Erin Miller
Ponte Vedra Beach,FL
Summary
Organized Loan Officer Assistant bringing exceptional administrative, communication and problem-solving skills focused on efficiently fulfilling loan requirements.
Overview
23
23
years of professional experience
Work History
Accounts Payable/Office Manager
Advanced Concrete Construction, LLC
07.2022 - Current
- Maintained Quickbooks Accounts Payable & Receivable
- Prepared payment applications and waivers for over 20 jobs on a monthly basis.
- Processed incoming payments.
- Identified, researched and resolved billing variances to maintain system accuracy and currency.
- Applied proper codes to invoices, files, and receipts to keep records organized and easily searchable.
- Reviewed vendor invoices for appropriate documentation and validity
- Generated financial statements and reports detailing accounts receivable status
Mortgage Loan Officer Assistant
SWBC Mortgage
08.2016 - 12.2022
- Worked together with 3 Senior Loan Officers and Loan Processors to provide clients with the best possible experience.
- Interviewed loan applicants to obtain personal and financial data to assist in completing application. Requested any additional documentation needed base on the conversation with the borrower.
- Set up files using the loan officer checklist and documented borrower's information in the loan processing system and resolved any discrepancies.
- Expedited pre-approval processes by accurately evaluating applicant income, asset and credit history.
- Improved borrower experience through prompt follow-ups on inquiries and concerns during the application process.
- Monitored key dates to obtain information by deadlines.
- Managed a pipeline of mortgage applications, maintaining accuracy and prioritizing urgent cases.
- Participated in weekly team meetings to exchange ideas for continuous improvement initiatives within the department.
VA Mortgage Underwriter
Bank Of America
06.2007 - 12.2008
- Underwrote VA and Bond loans.
- Obtained SARS for VA appraisal authority.
- Obtained FHA appraisal authority.
Conventional Mortgage Underwriter
Bank Of America
08.2001 - 05.2007
- Underwrote loan applications to ensure soundness, business value and compliance with company and investor standards.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Verified integrity of applicants' information to minimize fraud.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.
- Proactively identified solutions for customers experiencing credit issues.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Balanced competing priorities effectively to meet strict deadlines for multiple loan applications simultaneously.
- Reduced processing time for mortgage applications through diligent management of underwriting tasks.
National Acquisitions Underwriter
EquiCredit
05.2001 - 07.2001
- Performed due diligence on residential loans ensuring compliance with the company's standards and guidelines.
- Examined loan documentation for accuracy and completeness.
- Analyzed credit, approves/rejects loans within credit policy standards.
- Communicated with correspondent lenders to secure all required documents.
- Conveyed results of due diligence to senior management.
- Involved in extensive travel.
Education
Bachelor of Arts - Real Estate Finance
University of North Florida
Jacksonville, FL08.2000
Skills
- Maintained pipelines for 3 Senior Loan Officers
- Loan Product Knowledge
- Customer Communication
- Loan Application Preparation
- Requesting and Reviewing Income and Credit Information for qualification
- Skilled in Encompass, DU, AUS, LP, Quickbooks
- Maintains confidentiality
- Blend
Timeline
Accounts Payable/Office Manager
Advanced Concrete Construction, LLC
07.2022 - Current
Mortgage Loan Officer Assistant
SWBC Mortgage
08.2016 - 12.2022
VA Mortgage Underwriter
Bank Of America
06.2007 - 12.2008
Conventional Mortgage Underwriter
Bank Of America
08.2001 - 05.2007
National Acquisitions Underwriter
EquiCredit
05.2001 - 07.2001
Bachelor of Arts - Real Estate Finance
University of North Florida
Similar Profiles
Tracy BentleyTracy Bentley
Heavy Equipment Mechanic Field and Shop at Advanced Concrete ConstructionHeavy Equipment Mechanic Field and Shop at Advanced Concrete Construction
Oscar ZavalaOscar Zavala
Field Engineer Party Shift at Orion Concrete Construction LLCField Engineer Party Shift at Orion Concrete Construction LLC
Jaime Ruiz-OrtizJaime Ruiz-Ortiz
Labor Worker at Freeman Concrete Construction, LLCLabor Worker at Freeman Concrete Construction, LLC
Anneliese TaylorAnneliese Taylor
Field Representative at Nielsen CompanyField Representative at Nielsen Company
Ethan YesenskyEthan Yesensky
Front Service Clerk at Winn-Dixie Stores Inc.Front Service Clerk at Winn-Dixie Stores Inc.