Erica Thorpe
Summary
Dedicated and results-driven Mortgage Loan Processor with over 8 years of experience in the financial services industry, specializing in home loan transactions and customer relations. Proven track record of successfully facilitating the closing of 362 home loans in a year, while ensuring regulatory compliance and meticulous documentation. Adept at training and mentoring new hires to promote efficiency and consistency in underwriting processes. Strong analytical skills with expertise in assessing qualifying income for diverse business structures. Seeking to leverage expertise in a dynamic financial institution to enhance the mortgage processing experience for clients.
Overview
10
10
years of professional experience
Work History
Loan Processing Specialist
Municipal Credit Union
02.2022 - 01.2025
- Implemented robust verification processes that significantly reduced bottlenecks in the processing of customer loan requests, leading to improved approval times.
- Utilized LOS (Loan Origination System) and AUS (Automated Underwriting System) effectively to support the tracking and processing of loan applications.
- Composed accurate and timely response emails to address inquiries from both customers and lenders, enhancing communication and customer satisfaction.
- Upheld the highest ethical standards for the secure storage, retrieval, and management of customer records, ensuring compliance with industry regulations.
- Collaborated seamlessly with third-party vendors, including appraisers, title companies, and insurance providers, to gather essential documentation for loan approvals.
- Managed day-to-day operational standards, troubleshooting equipment and network issues to maintain a smooth workflow.
Loan Originator Assistant
Wells Fargo
04.2018 - 01.2020
- Ensured compliance with company policies, procedures, and regulations during the loan origination process.
- Increased loan volume by actively participating in sales meetings, trainings, conferences, and industry events to stay informed on market trends and best practices.
- Streamlined pre-qualification processes by utilizing advanced technology tools, resulting in quicker turnaround times for customers.
- Reduced errors in documentation preparation through rigorous quality control measures during the application review process.
- Assisted in closing loans faster by providing timely support to Loan Originators and underwriters.
- Contributed to business growth by identifying potential clients through networking events and referrals.
Lead Loan Coordinator
American Internet Mortgage Inc.
07.2015 - 01.2018
- Enhanced loan processing efficiency by streamlining documentation and communication between departments.
- Managed client expectations by clearly communicating terms, conditions, requirements, and timelines throughout the loan process.
- Collaborated with other departments to resolve issues quickly, maintaining seamless workflow during busy periods.
- Expedited loan approvals by collaborating closely with underwriters to address concerns and provide necessary information.
- Reduced application errors by implementing thorough pre-screening procedures for loan applicants.
Education
Bachelor of Science - Social Work
Coppin State University
Baltimore, MD05-2008
Skills
- Standard operating procedures
- Project Management
- Document review & verification
- Workflow optimization
- Regulatory Compliance
- Teamwork
Timeline
Loan Processing Specialist
Municipal Credit Union
02.2022 - 01.2025
Loan Originator Assistant
Wells Fargo
04.2018 - 01.2020
Lead Loan Coordinator
American Internet Mortgage Inc.
07.2015 - 01.2018
Bachelor of Science - Social Work
Coppin State University
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