Jennifer Reed
Dublin,California
Summary
Detail-oriented Relationship Manager with a proven track record of managing a pipeline of over 100 loans. Demonstrates expertise in high-volume documentation management within fast-paced environments, while consistently achieving productivity, funding, and customer satisfaction targets. Strong analytical skills in verifying tax, credit, employment, and residential histories enhance the ability to meet client needs effectively. Committed to continuous process improvement, and optimizing operational efficiency.
Overview
29
29
years of professional experience
Work History
Relationship Manager
NQM Funding, LLC.
Boca Raton, FL
10.2024 - 02.2025
- Managed validation of documentation to regulate underwriting and closing requirements.
- Conducted comprehensive due diligence to ensure compliance with underwriting requirements.
- Managed loans from application to submission to closing by coordinating file movements between the underwriter, mortgage lender, and closing parties.
- Collaborated with lenders on underwriting guidelines for specific loan programs.
- Ensured all documentation is completed accurately prior to the submission of loan applications.
- Updated and maintained databases with current information.
Office Manager
Premier Auto Service
10.2022 - 12.2023
- Handled sensitive information with discretion, maintaining the confidentiality of company documents and personnel records.
- Provided exceptional customer service when addressing client inquiries or concerns via phone calls or email correspondence.
- Maintained computer and physical filing systems.
- Updated reports, managed accounts, and generated reports for the company database.
- Enhanced team productivity by delegating tasks effectively, and overseeing daily workflow.
- Managed office operations while scheduling appointments for department managers.
- Maintained positive customer relations by addressing problems head-on, and implementing successful corrective actions.
- Created, maintained, and updated filing systems for paper and electronic documents.
Relationship Manager
AmeriSave Mortgage
Atlanta, GA
11.2021 - 08.2022
- Scanned and uploaded loans, and related documents into the system.
- Communicated regularly with customers throughout the entire process, from origination through closing.
- Obtained and verified clearance of underwriting conditions to prepare loan files for submission and approval.
- Contacted credit bureaus, employers, and other sources to check applicants' credit and personal references.
- Ordered appraisals and title services on behalf of borrowers when necessary.
- