Jennifer Barney
Massena,NY
Summary
Detail-oriented Mortgage Loan Processing Professional with 28 years of experience in residential mortgage lending, including Conventional, FHA, VA, USDA, Jumbo, and Down Payment Assistance programs. Expert in managing loan files, coordinating with stakeholders, and ensuring compliance with complex processing requirements. Dedicated to facilitating timely mortgage closings through organized workflows and effective communication.
Overview
16
16
years of professional experience
Work History
Real Estate Loan Processor
Synergy One Lending, Inc.
San Diege, CA
09.2024 - 10.2026
- Processed and pre-underwrote purchase and refinance real estate loans.
- Reviewed mortgage applications for Synergy One Lending retail loan files.
- Managed pipeline tasks to ensure timely progression of loan files through review stages.
- Organized workflows to streamline operations and maintain consistent processing standards.
- Facilitated communication among team members to improve collaboration and information sharing.
- Demonstrated strong communication and organizational skills in managing projects.
- Reviewed borrower documents for completeness, accuracy, and loan eligibility.
- Coordinated with underwriters, loan officers, and closers on file conditions.
- Collected missing disclosures, statements, and verification documents from borrowers.
- Communicated loan requirements clearly to borrowers and internal lending teams.
- Analyzed credit reports, income statements, asset documentation, appraisals and title reports.
Real Estate Loan Processor/Loan Closer
Mann Mortgage, LLC
Kalispell, Montana
02.2012 - 09.2024
- Prepared and audited closing documents for accuracy and compliance
- Calculated and reconciled closing costs to ensure clarity and transparency
- Managed logistics for closing events to facilitate seamless operations.
- Reviewed mortgage applications for Mann Mortgage loan files and missing documentation.
- Communicated with borrowers to gather income, asset, and identity records.
- Coordinated with underwriters to clear conditions and finalize loan approvals.
- Tracked loan status through processing systems and updated file notes.
- Ordered verifications, title reports, and insurance documents for closing.
Real Estate Loan Processor
Missoula Federal Credit Union
Missoula, MT
06.2010 - 02.2012
- Applied in-depth knowledge of underwriting and compliance regulations to ensure loans met criteria for direct sale to Fannie Mae.
- Processed and underwrote conforming real estate loans, assessing borrowers' financial strength and creditworthiness to facilitate loan approval.
- Prepared closing documents for real estate transactions, ensuring accuracy and compliance with regulations.
- Tracked deadlines, missing documents, and processor tasks across active loan files.
- Analyzed credit reports, income statements, asset documentation, appraisals and title reports.
- Inspected loan documentation for mistakes and corrected discrepancies.
Education
High School Diploma -
Canton College of Technology
Canton, NYSkills
- Loan processing
- Mortgage underwriting
- Pipeline management
- Document preparation
- Compliance review
- Underwriting regulations
- Encompass software
Timeline
Real Estate Loan Processor
Synergy One Lending, Inc.
09.2024 - 10.2026
Real Estate Loan Processor/Loan Closer
Mann Mortgage, LLC
02.2012 - 09.2024
Real Estate Loan Processor
Missoula Federal Credit Union
06.2010 - 02.2012
High School Diploma -
Canton College of Technology