Dusty Jandrew
Rockwall,TX
Summary
Licensed MLO with extensive loan processing, customer service and sales experience with a comprehensive knowledge of conventional and government loan programs. Experience in both retail and wholesale lending institutions. Strong ability to adapt to the ever-changing industry with versatile skills.
Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills. Proficient in Encompass, Microsoft, and word. Experience in a remote work environment.
Overview
15
15
years of professional experience
Work History
Account Manager
Windsor Mortgage / Plains Commerce Bank
07.2022 - 10.2023
- Worked closely with the sales team to ensure that clients receive the best possible service and support
- Develop and maintain relationships with broker clients
- Maintain accurate records of interactions
- Coordinate the loan from start to closing with the broker, underwriter and closer
- Stay up to date on industry trends and changes
- Oversee the proper processing and disbursement of loans
- Verified clearance of all underwriting conditions and prepared the file for submission to Closing
- Developing positive customer relationships to enhance prospects of repeat business.
- Educated clients on new products or services to increase customer engagement.
- Evaluated client needs and developed tailored solutions to increase positive customer ratings.
Regional Loan Quality Monitor
LeaderOne Financial
01.2019 - 07.2022
- DFW2 Regional Operations Center Quality Monitor - assisted in the review and preparation of loans in order to send Initial Closing Documents (CD’s) to borrowers
- LOA-Pre-processed FHA, VA, Conv and Bond mortgage loans
- Completed and verified information on all loan applications such as bank information, occupations, salaries, and credit histories, to qualify for a home mortgage
- Obtained verifications of employment, reviewed self-employment income and W2 income, collected borrower documents, and researched guidelines to ensure the borrower qualified
- Sent initial Closing disclosures to borrowers
- Prepare Bond docs for multiple programs
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Monitored key dates to obtain information by deadlines.
- Assisted with internal and external audits to confirm compliance with applicable laws and regulations.
Loan Officer Assistant
Premier Nationwide Lending
02.2018 - 01.2019
- Pre-processed FHA, VA, Conv and Bond mortgage loans
- Completed and verified information on all loan applications, ordered verifications of employment, reviewed self-employment income and W2 income, collected borrower documents, and researched guidelines to ensure the borrower qualified
- Assisted loan officers on the front for pre-qualification’s.
- Set up files using loan officer checklist and submitted on-time for processing.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Documented borrower's information in loan processing system and resolved any discrepancies.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Affirmed loan document accuracy to protect lenders from potential fraud.
Mortgage Loan Processor
Guild Mortgage Company
09.2016 - 07.2017
- Processed and pre-underwrote conventional, FHA, VA and Bond mortgage loans to ensure compliance with Company, secondary market investor, and government agency standards
- Liaison between loan officer, borrower, underwriter, and funding
- Prepared and reviewed loan file to ensure completeness of submission and supporting documents, as well as compliance with underwriting and investor guidelines
- Monitored the overall lending process, and identify, resolve, and communicate issues that could impact timely closure of loans
- Analyzed loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds and examine supporting documentation to identified potential fraud or misrepresentation
- Ordered and reviewed all third-party documentation, including credit checks, title reports, appraisals, tax returns, verifications of employment/assets, etc
- Identified qualifying/program issues prior to submission to Underwriting, and re-structure loan, as necessary
Mortgage Loan Processor
DHI Mortgage/DR Horton
09.2012 - 09.2016
- Reviewed and verified borrowers´ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal
- Liaison between borrowers, insurance, underwriting, loan officers, sales agents, realtors, Home Builder and title
- Ensured compliance with company policies, underwriting guidelines and lending-program requirements
- Analyzed loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds and examine supporting documentation to identified potential fraud or misrepresentation
- Ordered and reviewed all third-party documentation, including credit checks, title reports, appraisals, tax returns, verifications of employment/assets, etc
- Checked ratios and verify accuracy of AUS findings and program applicability
- Reviewed and verified documentation integrity to ensure it aligns with findings, completeness and compliance, and submit loan file to underwriting for approval.
Loan Officer
FIRSTSOUTH MORTGAGE
09.2008 - 09.2012
- Analyzed and consulted each client´s financial situation and credit to assist clients with the correct program and provide credit counseling when applicable
- Contacted mortgage leads generated from Lending Tree, referrals, and realtors to initiate pre-approval for mortgage loan
- Liaised between insurance, lending companies, appraisers, realtors, title companies and inspectors
- Shopped multiple lenders to provide rate and program appropriate for client
- Worked with multiple lenders and underwriter guidelines while processing files with efficiency
- Obtained company and personal goals / quotas through cross selling various loan programs offered: Conventional, FHA, USDA, and VA.
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
Education
Loan Officer License - NMLS 319614
Champion School of Real Estate
PlanoSkills
- Account Management
- Client Relationship Management
- Teamwork and Collaboration
- Customer Relationships
- Outbound Telephone Marketing
- Documentation and Reporting
- Compliance Requirements
- Customer Service
Licenses Education
Mortgage Loan Officer NMLS #319614, Champions School of Real Estate, Dallas, TX
Timeline
Account Manager
Windsor Mortgage / Plains Commerce Bank
07.2022 - 10.2023
Regional Loan Quality Monitor
LeaderOne Financial
01.2019 - 07.2022
Loan Officer Assistant
Premier Nationwide Lending
02.2018 - 01.2019
Mortgage Loan Processor
Guild Mortgage Company
09.2016 - 07.2017
Mortgage Loan Processor
DHI Mortgage/DR Horton
09.2012 - 09.2016
Loan Officer
FIRSTSOUTH MORTGAGE
09.2008 - 09.2012
Loan Officer License - NMLS 319614
Champion School of Real Estate
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