Jay Allen
Arlington
Summary
Results-driven mortgage professional with 14+ years of experience in loan originations, underwriting, and customer service. Utilizing comprehensive knowledge of mortgage products, regulatory requirements, and market trends to contribute to a dynamic financial institution. Committed to delivering exceptional client experiences, driving loan growth, and ensuring compliance with industry standards while fostering long-term client relationships. Process all stages of both purchase and refinance home mortgage loans. From application intake to closing while closing an average of15-30 loans a month. Extensive training and knowledge of FHA/VA, USDA,203K, Conv, New Build, Lot loans, IRRLS, Streamlines, Condos, Co-Op’s/ recognition agreements, Escrow hold backs. Proficient in Fannie Mae, Freddie Mac guidelines, and TRID. In addition to loan document review, including but not limited to1003, purchase agreement, income, credit, appraisal, title, Closing Disclosure, taxes, and insurance.
Overview
15
15
years of professional experience
Work History
Home Equity Mortgage Loan Processor
Mr. Cooper Mortgage
08.2024 - Current
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Handled any conditions sent from underwriting departments.
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
- Analyzed borrower credit reports and income statements to verify accuracy.
Sr Loan Processor
U.S. Bank
08.2021 - 06.2023
- Processed a high volume of loan applications, maintaining a focus on accuracy and efficiency
- Review loan applications, credit reports, income documentation, and other necessary information to determine eligibility and compliance with lending guidelines
- Communicated with clients to obtain necessary documentation and provide updates on loan status
- Assisted with underwriting reviews, addressing any conditions or discrepancies
- Coordinated loan closings, ensuring all necessary paperwork was completed and submitted on time
Sr Loan Processor
Roundpoint Mortgage Company
01.2020 - 07.2021
- Conduct thorough reviews of loan applications, credit reports, and financial statements to ensure compliance with lending standards
- Coordinate with title companies, appraisers, and other third-party vendors to facilitate smooth and timely loan closings
- Collaborate with underwriters, loan officers, and clients to gather necessary information and resolve issues
- Process an average of25 mortgage loan applications per month, ensuring timely and accurate completion of all required documentation
- Train and mentor junior processors, providing guidance on best practices and regulatory requirements
Sr Loan Processor
Mr. Cooper
07.2019 - 01.2020
- Processed and managed residential mortgage loan applications from initial application through closing
- Verify and validate all borrower information and supporting documents, including employment history, income, assets, and liabilities
- Process and manage a high volume of mortgage loan applications averaging30 closings monthly, ensuring completeness and accuracy of all required documentation
- Worked closely with loan officers, underwriters, and clients to ensure the timely and accurate completion of all loan
Sr Loan Processor
CU Members
02.2017 - 06.2019
- Act as the primary point of contact for loan officers, underwriters, and clients throughout the loan process
- Communicate effectively with borrowers to obtain any missing information or documentation, and provide regular updates on loan status
- Coordinate with third-party vendors, such as appraisers, title companies, and insurance agents, to ensure timely completion of required services
- Maintain a thorough understanding of federal, state, and local mortgage regulations, including RESPA, TILA, and TRID
Sr Loan Processor
KB Homes
03.2015 - 02.2017
- Processed, prepared, and reviewed all necessary loan documents for accuracy and completeness prior to closing for all new construction properties from initial to closing
- Maintain organized and detailed loan files, ensuring all required documentation is properly recorded and stored
- Provide guidance and support to junior processors, assisting them with complex loan files and answering questions
- Identify and address any issues or discrepancies that arise during the loan process
Loss Mitigation Processor/Compliance Auditor1
Citimortgage
09.2009 - 03.2014
- Managed loan documentation and communication processes related to loss mitigation, ensuring compliance with regulatory guidelines and company policies
- Evaluated client’s creditworthiness to determine loan repayment ability
- Managed and enforced an effective legal compliance program that’s in line with both federal and state laws
- Provided management reports by collecting, analyzing, and summarizing management information
- Ensured compliance with regulations and controls by examining and analyzing records, reports, operating practices, and documentation; and recommending opportunities to strengthen the internal control structure
Education
Associates of the Arts - undefined
Tarrant County College
01.2010
Skills
- Processing procedures
- Pipeline management
- Document review
- Appraisal review
- Financial document review
- Information verification
- Residential mortgage lending regulations
- Title examination
- Loan closing procedures
- Application preparation
- Loan packaging
- Escrow coordination
- Verifying information
- Credit evaluation
- Data entry
- Customer communication
- Employment verification
- Customer service
- Problem-solving
- Desktop underwriter
- Calculations review
- Application review
- Regulatory compliance documentation
- File management
- Proficient in Encompass
WEBSITE
www.linkedin.com/in/jay-atkins-470ba990
Timeline
Home Equity Mortgage Loan Processor
Mr. Cooper Mortgage
08.2024 - Current
Sr Loan Processor
U.S. Bank
08.2021 - 06.2023
Sr Loan Processor
Roundpoint Mortgage Company
01.2020 - 07.2021
Sr Loan Processor
Mr. Cooper
07.2019 - 01.2020
Sr Loan Processor
CU Members
02.2017 - 06.2019
Sr Loan Processor
KB Homes
03.2015 - 02.2017
Loss Mitigation Processor/Compliance Auditor1
Citimortgage
09.2009 - 03.2014
Associates of the Arts - undefined
Tarrant County College
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