Heather Henry
Senior Mortgage Processor
Mechanicville,NY
Summary
Professional in mortgage loan processing equipped to handle high-stakes roles. Adept at managing complex loan files and navigating regulatory requirements. Emphasizes team collaboration, adaptability, and achieving results in dynamic environments. Known for excellent organizational skills and strong analytical capabilities.
Overview
20
20
years of professional experience
1
1
Language
Work History
Senior Mortgage Loan Processor
Lennar Mortgage
05.2024 - 01.2026
- Managed a large pipeline of loans, prioritizing tasks to ensure deadlines were met consistently.
- Mentored junior colleagues, offering guidance on best practices for managing workloads and meeting performance metrics.
- Improved interdepartmental communication by establishing clear protocols for sharing information among team members.
- Exceeded customer satisfaction ratings by providing timely updates on loan statuses and addressing concerns promptly.
- Ensured compliance with industry regulations by staying up-to-date on changes in policies and guidelines related to mortgage lending.
- Reduced turnaround time for mortgage approvals through effective communication with underwriters and loan officers.
Mortgage Loan Processor
Trustco Bank
01.2023 - 05.2024
- Process all loans including Conventional, FHA, VA, USDA and new construction.
- Contacting customers daily to provide status updates, set expectations, and collect any outstanding documentation needed.
- Fast paced environment. Work directly with customers, loan originators, underwriters and management for quick turnaround times within 21-30 days.
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
- Facilitated smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.
Mortgage Loan Processor
Sunmark Credit Union
04.2022 - 12.2022
- Review credit documents for accuracy and completeness prior to submitting the file into the underwriter for review.
- Communicating with the borrower, loan originator, and underwriter to get the file approved and ensure a timely closing.
- Responding to emails and phone calls and messages in a timely manner to ensure the best possible experience for each borrower.
- Upon initial approval, sending the borrower the commitment letter, collecting all necessary documents and resubmitting once all conditions have been fulfilled for the underwriter to issue the clear to close.
- Input all accurate information into Encompass platform and run AUS findings.
Mortgage Loan Processor
Cross Country Mortgage LLC
05.2021 - 02.2022
- Review credit documents for accuracy and completeness prior to submitting the file into the underwriter for review.
- Input all accurate information into Encompass and run AUS findings for eligibility.
- Communicating with the borrower, loan originator, and underwriter to get the file approved and ensure a timely closing.
- Responding to emails and phone messages in a timely manner to ensure the best possible experience for each borrower.
Mortgage Loan Processor
Homestead Funding Corp.
10.2015 - 05.2021
- Review credit documents for accuracy and completeness prior to submitting the file into the underwriter for review.
- Input all accurate information into Encompass and run AUS findings for eligibility.
- Communicating with the borrower, loan originator, and underwriter to get the file approved and ensure a timely closing.
- Responding to emails and phone messages in a timely manner to ensure the best possible experience for each borrower.
Service Writer
New Country Toyota and Scion of Clifton Park
04.2014 - 10.2015
- Develop relationships with customers and keep them informed of the work being performed on their vehicles.
- Logging all repairs and parts used to calculate cost of each visit to provide to the service manager.
- Calculating estimates for repairs needed and present the estimates to the customer.
Solutions Professional
State Employee Federal Credit Union
05.2013 - 03.2014
- Taking loan applications and underwriting them with members of the credit union.
- Review credit reports for each loan to seek other savings opportunities with members.
- Review and upload documents that are obtained by email and fax to each loan application.
- Meet monthly goals that are set by management in the department.
Consumer Loan Processor
State Employee Federal Credit Union
04.2008 - 09.2012
- Responsible for underwriting and processing loan applications with lending authority of $20,000.00.
- Responsible for cross selling various credit union products and services to members and potential members.
- Obtain monthly goals and use resources available to meet each member's needs.
Consumer Loan Processor
State Employee Federal Credit Union
10.2005 - 04.2008
- Fast paced work environment that includes many duties.
- Maintaining and handling bank accounts and accommodating the members of our credit union.
- Members are first at SEFCU and we handle any questions they may have and also look out for their best way to finance their money.
- Other duties of being a cash line representative include making sure we are accurate with our cash coming in and going out.
- In doing this, we audit our own cash drawers at the end of each shift and report to our management team.
- Consistency in the paced institution while taking members as quickly and accurately as possible.
- Also, as others are busy handling many different duties, answering phones and taking messages is part of the job description.
- Responsible for the supervisor cash box on a daily basis and mentoring new employees.
- Being sure new employees are comfortable with their duties responsible to fulfill their new role.
Education
Human Services -
Hudson Valley Community College
New York, NY08.2005
Regents Diploma - undefined
Mechanicville High School
01.2004
Skills
Exceptional communication skills
strong team player
Guarantee work ethic
Dependable
Proficient with Encompass
Proficient with both Fannie and Freddie AUS systems
Continuous improvement mindset
Timeline
Senior Mortgage Loan Processor
Lennar Mortgage
05.2024 - 01.2026
Mortgage Loan Processor
Trustco Bank
01.2023 - 05.2024
Mortgage Loan Processor
Sunmark Credit Union
04.2022 - 12.2022
Mortgage Loan Processor
Cross Country Mortgage LLC
05.2021 - 02.2022
Mortgage Loan Processor
Homestead Funding Corp.
10.2015 - 05.2021
Service Writer
New Country Toyota and Scion of Clifton Park
04.2014 - 10.2015
Solutions Professional
State Employee Federal Credit Union
05.2013 - 03.2014
Consumer Loan Processor
State Employee Federal Credit Union
04.2008 - 09.2012
Consumer Loan Processor
State Employee Federal Credit Union
10.2005 - 04.2008
Regents Diploma - undefined
Mechanicville High School
Human Services -
Hudson Valley Community College