Erin Lockett
Hardyville,Kentucky
Summary
A detail-oriented Loan Officer and Underwriter with 15+ years of banking experience providing a unique perspective of the financial world. Utilize strong written and spoken communication to proactively connect with clients and provide exceptional level of customer service. Specializing in secondary market loans and project implementation.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
Orbis Funding, LLC
03.2023 - Current
- Work with underwriters to fix application problems and resolve issues.
- Maintain high level of customer satisfaction by providing prompt and accurate loan status updates.
- Review and qualify an average of 90 leads per month resulting in 40% prequalification
- Account Manager for 15 retailers
- Research potential clients and leads
- Established social media accounts for individual and company branding, resulting in impressions growing over 1,780%
Loan Operations Manager
The Peoples Bank
08.2022 - 03.2023
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Complied with established internal controls and policies.
- Reviewed and monitored all loan activity.
- Advised corrections and wrote new procedures for best practices; created intuitive in-house cashflow analysis
- Developed strategic plans for day-to-day financial operations.
- Supported financial director with special projects and additional job duties.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
- Implemented and regularly reviewed Flood Monitoring controls to generate accurate and reliable status data while bringing the bank into compliance
- Spearheaded implementation of Sageworks software and processes for CECIL reporting
Mortgage Loan Underwriter
Mortgage Insource Services
03.2021 - 08.2022
- Contributed extensively to Business Development Committee, working to establish new mortgage company from the ground up
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Instructed live processor classes on-line
- Increased online presence and customer reach capabilities over 47% as a member of the Marketing Committee
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
Senior Mortgage Loan Processor
NewRez LLC
08.2020 - 03.2021
- Processed Conventional, VA and FHA pipeline of 45+ loans.
- Ensured smooth closings through high- level customer service with underwriters, sales, and title companies.
- Searched out information independently; assisted new team members with orientation.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
Mortgage Loan Processor
The Cecilian Bank
11.2017 - 08.2020
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Ordered services and issued disclosures
- Analyzed tax returns and calculated commercial cash-flows
- Handled any conditions sent from underwriting departments.
- Executive Assistant to the CEO
- Accepted commercial loan applications, processed CEO files, and closed loans
Legal Secretary
Garmon And Goodman, Attorneys At Law
01.2014 - 11.2017
- Prepared legal correspondence and wrote professional letters for legal assistants and attorneys.
- Organized files for court proceedings.
- Filed documents with courts on behalf of attorney.
- Produced Closing Disclosures, HUD-1, and other attorney and bank documents for closings.
- Assisted in Bankruptcy proceedings as a FreddieMac approved attorney
- Balanced Title Insurance premiums and monthly remittances
Mortgage Loan Closer
South Central Bank, Inc.
03.2013 - 01.2014
- Communicated closely with inter-company staff members to promote quick and effective loan workflow.
- Prepared all paperwork for loan package and arranged final closing meeting.
- Provided highest level of service and support to customers, closing agents and realtors.
- Reviewed mortgage documents for accuracy, which included title abstract and insurance forms.
- Cross-trained as mortgage processor.
Mortgage Loan Servicer
Edmonton State Bank
03.2008 - 03.2015
- Proved successful working within tight deadlines and a fast-paced environment.
- Developed and maintained relationships with customers, lenders and other third parties.
- Performed daily selling, funding, and servicing of FreddieMac and Federal Home Loan Bank mortgages.
- Implemented Home Affordable Modification Program (HAMP/HARP) for bank.
- Selected to attend five on-site trainings at FreddieMac
- Promoted from teller after one year
Education
Bachelor of Science - Communications, Commercial Writing, Advertising Minor
Pensacola Christian College
Pensacola, FL05.2007
Skills
- Priority management
- Communication
- Origination
- Financial analysis
- Sales
- Customer focused service
- Mortgage Lending
- Problem Solving
- Payment Collection
- Commercial Real Estate
- Credit Check Knowledge
- Cash Flows
Accomplishments
Shaped and designed a Loan Operations Manager role for a community bank
Served as the Education Committee Chair for Kentucky Mortgage Bankers Association
Graduated Kentucky Mortgage Bankers Association Future Leaders Class
Spearheaded implementation of Sageworks lending software and processes for CECIL reporting
Participated in developing a new mortgage company from the ground up
Received Kentucky Colonel Commission
Implemented the Home Affordable Modification Program (HAMP), resulting in over 2 dozen homes
being saved from foreclosure
Certification
- Licensed Mortgage Loan Officer - NMLS 1758050
- National Safe Mortgage Loan Officer May 2021 - passed exam with a score of 90%
- USDA Rural Loans Certificate, Qualify, Process and Underwrite - March 2021
Timeline
Mortgage Loan Officer
Orbis Funding, LLC
03.2023 - Current
Loan Operations Manager
The Peoples Bank
08.2022 - 03.2023
Mortgage Loan Underwriter
Mortgage Insource Services
03.2021 - 08.2022
Senior Mortgage Loan Processor
NewRez LLC
08.2020 - 03.2021
Mortgage Loan Processor
The Cecilian Bank
11.2017 - 08.2020
Legal Secretary
Garmon And Goodman, Attorneys At Law
01.2014 - 11.2017
Mortgage Loan Closer
South Central Bank, Inc.
03.2013 - 01.2014
Mortgage Loan Servicer
Edmonton State Bank
03.2008 - 03.2015
Bachelor of Science - Communications, Commercial Writing, Advertising Minor
Pensacola Christian College
Similar Profiles
Manjit SinghManjit Singh
Senior Litigation Paralegal at Pearl Capital Business Funding Funding LLCSenior Litigation Paralegal at Pearl Capital Business Funding Funding LLC
WILLIAM WENTRACKWILLIAM WENTRACK
Human Resource Data Management Associate at Orbis Holding Group, LLCHuman Resource Data Management Associate at Orbis Holding Group, LLC
Dilip Singh Sr. Mobile DeveloperDilip Singh Sr. Mobile Developer
SR. MOBILE DEVELOPER at Orbis System LLCSR. MOBILE DEVELOPER at Orbis System LLC
Whitley JamesWhitley James
Resident Program Director at Commonwealth Senior LivingResident Program Director at Commonwealth Senior Living
Dillon HoukDillon Houk
Marine Security Guard at United States Marine CorpsMarine Security Guard at United States Marine Corps