Heather Unruh
Beaverton,OR
Summary
Motivated professional with a strong background in the mortgage banking industry. Eager to take on new challenges and leverage transferable skills. Committed to delivering high-quality services and maximizing productivity. Driven to excel in this dynamic field. Seeking opportunities to utilize expertise and effectively contribute to organizational success.
Overview
2025
2025
years of professional experience
Work History
Loan Partner/Loan Officer Assistant (Licensed)
Directors Mortgage
02.2024 - Current
- Assistant to the Irwin Team (Top Producer/ 4 originator)
- Provide creative financing and solutions to non-qualified transactions
- Take loan applications for the team and my own self source business
- Price and Lock in Loans
- Network and communicate with realtors and provide client/pipeline updates
- Attend Marketing campaign and recruiting events
- Manage Bridge Loan report to upper management to ensure they are off the books before 6 months
- Structure, set up, preapprove, and disclose all in house programs, Broker loans, ODVA, Bridge loans, Hard Money, and Chattel Loans (Manufactured homes in the park)
- Coordinate and support to Processing, Underwriting, Upper Manager, and Marketing dept.
Loan Officer Assistant (Licensed)
Bay Equity LLC
02.2023 - 09.2023
- Assistant to Sales manager; Brie Fisher (Top 10/President Club)
- Coordinate with clients, processing, underwriting, & closing, to ensure all documents and service level agreements/milestones are met
- Communicate with Underwriters, Processors, & all Managers for any conditional items of concerns, timelines for closing, and RUSH request
- Disclose, re-disclose, program change, lock in rates, request pricing exceptions, & communicate with clients on all disclosures and need lists
- Track activity & provide status report from all parties to Redfin agents, Managers, and CRM three times per week
- Call/follow up with clients to review application for completeness, collect missing documents, & run AUS for Credit and preapproval letters
- Creatively work with the Marketing dept on campaigns and flyers
- Call, track, & follow up on leads within 24 hours from Loan officer initial contact
- Assist Loan officer in origination duties when she is not available or on PTO
- Attend monthly in person Redfin & Manager meetings
Solutions Desk Manager (Internal Account Executive)
Churchill Mortgage
01.2022 - 02.2023
- AUS and Encompass problem Solve DU, LP, and GUS
- Provide Coverage for Home Loan Assistants and Production Manager
- Answer Production & Operations staff questions about loan products and loan files
- Provide training on company policies and procedures, to support a legendary experience for our customers
- Spend a portion of each day in contact with Production & Operations staff
- Gain understanding of Production staff product needs and parlay that into new loan products (working with the Product Manager)
- Assist in the development of new marketing materials per the needs of our sales teams
- Provide marketing materials to Production & Operations staff
- Assist in communicating to the operations team about loan operation inefficiencies and solutions to improve them
- Provide training and conduct informational meetings for Production staff
- Perform other duties and projects as assigned or requested
Sr. Processor for The Westerlund Group
Churchill Mortgage
12.2020 - 01.2022
- Branch Processor for Happy Valley Branch (Team Westerlund)
- Run Daily and Weekly Pipelines meeting with Priority Status, Milestones, and Closings
- Provide PTO coverage for other Processor or Teams
- Communicate with Clients throughout with Excellent Customer service throughout the loan process
- (Submission, Conditional approval, Clear to Close, and Funding/Closing)
- Balance CD and Disclose/Redisclose to Borrower
- Assisting Loan Officer, Underwriters, Closers, Funders, and Compliance to ensure High Quality Files
Loan Officer
Bank of America Home Loans
2019 - 2020
- Self-Sourcing Originator at Washington Square Financial Center
- Work with Bankers/Tellers to build Clients and Referring relationships
- Use Salesforce for CRM and activity tracker
Home Mortgage Consultant
Wells Fargo Home Mortgage
2012 - 2019
- Certified in New construction, Lots, and Condos
