Erica Kloss
Bradford,PA
Summary
Detail-oriented and highly organized professional that has 20 years overall of extensive experience as a mortgage underwriter, processor, accounts receivable, office management, and customer service. Skilled in credit analysis, loan documentation, data entry, and maintaining client communication throughout the loan lifecycle. Adept at handling multiple tasks under tight deadlines, with a commitment to delivering high-quality, accurate results. Seeking to leverage expertise in mortgage processing and underwriting to contribute to a dynamic team.
Overview
20
20
years of professional experience
Work History
Mortgage Underwriter
Guaranteed Rate
Chicago, IL
04.2025 - 07.2025
- Reviewing and analyzing mortgage loan applications
- Assessing risk
- Verifying documentation
- Evaluating property appraisals
- Ensuring communicating loan decisions and requirements
- Collaborating with other teams
- Expediency and efficiency
- Strong communication skills
- Thorough knowledge of underwriting guidelines
- In essence, Guaranteed Rate Mortgage Underwriter, particularly one working with the Same Day Mortgage program, needs a strong blend of analytical skills, attention to detail, a deep understanding of mortgage regulations, and the ability to work efficiently and communicate effectively within a fast-paced environment compliance.
Mortgage Processor
Community Bank N.A
Olean, NY
10.2020 - 12.2024
- Managed a pipeline of 30 to 80 mortgage loans simultaneously, ensuring timely progression from application to closing while maintaining a high standard of customer service.
- Conducted regular follow-ups with customers every 5 to 10 days, providing clear updates.
- Verified employment, cleared loan conditions, and coordinated with PMI companies to secure approvals and maintain compliance with state regulations.
- Reviewed appraisals and ordered flood certificates to ensure proper insurance coverage, safeguarding both the customer and the bank's interests.
- Maintained compliance with annual online training, making sure thorough knowledge of regulatory updates and mortgage market changes.
- Collaborated closely with loan officers, underwriters, and other stakeholders to resolve conditions.
Employment Gap
Health Care Facilities
Bradford, PA
01.2009 - 06.2019
- Pursued professional development by enrolling in nursing school, gaining hands-on experience across various healthcare specialties, including behavioral and geriatric care.
- Provided compassionate care and support to patients, contributing to their physical and mental well-being in behavioral and mental health departments.
- Enhanced adaptability and resilience by successfully transitioning into the healthcare industry and navigating its unique challenges over a 10-year period.
- Gained valuable insights into patient advocacy and relationship management, skills now transferable to fostering client trust and satisfaction in the finance industry.
Receptionist
St. Francis of Assisi
Bradford, PA
07.2003 - 01.2005
- Managed payroll processing and tax preparation, made sure accurate and timely disbursement of employee salaries.
- Maintained meticulous bookkeeping records, performed bank deposits, and reconciled accounts to support the parish's financial management.
- Scheduled and documented all parish activities, ensuring records were accurately entered and organized within the computer system.
Office Manager
Bradford Sales & Service
Lewis Run, PA
02.2000 - 11.2000
- Oversaw daily office operations, including managing accounts receivable and payable.
- Supervised payroll processing and maintained inventory control to support efficient business operations and resource management.
- Streamlined banking operations by coordinating deposits, account reconciliations, and financial reporting.
Accounts Receivable Clerk (Contract)
Dresser Manufacturing Division
Bradford, PA
09.1997 - 12.1998
- Processed and applied daily payments to customer accounts, ensuring accurate and timely updates to financial records.
- Managed collections by initiating customer calls, negotiating payment arrangements, and reducing outstanding balances.
- Provided exceptional customer service by addressing inquiries and resolving account discrepancies.
Mortgage Processor
Prestige Financial Services Corp
Deerfield Beach, FL
10.1994 - 07.1997
- Processed mortgage applications by adhering to federal and state regulations, reviewing credit reports.
- Collaborated with sales teams to provide seamless customer service, guiding clients through the mortgage process and addressing inquiries to enhance satisfaction.
- Managed data entry and documentation, including loan files and collections, to maintain accurate records.
