Elle Scott
Belmont,NC
Summary
As a Licensed Mortgage Professional, have gained relevant experience assisting clients in securing mortgages and managing various loan processes. Strengths lie in excellent communication skills, ability to analyze financial data, and knowledge of mortgage laws and regulations. Have made significant impacts by providing personalized service to clients, streamlining loan approval processes, and maintaining compliance with industry standards.
Overview
13
13
years of professional experience
Work History
Mortgage Loan Officer
TD Bank
Charlotte, NC
11.2022 - Current
- Conduct detailed pre-underwriting analysis and initial home loan reviews to assess client eligibility and identify potential risks, ensuring files are accurately prepared for underwriting
- Analyze complex financial data, including income, assets, credit history, and debt, to provide accurate recommendations on mortgage products
- Manage a diverse portfolio of clients, offering tailored solutions in home equity lines of credit (HELOC), FNMA, FHLMC, FHA, VA, and other lending guidelines
- Collaborate closely with underwriting, credit, and loan administration teams to ensure a seamless loan process and adherence to regulatory guidelines
- Maintained current knowledge of secondary market trends, government programs and other available financing sources.
Mortgage Banker
Rocket Mortgage
Charlotte, NC
01.2021 - 09.2021
- Managed a high-volume pipeline of 80-120 loans regularly, reducing processing times by 40% through proactive pipeline management and consistent updates to clients
- Analyzed customer financial data to assess risk and develop customized loan solutions, contributing to $5-8 million in monthly loan volume
- Collaborated with internal teams to implement process improvements that enhanced overall portfolio management and operational efficiency
- Stayed abreast of lending regulations, industry trends and market rates.
Mortgage Loan Counselor
Neighborhood Assistance Corporation of America
Charlotte, NC
11.2016 - 12.2020
- Conducted detailed financial analyses to assess eligibility and recommend solutions, improving clients’ credit profiles and increasing loan approvals
- Trained junior underwriters and support staff in underwriting processes and policies.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Analyzed financial data including income, assets, debts and liabilities of borrowers.
- Evaluated credit reports, appraisals, title reports and other documentation related to the loan application.
Home Servicing Specialist III / Underwriter
Bank of America
Charlotte, NC
08.2012 - 10.2016
- Managed portfolio of loan applications, maintaining an 85% approval rate and ensuring adherence to FNMA, FHLMC, FHA, VA, and HELOC guidelines.
- Conducted thorough quality audits, reducing processing errors by 75% and improving loan portfolio performance
- Utilized underwriter authority to correspond with corporate risk appetite and strategy.
- Prepared comprehensive reports on loan trends, credit risks, and portfolio performance to support strategic decision-making
- Utilized diverse data tools and processes to analyze, interpret and manage data.
- Verified compliance with state and federal regulations in mortgage credit underwriting and issuance.
Education
Associate of Science - Business Administration
Tidewater Community College
Portsmouth, VA01.2010
Skills
- Automated underwriting system (AUS)
- Verbal and written communication
- Regulatory compliance
- Financial analysis
- Interest Rate Calculation
- Residential mortgage lending regulations
- Data Analysis & Compliance
- Underwriting & Risk Management
- Cross-Functional Collaboration
- Problem-solving
- Credit analysis
- Portfolio management
Leadership Experience
Ability to manage multiple projects simultaneously and meet tight deadlines, while maintaining the highest standards of quality.
Communication Skills
Strong communication skills with the ability to work across departments and present findings to key stakeholders., Strong written and verbal communication skills, including the ability to provide constructive feedback and collaborate effectively with vendors and stakeholders.
References
References available upon request.
Timeline
Mortgage Loan Officer
TD Bank
11.2022 - Current
Mortgage Banker
Rocket Mortgage
01.2021 - 09.2021
Mortgage Loan Counselor
Neighborhood Assistance Corporation of America
11.2016 - 12.2020
Home Servicing Specialist III / Underwriter
Bank of America
08.2012 - 10.2016
Associate of Science - Business Administration
Tidewater Community College
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