ERIN GRAY
Huntington Beach,CA
Summary
Results driven mortgage professional with over 15 years experience in a production based environment. Positive, team-centric attitude with a focus and dedication to hitting monthly goals.
Overview
10
10
years of professional experience
Work History
Loan Officer Assistant
Home Equity Coach
Orange, CA
05.2022 - 08.2023
- Coordinated with loan officers and clients to optimize the pre approval process, ensuring accuracy of client information, verifying data collected during the application process and updating records as needed.
- Reduced processing time by consistent follow up with clients, lenders, and processors regarding pending documentation for approval and closing.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, employment, etc.
- Strengthened relationships with clients through consistent follow-up calls, addressing any concerns and resolving issues in a timely manner and providing personalized attention to their needs.
LOAN PROCESSOR
INTERACTIVE MORTGAGE
01.2021 - 12.2021
- Process Conventional loans from submission to funding, order notary appointments and prepare loan documents for signing, manage rate lock expirations, maintain communication with customers and loan officers regarding loan status and keeping updated notes in Encompass.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan process.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Conducted credit analyses on applicants to assess risk levels prior to approval decisions.
- Utilized loan origination software to process and track loan applications.
- Contributed to departmental goals by meeting or exceeding monthly quotas for loan approvals and fundings.
SR. LOAN PROCESSOR
NEW AMERICAN FUNDING
05.2020 - 01.2021
- Manage pipeline of 60+ loans ranging from Conventional, VA and FHA, process loans from initial submission through funding,
- Calculate qualifying income for W2, self-employed and retirement/pension income,
- Request and review necessary documentation for initial and final approval.
- Review title conditions and request solar and subordination agreements as needed for title clearance.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
SR. LOAN PROCESSOR
SOVEREIGN LENDING GROUP
09.2019 - 05.2020
- Process VA, FHA, and Conventional mortgage loans from start to finish, prepare and submit files to underwriting for initial review, gather conditions from borrowers and third parties as necessary to obtain final approval from underwriting, schedule notary signings and ensure all funding conditions have been satisfied.
- Maintained updated notes in Encompass at all times.
- Provided excellent customer service through consistent communication, efficiency of processes and compassion.
LOAN PROCESSOR
NATIONSTAR MORTGAGE DBA MR. COOPER
Irvine, CA
10.2013 - 03.2018
- Successfully managed a pipeline of 30-50 loans to include VA, Conventional and FHA products,
- Processed all loans from initial submission to underwriting through funding, prepared loan documents for signing and ordered notary appointments
- Maintained knowledge of current investor guidelines, as well as in-house underwriting guidelines to ensure loan approval and meet monthly funding goals.
- Ensured TRID guidelines are followed by redisclosing Loan Estimates and Closing Disclosure as required.
- Provided regular status updates to borrowers and loan officers and kept notes up to date in Encompass.
Education
HIGH SCHOOL DIPLOMA -
JOHN H. FRANCIS POLYTECHNIC HIGH SCHOOL
06.1986
Skills
- Microsoft Office
- Encompass
- DU & LP
- Doc Magic
- File Management
- Credit analysis
- Documentation Review
- Risk management assessments
- Customer Service
- Data Entry
- Problem-Solving
Timeline
Loan Officer Assistant
Home Equity Coach
05.2022 - 08.2023
LOAN PROCESSOR
INTERACTIVE MORTGAGE
01.2021 - 12.2021
SR. LOAN PROCESSOR
NEW AMERICAN FUNDING
05.2020 - 01.2021
SR. LOAN PROCESSOR
SOVEREIGN LENDING GROUP
09.2019 - 05.2020
LOAN PROCESSOR
NATIONSTAR MORTGAGE DBA MR. COOPER
10.2013 - 03.2018
HIGH SCHOOL DIPLOMA -
JOHN H. FRANCIS POLYTECHNIC HIGH SCHOOL