Erica Nale
Denham Springs,LA
Summary
Results-oriented Loan Processor highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. Over 15 years of experience in loan processing and mortgages. Effective at organizing paperwork, resolving discrepancies and working with third-party vendors to clear issues and completing closings. Proficient in all standards and regulations. Well-qualified administrative team member bringing demonstrated knowledge and abilities in loan processing. Accurate and dedicated processor evaluates financial documentation and promotes positive client interactions. Works exceptionally well in fast-paced environments driven by tight deadlines. Employs critical eye toward document details and customer information to avoid errors and promote efficiency. Experienced Mortgage Loan Processor with comprehensive knowledge in loan origination and processing. Skilled at communicating effectively with clients and teams, streamlining processes, and managing loan documentation. Demonstrated ability to work under pressure while maintaining high standards of professionalism and efficiency. Previous roles have resulted in improved workflow systems, enhancing client satisfaction and team productivity.
Overview
27
27
years of professional experience
Work History
Mortgage Loan Processor
DSLD Mortgage, LLC
Baton Rouge, LA
04.2023 - Current
- Compiled documentation required for submission to government agencies for processing.
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Updated and informed clients about the status of their loan applications regularly.
- Reviewed and verified loan application documents for completeness and accuracy.
- Calculated borrowers' income and debt ratios to assess loan eligibility.
- Ordered appraisals and title services on behalf of borrowers when necessary.
- Checked approvals against established bank and government lending standards.
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
- Managed conditions sent from underwriting departments.
- Upheld compliance with privacy and security requirements, as well as federal statutes covering VA loans.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Processed loan documents and ensured compliance with federal regulations.
- Communicated regularly with customers throughout the entire process from origination through closing.
- Monitored loan processing timelines to meet closing deadlines.
- Coordinated with underwriters to resolve loan application issues and discrepancies.
- Contacted credit bureaus, employers and other sources to check applicants' credit and personal references.
- Reviewed loan applications and verified accuracy of borrower information.
- Managed communication between loan officers, underwriters, and clients to ensure timely processing.
- Submitted completed loan packages to underwriting department for approval or denial decisions.
- Reviewed HUD-1 settlement statements prior to closings.
Sr. Loan Processor - Assistant
GMFS
Baton Rouge, LA, LA
09.2016 - 04.2023
- Developed and implemented strategies to streamline office operations
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.
- Collaborated with loan officers to develop strategies for managing loan application processing.
- Assessed loan compliance to meet mortgage lending laws and regulations.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Assembled important paperwork and disclosures for borrower.
- Communicated with customers daily to request information and complete paperwork.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Handled any conditions sent from underwriting departments.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Provided quick turnaround times to maintain fast-past schedule.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Coordinated closing process with attorneys, title companies, and government clerks.
Sr. Loan Processor
SWBC Mortgage
Baton Rouge, LA
03.2006 - 09.2011
- Developed and implemented strategies to streamline office operations
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.
- Collaborated with loan officers to develop strategies for managing loan application processing.
- Assessed loan compliance to meet mortgage lending laws and regulations.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Assembled important paperwork and disclosures for borrower.
- Communicated with customers daily to request information and complete paperwork.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Handled any conditions sent from underwriting departments.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Provided quick turnaround times to maintain fast-past schedule.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Coordinated closing process with attorneys, title companies, and government clerks.
Sr. Loan Processor
Homeowners Loan Corporation
Baton Rouge, LA
01.2005 - 01.2006
- Developed and implemented strategies to streamline office operations
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.
- Collaborated with loan officers to develop strategies for managing loan application processing.
- Assessed loan compliance to meet mortgage lending laws and regulations.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Assembled important paperwork and disclosures for borrower.
- Communicated with customers daily to request information and complete paperwork.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Handled any conditions sent from underwriting departments.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Provided quick turnaround times to maintain fast-past schedule.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Coordinated closing process with attorneys, title companies, and government clerks.
Customer Service Representative
Equifax Mortgage Services
Baton Rouge, LA
09.2000 - 12.2004
- Developed highly empathetic client relationships and earned reputation for exceeding service standard goals.
- Implemented and developed customer service training processes.
- Utilized customer service software to manage interactions and track customer satisfaction.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
- Developed and updated databases to handle customer data.
- Responded to customer requests, offering excellent support and tailored recommendations to address needs.
- Investigated and resolved accounting, service and delivery concerns.
- Provided excellent customer care by responding to requests, assisting with product selection and handling ordering functions.
- Processed customer service orders promptly to increase customer satisfaction.
Warranty Clerk
Premier Coach
Baton Rouge, LA
06.1998 - 09.2000
- Collected premiums and issued accurate receipts.
- Calculated adjustments, premiums and refunds.
- Posted payments to accounts and maintained records.
- Resubmitted claims after editing or denial to achieve financial targets and reduce outstanding debt.
- Reviewed outstanding requests and redirected workloads to complete projects on time.
- Generated, posted and attached information to claim files.
Education
High School Diploma -
False River Academy
New Roads, LA05.1998
Skills
- Customer Interaction
- Financial Advisement
- Information Verification
- Loan Evaluations
- Encompass
- Mortgage Builder
- Calyx Point
- Credit and Collections
- Application Preparation
- Data Entry
- Appraisals
- Knowledge of VA Loan Process
- Processing Procedures
- Desktop Underwriter
- Loan Origination and Underwriting
- Knowledge of USDA Loan Process
- Knowledge of FHA Loan Process
- Knowledge of Conventional Loan Process
Education
New Roads, LA
Contact
Walker, LA 70785
Timeline
Mortgage Loan Processor
DSLD Mortgage, LLC
04.2023 - Current
Sr. Loan Processor - Assistant
GMFS
09.2016 - 04.2023
Sr. Loan Processor
SWBC Mortgage
03.2006 - 09.2011
Sr. Loan Processor
Homeowners Loan Corporation
01.2005 - 01.2006
Customer Service Representative
Equifax Mortgage Services
09.2000 - 12.2004
Warranty Clerk
Premier Coach
06.1998 - 09.2000
High School Diploma -
False River Academy
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