Facilitated lien removal or subordination processes to ensure loans were funded on schedule.
- Maintained active and transparent communication by providing regular loan status updates to borrowers, loan officers, management, and external vendors.
- Upheld high standard of customer service by delivering and consistently maintaining excellent service to borrowers and internal/external vendors throughout entire loan processing cycle.
Senior Loan Processor
JMAC Lending, Inc.
08.2019 - 12.2021
- Cordially welcomed borrowers while efficiently managing refinance and purchase mortgage loan applications from their initial submission, ensuring smooth progression toward timely processing and funding of approved loan packages.
- Pre-qualified and pre-underwrote loan files to ensure loan files fits loan program, met minimum credit parameters and aligned with AUS findings.
- Expertly collected necessary loan documents from borrowers and third parties to satisfy underwriting conditions.
- Ordered title/escrow packages, appraisals, and appraisal desk reviews in accordance with underwriting conditions or automated underwriting system (AUS) findings.
- Proactively scrutinized title reports to identify any liens or encumbrances, facilitating lien removal or subordination to ensure clear title and timely loan funding.
- Actively processed and closed loans through non-delegated correspondent channels.
- Orchestrated loan closings for both purchase and refinance transactions, coordinating efforts among borrowers, settlement agents, title companies, and loan signing vendors.
- Maintained open and transparent communication by providing regular updates on loan status to borrowers, loan officers, management, and external vendors.
- Consistently delivered excellent customer service to borrowers and both internal and external vendors throughout entire loan processing cycle.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants
Senior Loan Processor
LoanSnap, LLC
05.2019 - 08.2019
- Conducted welcoming calls to borrowers, verifying and validating loan applications before submission to underwriting department.
- Actively collected loan documents from both borrowers and third parties to align with AUS findings and underwriting requirements, expediting path to clear-to-close status within set timelines.
- Proactively reviewed title reports for any presence of liens or encumbrances, taking necessary actions such as lien removal or lien subordination to ensure loans were funded as scheduled.
- Managed submission, processing, and closure of loans through non-delegated correspondent channels.
- Maintained proactive communication by regularly updating borrowers, loan officers, management, and internal/external vendors on status of loan application.
- Consistently delivered outstanding customer service to borrowers, as well as internal and external vendors, throughout entire loan processing cycle.
Junior Underwriter
AmWest Funding
03.2018 - 02.2019
- Demonstrated expertise in evaluating loan applications and credit reports to determine creditworthiness of borrowers, ensuring adherence to Agency, Non-Conforming, and Non-QM investor guidelines.
- Scrutinized income documentation meticulously, calculating income accurately for salaried borrowers. Analyzed Schedule C, business tax returns, profit and loss statements, and bank statements to precisely assess income for self-employed borrowers.
- Conducted thorough examination of title reports, identifying liens and other encumbrances, and diligently addressed and resolved title-related issues to ensure loans were funded as per schedule.
- Analyzed credit, income, title documents, and appraisals for compliance during underwriting process.
- Reviewed, conditioned, and cleared appraisal reports, including desk and field reviews, in compliance with program guidelines and investor collateral requirements.
- Precisely computed asset summaries verified assets for loan closings, and meticulously tracked and documented gift funds utilized for closing purchase loans.
- Collaborated with senior management on sensitive underwriting tasks and actively participated in special projects alongside Quality Control (QC) and Post-Close operations teams as needed.
- Prepared, disseminated, and effectively communicated loan approval conditions to Account Executives and Brokers.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations
Senior Loan Processor
AmeriHome Mortgage
08.2017 - 01.2018
- Greeted borrowers and oversaw submission of residential mortgage loan applications, ensuring efficient processing and timely closure of refinance and purchase loans.
- Pre-qualified and pre-underwrote loan files to ensure loan files fits loan program, met minimum credit parameters and aligned with AUS findings.
- Conducted thorough examination of title reports, identifying liens and other encumbrances, and diligently addressed and resolved title-related issues to ensure loans were funded as per schedule.
- Actively coordinated purchase/refinance loan closings between borrowers, settlement agents, title and loan signing vendors.
- Consistently delivered outstanding customer service to borrowers, as well as internal and external vendors, throughout entire loan processing cycle.
Education
Pursued Courses & Earned Credits in Social Ecology
University of California, Irvine
Irvine, CASkills
- RESPA-TILA (TRID)
- Mortgage Lending State and Federal Regulatory Compliance
- Disclosure Management
- Audit and Monitoring
- Non-QM Guidelines
- FNMA/FHLMC/FHA/VA Guidelines
- DO/DU/LPA AUS
- High Volume Pipeline Management
- Strategic Thinking
- Data Analysis
- Time Management
- Problem Solving
- Critical Thinking
- Interpersonal Skills
- Customer Service
- Title Lien Clearance Expert
Certification
- RE Loan Underwriting with DU/LP Training - 2011
- Leadership, Time Management, and Organizational Strategies through Franklin Covey 2021
Accomplishments
Best Operational Support - JMAC Lending, Inc. 2020 & 2021
Technical Skills
- Encompass 360 | Lending QB | Byte Pro | DocMagic | FHA Connection | VA Portal | Microsoft Office 365 Suite
Timeline
Closing Processor III
Network Capital Funding Corporation
08.2022 - 08.2023
Senior Loan Processor
ML Mortgage Corp
12.2021 - 06.2022
Senior Loan Processor
JMAC Lending, Inc.
08.2019 - 12.2021
Senior Loan Processor
LoanSnap, LLC
05.2019 - 08.2019
Junior Underwriter
AmWest Funding
03.2018 - 02.2019
Senior Loan Processor
AmeriHome Mortgage
08.2017 - 01.2018
Pursued Courses & Earned Credits in Social Ecology
University of California, Irvine
- RE Loan Underwriting with DU/LP Training - 2011
- Leadership, Time Management, and Organizational Strategies through Franklin Covey 2021
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