Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

Denise Badillo

Deer Park,NY

Summary

Experienced Relationship Manager, managing over 160 loan applications monthly with a track record of clearing 50+ loans a month. Skilled in relationship building and proficient with Encompass, I significantly contribute to seamless loan processing by ensuring compliance and optimizing workflow management, understanding all relationships are important from the team in the office to LO's, AMC's, attorneys, title company and realtors. Exceeds loan processing goals, utilizing strong organizational skills, attention to detail to ensure accuracy and efficiency.

Overview

18
18
years of professional experience

Work History

Relationship Manager

UNMB Home Loans Inc
02.2017 - 06.2024
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes
  • Prepared file for final clear-to-close
  • Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
  • Stayed in constant communications with attorneys, title companies to obtain documentation to clear title and contract items
  • Worked with customers in person and via telephone to answer questions, process file, and resolve issues.
  • Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
  • Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.
  • Provided weekly updates to real estate agents by providing constant file updates on loan approval, appraisal and clearance.
  • Analyzed borrower(s) credit reports, income, assets, work history and typed up all explanations needed on loans and sent for signature
  • Reduced loan application errors & any loan confusion by implementing a thorough quality control process for all submitted applications
  • Set up and completed loan submission packages for LOs, scrubbed loans before going into processing to ensure a clean commitment

Loan Processor

CHL
11.2006 - 01.2016
  • Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
  • Provided quick turnaround times to maintain fast-past schedule.
  • Handled all conditions sent from borrowers
  • Assisted borrowers in obtaining documents by coming into my office and going online, virtual calls to assist on how to navigate documents online
  • Restructured loans
  • Managed change circumstances, managed with Loan offices a good time to lock, sent Loan officer updates when to extend or lock
  • Monitored pipeline to track and log status of loans, locks, expiration of documents
  • Analyzed potential risks on files and escalated any issues to management
  • Managed reports in Encompass

Education

High School Diploma -

Huntington High School
Huntington, NY
06.2000

Skills

  • Relationship building and management
  • Excellent Communication
  • Can handle high volume
  • Carried pipeline of 160 loans a month
  • Cleared 50 loans a month
  • Time Management
  • Restructuring of loans
  • Strong knowledge of underwriting, FHA, Conventional guidelines
  • Multitask
  • Bilingual
  • Proficient with Encompass

Languages

Spanish

Timeline

Relationship Manager

UNMB Home Loans Inc
02.2017 - 06.2024

Loan Processor

CHL
11.2006 - 01.2016

High School Diploma -

Huntington High School

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Denise Badillo