Mortgage Loan Processor
Community Bank N.A
Olean, NY
- Processed mortgage loan applications in compliance with federal and state regulations.
- Collaborated daily with loan officers, underwriters, and external partners to streamline the lending process and meet critical deadlines.
- Conducted thorough reviews of loan documentation, verifying accuracy, completeness, and compliance.
- Delivered exceptional customer service by guiding clients through the mortgage process, addressing inquiries, and providing timely updates on loan statuses.
- Maintained meticulous attention to detail while managing multiple files simultaneously.
Education
Associate of Science - RN
University of Pittsburgh
Bradford, PA 08.2009 - 05.2010
Higher Education in Accounting - Accounting
ICM School of Business
Pittsburgh, PA 08.1993 - 01.1994
Skills
- QuickBooks
- Microsoft Excel
- Microsoft Office Suite
- Microsoft Word
- Accounting Tools
- Loan Processing
- Mortgage Documentation
- Underwriting Guidelines
- Credit Analysis
- Loan Origination
- Customer Service
- Financial Documentation
- Risk Assessment
- Loan Approval Process
- Federal and State Regulations
- Data Entry
- Credit Reports
- Loan File Auditing
- Verification of Employment
- Debt-to-Income Ratios
- Appraisal Review
- Closing Coordination
- Loan Conditions
- Attention to Detail
- Fraud Detection
- Problem Solving
- Client Communication
- Disclosures Review
- Time Management
- Loan Settlement
- Banking Regulations
Core Expertise
Encompass, Desktop Underwriter, Gateless, SmartUnderwriter, Microsoft Excel, Microsoft Office Suite, Microsoft Word, Accounting Tools, Loan Processing, Mortgage Documentation, Underwriting Guidelines, Credit Analysis, Loan Origination, Customer Service, Financial Documentation, Risk Assessment, Loan Approval Process, Federal and State Regulations, Data Entry, Credit Reports, Loan File Auditing, Verification of Employment, Debt-to-Income Ratios, Appraisal Review, Closing Coordination, Loan Conditions, Attention to Detail, Fraud Detection, Problem Solving, Client Communication, Disclosures Review, Time Management, Loan Settlement, Banking Regulations
Timeline
Mortgage Underwriter
Guaranteed Rate
04.2025 - 07.2025
Mortgage Processor
Community Bank N.A
10.2020 - 12.2024
Associate of Science - RN
University of Pittsburgh
08.2009 - 05.2010
Employment Gap
Health Care Facilities
01.2009 - 06.2019
Receptionist
St. Francis of Assisi
07.2003 - 01.2005
Office Manager
Bradford Sales & Service
02.2000 - 11.2000
Accounts Receivable Clerk (Contract)
Dresser Manufacturing Division
09.1997 - 12.1998
Mortgage Processor
Prestige Financial Services Corp
10.1994 - 07.1997
Higher Education in Accounting - Accounting
ICM School of Business
08.1993 - 01.1994
Mortgage Loan Processor
Community Bank N.A
Similar Profiles
RACHEL KORIL-MUNDYRACHEL KORIL-MUNDY
LICENSED SALES ASSISTANT at Rate (Formerly Guaranteed Rate)LICENSED SALES ASSISTANT at Rate (Formerly Guaranteed Rate)
Tonya TaylorTonya Taylor
Mortgage Loan Coordinator at Guaranteed Rate AffinityMortgage Loan Coordinator at Guaranteed Rate Affinity
Scott PotterScott Potter
Senior Vice President, Sales Strategy & Operations at Guaranteed Rate AffinitySenior Vice President, Sales Strategy & Operations at Guaranteed Rate Affinity
Terrance CainTerrance Cain
Compliance Specialist at Guaranteed Rate, Inc.Compliance Specialist at Guaranteed Rate, Inc.
Julie BarrettJulie Barrett
Business Office Manager/Resident Services Manager at The Pavilion @ BRMCBusiness Office Manager/Resident Services Manager at The Pavilion @ BRMC