Mortgage industry professional with 20 years of loan-processing experience and a comprehensive knowledge of conventional and government loan programs. Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment, and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Experienced in Conventional, FHA, VA, USDA, Jumbo and Construction Lending. Provide support to borrowers, loan officers, underwriters, attorneys and title companies to ensure the timely and accurate processing of all loan applications.
Review and verify income, assets, employment histories, property appraisals, title insurance, property insurance and credit history of each borrower to ensure that they meet the qualifications of the loan program they are applying for.
Order loan estimates, closing disclosures, appraisals, title work, insurance, verification of employment, and tax transcripts (when applicable).
Work with borrowers, realtors and attorneys to obtain conditions required by the underwriter.
Submit files to closing and track the loan application from start to funding.
Ensure compliance with company policies, underwriting guidelines and lending-program requirements.
Successfully communicate with all parties of the transaction to ensure a smooth process.
Successfully processed some of the most challenging loan applications (e.g., first-time borrowers, self-employed applicants and borrowers with problematic credit histories).