Elizabeth Sciasci

Executed comprehensive loan application completion using Encompass.

Assessed credit report data such as account status, scores received by clients, any existing inquiries or current positions of liens and judgments.

Review all of the borrowers' documents, pay stubs, bank statements, current mortgage statement to include homeowners' insurance and real estate taxes, tax returns, and W-2s if required. Additional documents may be requested if necessary.

Prepare the loan to be sent to underwriting.

Once the loan is approved, review it for any conditions. If the loan is suspended, obtain any conditions, or clarify information to get approved.

Prepare for closing, obtain all closing conditions, and closing date and time notice.

Check emails daily, and answer where applicable.

• Assisted in analyzing applicants' financial status, credit, and property evaluations.
• Attended industry conferences in order to stay abreast of changes in the mortgage industry.
• Ran marketing campaigns to generate new clients for loan officer including mailings, email marketing, open houses.

• Prepared and typed loan applications, closing documents or legal documents using computers.
• Participated in training sessions designed to keep abreast of changing industry regulations and standards.
• Answered questions and advised customers regarding loans and transactions.
• Assembled and compiled documents for loan closings.
• Trained new loan processors on company procedures and loan processing software.
• Assembled and compiled title abstracts, insurance forms, loan documents, and tax receipts.
• Collected required documentation from clients, such as proof of income and employment verification.
• Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
• Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
• Managed communication between loan officers, underwriters, and clients to ensure timely processing.
• Checked approvals against established bank and government lending standards.
• Examined and verified information in loan application and closing documents.
• Reviewed and verified loan application documents for completeness and accuracy.
• Checked applicant credit, personal references and employment histories.
• Contacted credit bureaus, employers and other sources to check applicants' credit and personal references.
• Created and completed loan submission packages.