ELIZABETH RICHARDSON
Mortgage Professional
Houston,TX
Summary
Diligent problem-solver with resourceful approach to challenges and organized style. Leverages mortgage expertise to manage job functions. Excellent communicator with focus on results.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Production Assistant
CALIBER HOME LOANS
Portland, ME
01.2022 - 09.2022
- Maintained CRM, scrubbed all loan submissions and either issued a pre-approval or credit homework disposi9on
- Went over loan applications with borrowers, discussed rates, DPA, and locked in rates
- Took care of all application to contract needs.
- Supported production needs by performing routine tasks using standard procedures and equipment.
- Stayed alert, active and ready to respond to any request at any time using variety of available resources.
- Maintained schedules, managed deadlines and interfaced with teammates to support production activities.
Production Associate III
LEGACY MUTUAL MORTGAGE / CROCKETT NATIONAL BANK
Houston, TX
01.2020 - 01.2021
- Maintained point-of-sale portal (FLOIFY), scrubbed all loan submissions and either issued a preapproval or credit homework disposition
- Went over loan applications with borrowers
- Helped borrowers budget for their new mortgage payment
- Took care of all Pre-Approval to Contract needs.
Loan Officer
AMCAP HOME LOANS
Houston, TX
01.2019 - 01.2020
- Developed and maintained successful relationships with business and personal referral sources
- Communicated with and advised clients and partners during various stages of the loan process
- Provided underwriting with complete and accurate loan applications
- Ensured exceptional client experience by overseeing loan process from origination through closing
- Utilized training materials and reference tools, and other resources to provide accurate up-to-date loan program / policy information to clients and partners.
Mortgage Loan Coordinator
AMCAP Home Loans
Houston, TX
01.2016 - 01.2018
- Ordered wires from warehouse bank for closings
- Called on brokers to sell in-house products and gen- erate new business, while servicing exis9ng brokers
- Assisted brokers and branches in closing loans
- Uploaded and sent loans to investors; processed files to be underwritten in-house
- Locked loans and created daily rate sheets
- Helped company close record number of loans by averaging 25 to 30 closings per month
- Worked with underwriters to fix application problems and resolve issues.
- Explained different types of loans pertaining to client situations.
Mortgage Processor III
TRUST MARK BANK MORTGAGE
Houston, TX
01.2014 - 01.2015
- Pre-qualify borrowers
- Review and verify all documents for loan are received
- Worked closing with underwriting and sales team
- Supported other operational teams with financial transactions and account maintenance.
- Created strong working relationships with advisors, assistants and support staff.
- Utilized and trained associates on various financial products and software programs.
- Set up and completed loan submission packages.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Handled any conditions sent from underwriting departments.
Loan Assistant & Mortgage Processor
FIRST UNITED BANK MORTGAGE
Tulsa, OK
01.2009 - 01.2013
- Verify loan documents
- Coordinate with title companies to ensure seamless closings
- Exceeded record alongside loan officer for individual closed loans, receiving high praise and recognition for exemplary performance; close average of 40+ files monthly.
- Communicated with customers daily to request information and complete paperwork.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
Broker Liaison & Input Processor
ASSOCIATED MORTGAGE/CHARTER WHOLESALE
Tulsa, OK
01.2008 - 01.2009
- Assisted brokers with processing, underwriting, and closing loans
- Ordered all 3rd party services
- Approved HUD-1 settlement statements, handled all FHA and Rural documents, and various investor
- AUS
- Closed $13 to $17M in loans on monthly average.
- Collected and analyzed data and feedback to identify opportunities to improve relationship between other entities and business.
- Maintained knowledge of latest requirements and support strategies.
Funder
GATEWAY MORTGAGE GROUP, LLC
Tulsa, OK
01.2005 - 01.2008
- Inside Account Executive for hundreds of Loan Officers
- Monitored pipelines to track and log status of loans.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Proactively identified solutions for customers experiencing credit issues.
- Worked with customers to understand needs and provide excellent service.
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
Skills
Building a CRM
Production support
Administrative support
Workflow Optimization
Banking
Financial analysis aptitude
Financial transactions expertise
Business Development
Loans
Attention to Detail
Dependable and Responsible
Multitasking Abilities
Practiced at FHA loan process
Sales expertise
Financial Advising
Database Management
Team Player
DRE NMLS License
Credit
Relationship building and management
Risk management assessments
Additional Information
- Valid Texas, Maine, and Oklahoma NMLS license
Certification
TX, OK, ME SML
Hobbies
Skate boarding
Mountain biking
Pickleball
and all things Baseball
Timeline
Production Assistant
CALIBER HOME LOANS
01.2022 - 09.2022
Production Associate III
LEGACY MUTUAL MORTGAGE / CROCKETT NATIONAL BANK
01.2020 - 01.2021
Loan Officer
AMCAP HOME LOANS
01.2019 - 01.2020
Mortgage Loan Coordinator
AMCAP Home Loans
01.2016 - 01.2018
Mortgage Processor III
TRUST MARK BANK MORTGAGE
01.2014 - 01.2015
Loan Assistant & Mortgage Processor
FIRST UNITED BANK MORTGAGE
01.2009 - 01.2013
Broker Liaison & Input Processor
ASSOCIATED MORTGAGE/CHARTER WHOLESALE
01.2008 - 01.2009
Funder
GATEWAY MORTGAGE GROUP, LLC
01.2005 - 01.2008