Heather Williams
Olean ,NY
Summary
Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Overview
10
10
years of professional experience
Work History
Mortgage Loan Processor
CrossCounty Mortgage, LLC
Brecksville , OH
10.2021 - 07.2022
- Working on FHA, Conventional, VA, and Bond Loans
- Proficient in Encompass
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Set up and completed loan submission packages.
- Handled any conditions sent from underwriting departments.
- Ordered FHA conditions, VOMs, WVOEs, Bond requirements, and VA documents
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Prepared file for final clear-to-close by branch management.
Mortgage Loan Processor
NewRez LLC
Fort Washington , PA
10.2020 - 09.2021
- Maintain frequent communication while providing exceptional customer service to homebuyers, branch personnel, and Homebuilding divisions throughout the entire loan process
- Manage multiple loan files
- Worked on the relocation team along with a fast paced team of closing dates less than 1 month
- Worked on FHA, USDA, First Time Homebuyers, Conventional, and Relocation loans
- Worked closely with Title companies, Escrow officers, attorneys, and other outside sources
- Pre-Underwrote files to identify problem areas prior to submission to Underwriting
- Upon loan approval, go over Conditional Commitment with borrower on what is needed for final approval
- Obtain, review and have all conditions added by underwriting cleared to ensure that loans are complete and saleable when moved to closing
Mortgage Loan Processor
HSBC Bank USA
Depew , NY
07.2015 - 10.2020
- Held a pipeline around 100 files and closed around 30-50 a month
- Maintained a long term-relationship with customers to provide a best-in-class customer service
- Worked with client moving from across country and across the world moving to the US, and clients who lived in other countries but buying and refinancing properties in the US
- Communicating with homeowners and home buyers via email and phone throughout the mortgage process
- Clear any conditions stipulated by Underwriting following conditional approval
Customer Service Representative
Bantelman, Bantelman, & Assocation Inc
Olean , NY
08.2014 - 06.2015
- Answered customer telephone calls promptly to avoid on-hold wait times.
- Offered advice and assistance to customers, paying attention to special needs or wants.
- Provided primary customer support to internal and external customers.
- Educated customers about billing, payment processing and support policies and procedures.
- Trained new personnel regarding company operations, policies and services.
- Developed highly empathetic client relationships and earned reputation for exceeding service standard goals.
- Communicated professionally with colleagues, freelancers and clients.
Mortgage Disclosure and Underwriting
Community Bank N.A.
Olean , NY
06.2012 - 08.2014
- Set up loan file with accurate fees according to selected loan program and other loan parameters.
- Prepared loan estimate with new loan application and sent initial disclosures.
- Managed company disclosure timelines to maintain delivery standards and timetables.
- Entered into record-keeping systems appropriate data needed to create new records or update existing ones.
- Worked flexible hours; night, weekend, and holiday shifts.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Carried out day-day-day duties accurately and efficiently.
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
- Worked with Underwriting to fix application problems
- Responsible for the Initial disclosures and redisclosure of all mortgage applications
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Education
High School Diploma -
Allegany-Limestone High School
Allegany, NY06.2003
Skills
- Customer Communication
- Government Standards
- Loan Application Preparation
- Critical Thinking
- Lending Software Systems
- Legal Documentation
- Mortgage Loan Processing
- Personal Reference Verification
- Loan Paperwork
- Insurance Forms
- Credit Verification
- Microsoft Word
- Customer Inquiries
Timeline
Mortgage Loan Processor
CrossCounty Mortgage, LLC
10.2021 - 07.2022
Mortgage Loan Processor
NewRez LLC
10.2020 - 09.2021
Mortgage Loan Processor
HSBC Bank USA
07.2015 - 10.2020
Customer Service Representative
Bantelman, Bantelman, & Assocation Inc
08.2014 - 06.2015
Mortgage Disclosure and Underwriting
Community Bank N.A.
06.2012 - 08.2014
High School Diploma -
Allegany-Limestone High School
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