Encompass
DEORANIE ALI
Washingtonville,NY
Summary
Experienced Mortgage Loan Originator with 10+ years in the financial services industry. Specializing in processing and reviewing loan applications. Proficient in managing loan pipeline from initiation to closing, while ensuring compliance with regulatory guidelines. Proven track record of building relationships with clients and referral partners. Increasing revenue through exceptional customer service. Ensuring timely submission and approval of loan applications. Detail-oriented and skilled in problem resolving, managing high loan volumes, and maintaining confidentiality. Strong communication skills, team collaboration, and time management skills.
ons.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer/Mortgage Loan Officer Assistant
Contour Mortgage
08.2023 - Current
- Advise applicants on the most suitable mortgage loan products based on their financial situation, in line with banking guidelines.
- Process and complete detailed loan applications while maintaining the confidentiality of sensitive information.
- Ensure compliance with residential mortgage lending rules, regulations, and provide required disclosures within regulatory timeframes.
- Collect and verify all required documentation, ensuring efficient loan approval and timely closings.
- Communicate regularly with clients throughout the process, addressing concerns and guiding them to ensure loan progress.
- Builds and maintains relationships with industry professionals, such as realtors, attorneys, and title agencies, to generate new applications.
- Highly proficient in various loan products, including Conventional, FHA, VA, HARP, and NON-QM loans.
Senior Loan Processor
United mortgage Corporation
09.2021 - 12.2022
- Processed a wide range of loan programs such as Conventional, FHA, VA, and NON-QM. Ensured accuracy in borrower data and compliance with banking regulations from initial application submission until loan closing.
- Conducted thorough reviews of income, credit, asset documentation, and appraisals, resolving discrepancies prior to underwriting review.
- Managed high-volume loan pipelines, with an average of 40-45 active loans. Ensured timely closings, handling approximately 37 loans per month.
- Collaborated closely with borrowers, lenders, and title companies to clear loans to schedule closings efficiently.
- Improved client retention by delivering exceptional customer service and maintaining strong communication throughout the process.
Senior Loan Processor
US Mortgage Corporation
02.2017 - 09.2021
- Processed a variety of loans (Conventional, FHA, VA, HARP) and pre-underwrote FHA Streamline loans to expedite approvals with minimal rework
- Ensured that loan applications met internal standards and regulatory requirements, maintaining a high degree of accuracy
- Handled pipeline management for multiple loans simultaneously, ensuring compliance with time-sensitive deadlines and state/federal policies
- Built strong relationships with borrowers by providing timely updates and resolving any issues that arose during the loan process.
Loan Processor
InterContinental Capital Group, Inc.
05.2015 - 02.2017
- Processed conventional and government-backed loans, including FHA and VA loans, from initial set-up to submission
- Verified borrower financial information, such as income, assets, and credit, and resolved discrepancies to ensure smooth loan processing
- Assisted home buyers by gathering necessary documentation for loan approval and facilitated communication between lenders, title companies, and borrowers.
Senior Loan Processor
US Mortgage Corporation
06.2011 - 03.2014
- Managed end-to-end loan processing for conventional and FHA loans, ensuring that all submissions were accurate and complied with internal and external guidelines
- Successfully handled a large volume of loans in the pipeline, closing an average of 20 refinance and purchase loans per month
- Developed and maintained long-term client relationships, delivering high-quality customer service throughout the loan process.
Education
Bachelor of Arts - Media Studies
CUNY Hunter College
New York, NY01.2008
Skills
- Encompass loan origination system
- Byte loan origination system
- Loan management
- Application tracking
- Production leadership
- Loan application management
- Document analysis
- Pre-approval process
- Professionalism
- Practiced at FHA loan process
- Loan Origination
- Multitasking Abilities
- Mortgage lending
- Computer Literacy
- Reliability
- Applicant counseling
- Appraisal review
- Communication Skills
- Document Review
- Loan Processing
- Customer service-focused
- Loan Closing
- Data Management
Certification
New York Mortgage Loan Officer, 02/01/23, NMLS
Tel
(347) 886-0295
Software
Byte
Excel
MS Word
Timeline
Mortgage Loan Officer/Mortgage Loan Officer Assistant
Contour Mortgage
08.2023 - Current
Senior Loan Processor
United mortgage Corporation
09.2021 - 12.2022
Senior Loan Processor
US Mortgage Corporation
02.2017 - 09.2021
Loan Processor
InterContinental Capital Group, Inc.
05.2015 - 02.2017
Senior Loan Processor
US Mortgage Corporation
06.2011 - 03.2014
New York Mortgage Loan Officer, 02/01/23, NMLS
Bachelor of Arts - Media Studies
CUNY Hunter College
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