JEANNIE M ADELMAN
Senior Loan Processor
Orange,CA
Summary
To communicate concisely and effectively with all involved in the process, including the Loan Officer, Underwriter, Escrow Agents, Real Estate Agents, and most importantly, the Borrower. PROFILE Sr Processor with more than 30 years’ experience in Processing, Doc Drawing, Funding and Closing. Easily adapt to new programs and guidelines. Efficiently handle heavy pipelines and have the knowledge to properly analyze and quality control documents. Great asset to any team, communicating thoroughly with all parties involved while maintaining excellent customer service. Results-oriented Loan Processor highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. Over 30 years of experience in loan processing and mortgages.
Overview
30
30
years of professional experience
Work History
Senior Loan Processor
MortgageOne Inc
08.2019 - 10.2022
- Submission through funding Specialized in Non-Delegated and Delegated Underwriting Ability to work with strict deadlines Emphasized on time management skills and ability to multitask by managing timelines Organized documents of multiple projects at once Worked with loans in multiple states, researching different state guidelines Communicated with clients and loan officers to create a smooth process Handled high volume with large processing pipeline Remote processor for corporate office and worked with top producing loan officers Reviewed client income documentation and calculated monthly income for self-employed borrowers
Senior Loan Processor
WATERMARK CAPITAL INC
02.2018 - 08.2019
- Submission through funding Proficient with TRID Guidelines and Closing Disclosure Worked with loans in multiple states, researching different state guidelines Worked extensively with refinance business through the interest rate boom
- Communicated with clients and loan officers to create a smooth process Handled high volume with large processing pipeline Funded 40+ loans a month Remote processor for corporate office and worked with top producing loan officers Reviewed client income documentation and calculated monthly income for self-employed borrowers
Processing Trainer/Sr. Loan Processor
INTEGRITY FIRST FINANCIAL GROUP INC
12.2016 - 02.2018
- Assisted in onboarding new branch processors Provided online web training until processor was proficient and up and running Assisted larger branches with processing pipeline primarily in purchase business Coordinated process between real estate agent, loan officer, escrow, and client as main contact point Analyzed income, asset, credit, and property documents to ensure loan met program guidelines and had sufficient guidelines Provided calculations of self-employed borrowers to underwriter at submission Knowledge of all government loans (FHA, VA, and USDA), as well as DP Assistance, conventional, and 2nds
- Worked with loan officers to explain guidelines and qualify the borrower Explained conditions and requested necessary documentation from borrower Communicated status of loan to all parties involved Sent disclosures under HUD and GFE guidelines Processed multiple loans across the country, familiarizing myself with different state guideline
Senior Loan Processor
WATERMARK CAPITAL INC
05.2016 - 12.2016
- Submission through funding Proficient with TRID Guidelines and Closing Disclosure Worked with loans in multiple states, researching different state guidelines Worked extensively with refinance business through the interest rate boom
- Communicated with clients and loan officers to create a smooth process Handled high volume with large processing pipeline Funded 40+ loans a month Remote processor for corporate office and worked with top producing loan officers Reviewed client income documentation and calculated monthly income for self-employed borrowers
Senior Loan Processor
INTEGRITY FIRST FINANCIAL GROUP INC
07.2014 - 04.2016
- Assisted larger branches with processing pipeline primarily in purchase business Coordinated process between real estate agent, loan officer, escrow, and client as main contact point Analyzed income, asset, credit, and property documents to ensure loan met program guidelines and had sufficient guidelines Provided calculations of self-employed borrowers to underwriter at submission Knowledge of all government loans (FHA, VA, and USDA), as well as DP Assistance, conventional, and 2nds
