Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

DESIREE Ayisi

Pottstown,PA

Summary

Highly skilled Loan Processor with strong experience in handling loan applications and promoting customer satisfaction. Possess solid understanding of lending products, credit report analysis, and regulatory standards in the financial industry. Known for precision in documentation and enhanced ability to manage deadlines, contributing to smooth workflow within fast-paced environments. Have consistently delivered high-quality service, resulting in improved efficiency and customer retention rates.

Overview

12
12
years of professional experience

Work History

Contract Loan Processor

Self Employed Services
Pottstown, PA
05.2020 - Current
  • Processed loans independently for wholesale mortgage brokers, ensuring efficiency.
    Managed Conventional, FHA, VA, Non-QM, Reverse, and HELOC loans from application to closing.
    Facilitated contract-to-closing processing for brokers nationwide.
    Provided preapproval assistance as loan officer assistant to enhance client experience.
    Led weekly pipeline calls with brokers to maintain clear communication of expectations.
    Completed post-closing audits for clients requesting these services for accuracy.
    Leveraged all TPO portals along with Bolt/Ease Docs and broker portals to streamline processes.
    Applied expertise in various LOS systems such as Encompass and SalesForce.

Commercial Loan Processor Manager and Trainer

Dominion Financial Services
Baltimore, MD
02.2017 - 08.2024
  • Resolved title issues, including liens and judgments, ensuring clear titles for transactions.
  • Coordinated appraisal orders and reviewed appraisal reports for accuracy and compliance.
  • Prepared and delivered loan documents to title and escrow teams.
  • Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
  • Managed conditions sent from underwriting departments.
  • Contacted credit bureaus, employers and other sources to check applicants' credit and personal references.
  • Researched and resolved customer issues in a timely manner.
  • Analyzed financial data to determine the appropriate amount of lending risk taken by the lender.
  • Structured loan packages by properly analyzing credit reports, income and asset documents.
  • Coordinated with underwriters to resolve mortgage application issues and obtain necessary documentation.
  • Coordinated environmental assessments and commercial appraisals to support property evaluations.
  • Prepared commitment letters for borrowers, outlining terms and conditions clearly.
  • Addressed closing inquiries to facilitate smooth transaction processes.
  • Authorized funds after thorough verification of all documentation.
  • Ensured customer files met compliance standards with regulatory agencies and internal policies.
  • Translated documents into Spanish to assist non-English speaking clients.
  • Evaluated financial statements, credit reports, and real estate trends to negotiate favorable terms.

Commercial Loan Processor

Apex Mortgage Corp
01.2015 - 01.2017
  • Assisting Sales rep and Underwriting acquire proper documentation
  • Clearing Title Issues (Lien, Judgements, Ect)
  • Ordering Environmentals and Commercial Appraisals
  • Ordering Title and making sure the title is clear
  • Prepare Commitment letters to send to borrowers
  • Answering questions regarding closing
  • Authorize funds upon verification of all documentation
  • Assure all customers files are complete and in compliance with regulatory agencies and internal policies
  • Prepare cancel and denied letters when necessary
  • Translate documents into spanish
  • Determining lend to value ratio
  • Monitoring the closing cost
  • Prepare closing documents
  • UCC filings
  • Scheduling closing and revising HUD/CD with title companies
  • Created Post-Closing folders and stored them

Loan Processor

Annie Mac Home Mortgages
01.2013 - 01.2015
  • Assist Loan Originator
  • Send disclosures, organize assets and income
  • Updating files in encompass
  • Assuring loan paperwork is received and checked
  • Verify documentation
  • Sourcing deposits
  • Complying by Fannie Mae, Freddie Mac regulations
  • Ordering title, homeowners insurance, verbal VOE's as well as Written VOE, Appraisals, ect
  • Collecting conditions
  • Communicating with borrowers making sure proper documentation is sent at a timely fashion

Education

Business Administration -

Penn State
Abington, PA
08.2012

Associate of Arts -

Community College of Philadelphia
Philadelphia, PA
05.2009

Skills

  • Microsoft Office Suite
  • Financial software proficiency
  • Credit analysis and reporting
  • Loan document preparation
  • Regulatory compliance
  • Risk assessment strategies
  • Customer service excellence
  • Appraisal coordination
  • Title issue resolution
  • Team collaboration
  • Project management skills
  • Bilingual communication proficiency
  • Transaction facilitation
  • Workflow optimization techniques
  • Client relationship management
  • Documentation review processes
  • Contract finalization expertise
  • Conflict resolution strategies
  • Employment verification procedures
  • Credit report interpretation
  • Financial data collection methods
  • Business correspondence preparation
  • Mortgage broker collaboration skills
  • Processing procedures knowledge
  • Funds disbursement application expertise
  • Financial document review skills
  • Attorney communication proficiency
  • Report creation and analysis

References

Available upon request.

Timeline

Contract Loan Processor

Self Employed Services
05.2020 - Current

Commercial Loan Processor Manager and Trainer

Dominion Financial Services
02.2017 - 08.2024

Commercial Loan Processor

Apex Mortgage Corp
01.2015 - 01.2017

Loan Processor

Annie Mac Home Mortgages
01.2013 - 01.2015

Business Administration -

Penn State

Associate of Arts -

Community College of Philadelphia

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