Jennifer Osborne
Grand Prairie, TX,TX
Summary
Senior Mortgage Loan Processor bringing 15 + years of experience. Works well with people of all backgrounds and strives to provide excellent customer service. Excellent with time management, collaborative team player, strong work ethic and a problem solver.
Overview
14
14
years of professional experience
Work History
Sr. Loan Processor
Prosperity Home Mortgage
08.2021 - 09.2023
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers via email and telephone to answer questions, process transactions, and resolve issues.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Handled any conditions sent from underwriting departments.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Set up and completed loan submission packages.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Collected and compiled paperwork such as title, insurance, appraisals, income, assets, credit docs and any other pertinent information for the loan approval process.
- Reviewed and validated details of loan applications and closing documentation.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Utilized loan origination software; Encompass to process and track loan applications.
- Provided quick turnaround times to maintain fast-past schedule and made sure to meet all service-level agreements
- Knowledgeable in Conventional, FHA, & VA Purchases.
- Run AUS and submit according to findings and guidelines.
Sr. Loan Processor
Brookhollow Mortgage
08.2014 - 10.2020
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers via email and telephone to answer questions, process transactions, and resolve issues.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Handled any conditions sent from underwriting departments.
- Set up and completed loan submission packages.
- Utilized loan origination software; Loan Soft to process and track loan applications.
- Evaluated approvals against established bank and government lending standards.
- Provided quick turnaround times to maintain fast-past schedule.
- Developed and maintained relationships with customers and loan officers and builder to establish smooth loan process.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Reviewed and validated details of loan applications and closing documentation.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Contacted customers via mail, telephone and email to relay status updates.
- Collected and compiled paperwork such as title, insurance, appraisals, income, assets, credit and any other pertinent information for the loan approval process.
- Brookhollow is an ABA with a builder, so we were processing all new construction purchases. Communication with all parties was top priority.
- Knowledgeable in Conventional, FHA, & VA Purchases.
- Run AUS and submit according to findings and guidelines.
Sr. Loan Processor
W. R. Starkey Mortgage
06.2013 - 06.2014
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers via email and telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Reviewed and validated details of loan applications and closing documentation
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Collected and compiled paperwork such as title, insurance, appraisals, income, assets, credit and any other pertinent information for the loan approval process.
- Processed Conventional, FHA, & VA Purchases and Refi's.
- Run AUS and submit according to findings and guidelines.
Sr. Loan Processor
Priority Home Mortgage
05.2009 - 06.2013
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers via email and telephone to answer questions, process transactions, and resolve issues.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Handled any conditions sent from underwriting departments.
- Set up and completed loan submission packages.
- Utilized loan origination software; Loan Soft to process and track loan applications.
- Evaluated approvals against established bank and government lending standards.
- Provided quick turnaround times to maintain fast-past schedule.
- Developed and maintained relationships with customers and loan officers and builder to establish smooth loan process.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Reviewed and validated details of loan applications and closing documentation.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Contacted customers via mail, telephone and email to relay status updates.
- Collected and compiled paperwork such as title, insurance, appraisals, income, assets, credit and any other pertinent information for the loan approval process.
- PHM is an ABA with a builder, so we were processing all new construction purchases. Communication with all parties was top priority.
- Knowledgeable in Conventional, FHA, & VA Purchases.
- Run AUS and submit according to findings and guidelines.
Education
High School Diploma -
Mt. View HS
Bend, ORSkills
- Status Updates
- Calyx Point, Encompass, Loan Soft
- Loan Paperwork
- Contacting Borrowers
- Information Verification/Validation
- Loan Underwriting Guidelines
- DU and LP
- Processing Procedures
- Client Relationships
- Excellent Communication
- Microsoft Office
- Organized
- Team Player
Timeline
Sr. Loan Processor
Prosperity Home Mortgage
08.2021 - 09.2023
Sr. Loan Processor
Brookhollow Mortgage
08.2014 - 10.2020
Sr. Loan Processor
W. R. Starkey Mortgage
06.2013 - 06.2014
Sr. Loan Processor
Priority Home Mortgage
05.2009 - 06.2013
High School Diploma -
Mt. View HS
Similar Profiles
Amy LoftusAmy Loftus
Mortgage Consultant at Prosperity Home Mortgage - Edina Realty MortgageMortgage Consultant at Prosperity Home Mortgage - Edina Realty Mortgage
Nicole JacksonNicole Jackson
Loan Processor at Prosperity Home MortgageLoan Processor at Prosperity Home Mortgage
Bryan ChristiansenBryan Christiansen
Transaction Coordinator at Prosperity Home MortgageTransaction Coordinator at Prosperity Home Mortgage