- Worked with loan officers to explain guidelines and qualify the borrower Explained conditions and requested necessary documentation from borrower Communicated status of loan to all parties involved Sent disclosures under HUD and GFE guidelines Processed multiple loans across the country, familiarizing myself with different state guideline
Loan Processor
NATIONWIDE DIRECT MORTGAGE
02.2012 - 02.2014
- Provide excellent service to clients Evaluate financial statements and credit reports Maintain daily pipeline, tracking status of loans and update LOS Knowledge of Agency/Conventional Loans (FHA & VA) Coordinate with credit bureaus, employers, accountants and financial institutions to verify accuracy of information Accurately evaluate financial statements and credit reports Analyze income documentation, credit reports, returned verifications, and appraisal Review institution guidelines, policies and procedures to ensure that each file is compliant Submit comprehensive mortgage loan application files for underwriting approval
Funder / Closer
ROBERT HALF INTERNATIONAL
10.2011 - 02.2012
- Closing and compliance for government loan products Reviewing the fees, initiating and co-signing wires Identifying and solving issues that might arise at closing or before closing Ordering all required verifications, documentation, and subsequent follow up
Education
High School Diploma -
Mira Mesa High School
San Diego, CA06.1987
Skills
- LOAN KNOWLEDGE - Multi-
- State
- VA Loans
- FHA
- Conventional
- USDA
- Structuring 2Nd
- 3rd loans
- Down Payment Assistance Programs
- PROGRAM KNOWLEDGE
- Optimal Blue
- DU and LP
- GUS
- FHA Connection
- Byte
- Doc Magic
- Data Verify
- Encompass
- CalyxPoint
- Corelogic
- UCDP
- The Work number
- Fraud Guard
- Lotus
- Microsoft Platform: Word, Office, Outlook, Excel Quick Books
- Geo Coder
- DataTrac,
- Mers
- WebTrac
- LoanTrac
- DocuTrac
- Blitz Document Systems
- ECOA Regulation
- RealQuest
- Manage Complaints
- Financial Data Collection
- Legal Compliance
- Loan Process Coordination
- Government Standards
- Program Requirements
- Underwriting Collaboration
- Principal, Interest and Payment Calculation
- Credit and Collections
- Process Optimization
- Processing Procedures
- Documentation
- Appraisal Reviews
- Serve Customer Needs
- Background Investigations
- Financial Accounting
- Cash Flow and Financial Analysis
- Created Reports
- Microsoft Office
- Data Entry
- Loan and Transactions Advisory
- Application Preparation
- Deep Knowledge of Bankruptcy Processes
- Compile Documents
- Loan Evaluations
- Remote Video Conferencing
- Reverse Mortgages
- Bank Secrecy Act
- Calculate Payments
- Desktop Underwriter
- Regulatory Disclosure Preparation
- Foreclosures and Liquidations
- Loan Paperwork
- Client Data Gathering
- Regulatory Compliance Documentation
- Short Sales
- Information Verification
- Customer Inquiries
- Compassionate Care
- Customer Interaction
- Credit Applications
- Legal Documentation
- Sound Judgment
- Credit Bureau Contact
- Credit Reporting Software
- Status Updates
- Contacting Borrowers
- Analytical and Critical Thinking
- Reading Comprehension
- Risk Management
- Fraud Prevention and Detection
- Credit Limit Establishment
- Contract Finalization
- Consumer Loan Underwriting
- Mortgage Banking and Analysis
- Payment Schedules
- Resolve Paperwork Errors
- Government Lending
- Financial History Reviews
- Bank Security Issues
- Financial Document Review
- Risk Mitigation
- Lending Software Systems
- Coordinate Applications
Timeline
Senior Loan Processor
MortgageOne Inc
08.2019 - 10.2022
Senior Loan Processor
WATERMARK CAPITAL INC
02.2018 - 08.2019
Processing Trainer/Sr. Loan Processor
INTEGRITY FIRST FINANCIAL GROUP INC
12.2016 - 02.2018
Senior Loan Processor
WATERMARK CAPITAL INC
05.2016 - 12.2016
Senior Loan Processor
INTEGRITY FIRST FINANCIAL GROUP INC
07.2014 - 04.2016
Loan Processor
NATIONWIDE DIRECT MORTGAGE
02.2012 - 02.2014
Funder / Closer
ROBERT HALF INTERNATIONAL
10.2011 - 02.2012
High School Diploma -
Mira Mesa High School