Summary
Work History
Skills
Work Availability
Work Preference
Timeline
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Gina McKay

Gina McKay

Frederick,MD

Summary

Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.

Work History

Transaction Coordinator

Cardinal Financial LLP
Charlotte, NC
12/01/22 - 10/13/23
  • Organized and tracked all transactions from contract to close of escrow.
  • Ordered payoffs, HOA statements and other required documents for closings.
  • Reviewed and verified loan applications for accuracy, completeness, and compliance with underwriting guidelines.
  • Analyzed credit reports to determine borrowers' financial status and capacity to repay mortgage loans.
  • Performed due diligence checks on potential borrowers using internal databases and public records searches.
  • Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
  • Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
  • Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.

Production Assistant/Loan Officer Assitant

Lower LLC/Homeside Mtg
Columbia, MD
11/11/21 - 11/30/22
  • Conducted credit checks, verified income and employment information, and obtained other required documentation from applicants.
  • Maintained customer files in an organized manner to ensure accurate tracking of loans.
  • Input data into loan origination system accurately and timely.
  • Monitored loan applications for completeness and accuracy prior to submission to underwriting department.
  • Answered questions regarding loan status and process from customers, real estate agents, title companies.
  • Analyzed financial information provided by applicants in order to determine eligibility for specific types of loans.
  • Attended training sessions as needed in order to stay abreast of industry regulations and standards.
  • Generated estimates clients requested, sent pre-approval letters to agents and confirmed receipt of verification of employment documentation.
  • Answered questions and advised customers regarding loans and transactions.
  • Interviewed loan applicants to obtain personal and financial data and assist in completing applications.

Senior Loan Processor

First Heritage Mortgage
Bethesda, MD
07/29/19 - 05/01/21
  • Reviewed and evaluated loan applications to ensure accuracy, completeness, and compliance with state and federal regulations.
  • Processed loan documents in a timely manner to meet closing deadlines.
  • Verified credit reports for accuracy and completeness prior to loan approval.
  • Analyzed income documentation including pay stubs, W2s, tax returns, bank statements. to determine borrower's ability to repay the loan.
  • Responded promptly to customer inquiries regarding their loan status and requirements.
  • Developed relationships with real estate agents and brokers to increase referral business.
  • Ensured that all required paperwork was completed accurately and timely by both parties.
  • Calculated income, assets and liabilities to meet lender requirements.
  • Interfaced with borrowers to obtain needed items and prepare applications for underwriting review.

Skills

  • Sales Support
  • Critical Thinking
  • Relationship Building
  • Proactive and Focused
  • Willing to Learn
  • Loan Processing
  • Attention to Detail
  • Customer Service
  • Decision-Making

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference

Work Type

Full Time

Work Location

Remote

Important To Me

Work-life balanceCompany CulturePaid sick leaveHealthcare benefits401k matchPaid time offWork from home optionPersonal development programs

Timeline

Transaction Coordinator

Cardinal Financial LLP
12/01/22 - 10/13/23

Production Assistant/Loan Officer Assitant

Lower LLC/Homeside Mtg
11/11/21 - 11/30/22

Senior Loan Processor

First Heritage Mortgage
07/29/19 - 05/01/21

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Gina McKay