Ernettor Belton
First National Bank With Robert Half
Greensboro,NC
16
years of professional experience
Mortgage professional with strong analytical skills and deep understanding of loan processing, servicing and risk management. Skilled in team collaboration, adapting to evolving priorities, and maintaining high standards under pressure. Adept at utilizing industry software and maintaining detailed records to support decision-making and client communication.
Work History
Notary Public
4 Years 4 Months- Serve the public with legal authority to confirm the signatures for official documents.
- Verified identities and signatures to maintain document integrity and prevent fraud.
- Checked documents for accuracy and correct signing before notarizing.
Remote Mortgage Loan Processor
1 Year 2 Months- Adhered to industry regulations, policies, and procedures, compliance requirements for FHA, VA, and conventional loans. Processing refinance and purchase loans, from the initial approval to closing.
- Ensured loan files complied with investor/insurer guidelines, state/federal regulations, and bank policies prior to closing.
- Single of point of contact, inbound, outbound calls, and email communication with internal and external entities.
- Analyzed credit reports and financial statements, identifying potential risks and verifying borrower eligibility.
- Coordinated with appraisers and title companies to ensure timely completion of property evaluations and title searches.
Independent Consultant
2 Years 4 Months- Helped homeowners to navigate terms and explore options to avoid foreclosure, while establishing realistic expectations. With client authorization worked as liaisons between the homeowner and the lender. Assisted homeowner with assembling required documents to submit to lender.
- Educated homeowners on HOA foreclosure judicial process, and separation of the homeowner’s obligation to their HOA and lender.
- Optimized customer experience by delivering superior services and effectively troubleshooting issues.
Mortgage Loan Processor
4 Months- Processed mortgage applications while adhering to regulatory standards and internal guidelines.
- Assisted loan officers in collecting required documents to facilitate prompt application approvals.
- Reviewed credit reports and financial statements to evaluate borrower qualifications and potential risks.
- Employed mortgage processing software to monitor application progress and streamline workflow.
- Supported loan officers by delivering accurate and timely service to clients throughout the mortgage journey.
- Addressed conditions from underwriting departments efficiently.
- Aided the mortgage team by assisting in loan documentation review, data entry, and client communication.
- Processed mortgage loan applications accurately and effectively for several years.
Senior Loan Servicing Specialist
8 Years 2 Months- Researched and analyzed escalated complaints and/ or data inconsistencies to identify root causes. Analyze homeowners' financial situation; conducted hardship interviews, financial affordability assessments and calculations.
- Collaborated and communicated with borrowers, delegated authorities, and other departments to discuss loss mitigation options/ strategies to ensure full resolution and negotiation of sensitive matters.
- Document preparation for loss mitigation review, ensured required loan documents aligned with investor guidelines / contractual terms, internal bank policies and requirements; and state mandates / external regulations.
- Documented findings, vital information, identified risks and the steps needed and taken to resolve delinquency or processing errors.
- Ordered supporting documents BPO, foreclosure fees and cost, and all applicable.
- Submitted completed loss mitigation package for underwriting decision. Managed all borrower and attorney phone calls and correspondence.
- Managed loan pipeline, meeting expectations and service levels. Serving as the single point of contact.
- Partnered with foreclosure team to ensure SCRA and guidelines followed.
- Provided training for new hires, fostering a supportive learning environment conducive to success in their roles.
Education
Property And Casualty Insurance
Life And Health Insurance - Insurance
High School Diploma
Skills
Assisted in consumer lending processes.
Supported mortgage loan processing tasks.
Managed default operations effectively.
Handled accounts receivable duties.
Performed data entry and documented calls accurately.
Provided customer service assistance.
Facilitated mobile notary services.
Coordinated pipeline management activities.
Conducted document reviews.
Reviewed appraisals thoroughly.
Examined financial documents for accuracy.
Verified information consistently.
Maintained compliance with residential mortgage lending regulations.
Utilized loan origination software for efficient processing.
Processed documents in a timely manner.
Conducted employment verification.
Applied problem-solving techniques.
Military Service
Veteran US Army: Air Defense Artillery 2818 Unit El Paso, Tx
Timeline
Mortgage Loan Processor
First National Bank With Robert Half
03.2026 - CurrentRead More
Notary Public
Commission Notary Public of North Carolina
03.2022 - CurrentRead More
Remote Mortgage Loan Processor
Annie-Mac Home Mortgage
11.2020 - 01.2022Read More
Independent Consultant
Self Employed Services
07.2018 - 11.2020Read More
Senior Loan Servicing Specialist
Wells Fargo Home Mortgage
05.2010 - 07.2018Read More
Northwestern High School
High School Diploma
Read More
Brewer Insurance School
Life And Health Insurance from Insurance
Read More
Kaplan
Property And Casualty Insurance
Read More