- Referring New Banking Relationship to Wells Fargo Banking branches
- Originate Home Mortgage loans concentrating on purchase business
- Production/Team partnership with Jenny Yuen in 2015
- Established solid realtor partners and worked consistently with 4-5 realtors that provided steady purchase business
- Business was sent to realtors and received from realtors
- Pre-underwrite and Process active pipeline to be sent to fulfillment with high quality rating
Loan Officer/One Time Close (OTC) Administrator
Finance of America Mortgage
2016 - 2018
- Self-Sourcing Business and Relationship from Builders, Realtors, Friends, Family
- Business of 250 Plus Employees, Networks within Lenders, and Cambodian Community
- Referring Loan officer for all of Skyline Branch in NW Division for Construction and Renovations Loans
- Building Relationships with Loan Officer, Investor, and Builders to promote OTC programs and Scenarios
Transaction Coordinator (Processor) /Loan Officer
Finance of America Mortgage LLC
2016
- Branch Support/Processor for the NE PDX branch with a team of 5 Loan officers
- Assist Loan officer with: File Setup, complete disclosures/re-disclosures, Request Pricing/Lock in rates, and Research Guidelines/Scenarios questions
- Order Appraisal while corresponding between clients, loan officer, AMC for a faster turn time and approval of RUSH fees
- Pre-Underwrites and run AUS to meet Guidelines before credit approval submission
- Work directly with clients and Mortgage Operations teams for collection, and clearance of conditional approval items
- Coordinate with clients, escrow, and closing/funding dept
- For: closing disclosures release, HUD/CD balancing/approval, coordinate signing, and clearance of any prior to funding conditions
- Self-Originate loans after hours and weekend (Average 3 loans per month)
Builder Service Group (BSG) Loan Specialist (Construction Processor)
Umpqua Bank
2014 - 2016
- Knowledgeable of TRID
- Support Multiple Loan officers from Oregon, Washington, Idaho, and California area
- Assist Loan Officers with Conditions from Customer/Clients
- Order Appraisal, Title/Escrow, Insurance Binders, Verbal VOE's, and Any Required Closing Conditions
- Assist in Exception request and Guidelines overviews to All Parties
- Pre-Underwrite Files and Work with Underwriters directly to Clear Conditions
- Assist the Project Approval Team in Approving New Builder & Projects
- Specialize in FHA 203k, Fannie Mae Homestyle Renovations, Freddie Mac Renovations, Full Interim/Perm Construction Financing, and Prestarted construction
- Provide Support to Team Members (Sick, Vacation, or Overflow of Units)
Education
Bachelor of Arts - Business Administration And Management
Portland State University
Portland, OR2000
Skills
- Oregon and Washington State NMLS License #1000054
- Fluent in Khmer (Cambodian)
- Problem-solving Aptitude
- Operations Management
- Analytical Thinking
- Adaptability and Flexibility
- Mortgage Banking State/Federal Regulations
- Wholesale Lending 1st and 2nd Mortgage
- Construction Lending
- Leadership & Management Skills
- Interpersonal Communication Skills
- High Performance Sales
- Great Organizational Skills
- Time Management Skills
- Integrity Driven
- Microsoft Word, Excel and Powerpoint
- Processing Software: OMNI, TMO, NETOXYGEN, POINT, GENESIS, ENCOMPASS, CORE, BYTE, and Banking Proprietary Platforms
- Software Experiences: DU, LP, GUS, FHA Connections, VA Portal,
Timeline
Loan Partner/Loan Officer Assistant (Licensed)
Directors Mortgage
02.2024 - Current
Loan Officer Assistant (Licensed)
Bay Equity LLC
02.2023 - 09.2023
Solutions Desk Manager (Internal Account Executive)
Churchill Mortgage
01.2022 - 02.2023
Sr. Processor for The Westerlund Group
Churchill Mortgage
12.2020 - 01.2022
Loan Officer
Bank of America Home Loans
2019 - 2020
Home Mortgage Consultant
Wells Fargo Home Mortgage
2012 - 2019
Loan Officer/One Time Close (OTC) Administrator
Finance of America Mortgage
2016 - 2018
Transaction Coordinator (Processor) /Loan Officer
Finance of America Mortgage LLC
2016
Builder Service Group (BSG) Loan Specialist (Construction Processor)
Umpqua Bank
2014 - 2016
Bachelor of Arts - Business Administration And Management
Portland State University
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