Summary
Overview
Work History
Education
Skills
Websites
AWARDS
Languages
Timeline
Generic

ELSIE JOSIL

Atlanta,GA

Summary

Loan processing professional with proven track record of streamlining loan approval processes and ensuring regulatory compliance. Known for strong team collaboration and achieving results in fast-paced environments. Expertise in documentation, customer service, and adaptability to changing needs.

Overview

13
13
years of professional experience

Work History

Senior Loan Processor

Lennar Mortgage
11.2021 - Current
  • Reviewed loan applications for accuracy and compliance with regulatory guidelines.
  • Coordinated communication between borrowers, underwriters, and loan officers to streamline processing.
  • Mentored junior processors on best practices and complex loan scenarios to enhance team performance.
  • Implemented process improvements that reduced turnaround time for loan approvals by optimizing workflow efficiency.
  • Analyzed financial documentation to assess borrower eligibility and risk factors effectively.
  • Managed multiple loan files simultaneously, ensuring adherence to deadlines and quality control measures.
  • Streamlined loan processing by implementing efficient workflow systems and task prioritization.

Loan Processor

K. Hovnanian American Mortgage
08.2018 - 10.2021
  • Responsible for overseeing most aspects of the mortgage process after origination through final underwrite. Responsible for requesting and reviewing income, credit and asset documentation. Familiar with self-employed income (Schedule C/1120S/1065/1120), asset based income, rental and pension/retirement income calculation. Responsible for ordering and reviewing verifications of rent/employment/deposit/credit supplements and appraisals. Maintaining in constant communication with borrowers, account manager, builder, closing department, title company and all other third parties. Manage assigned pipeline consisting of new application and current month’s closings (30-55 loans), prioritizing as required. Ensure a positive experience for the borrower that translates into a positive survey for the mortgage division.

Home Service Specialist

Digital Risk
01.2015 - 08.2018
  • Responsible for requesting and reviewing documentation required by the underwriter to complete the loan application and ensure loan quality. Prepare loans for upfront approval by obtaining minimum standard documentation. Obtain and analyze required documentation in order to verify validity of judgements and liens reporting on credit report/title and other third party quality assurance programs (Data Verify/Lexis Nexis). Kept all relevant parties informed of progress and any possible issues that may delay closing.

Customer Service Specialist

Digital Risk
06.2012 - 11.2013
  • Responsible for assisting all customers in a mortgage servicer call center environment. Provide excellent customer service and act as a support center for financial companies portfolio loans. Ensure all complaints are addressed properly and in a timely manner.

Education

High School Diploma -

Everett High School
Everett, MA
05-1998

Skills

  • COMPUTER LITERATE
  • ENCOMPASS/INTEGRA/CALYX EXPERIENCE
  • EXCELLENT ORGANIZATIONAL SKILLS/DETAILED ORIENTED
  • EXCELLENT CUSTOMER SERVICE SKILLS
  • MULTILINGUAL- FLUENT IN FRENCH & HATIAN CREOLE
  • Effective time management
  • Strong attention to detail
  • Loan processing proficiency

Websites

AWARDS

12/2020 – “Most loans processed” Fiscal Year 2020

Languages

French
Native or Bilingual

Timeline

Senior Loan Processor

Lennar Mortgage
11.2021 - Current

Loan Processor

K. Hovnanian American Mortgage
08.2018 - 10.2021

Home Service Specialist

Digital Risk
01.2015 - 08.2018

Customer Service Specialist

Digital Risk
06.2012 - 11.2013

High School Diploma -

Everett High School

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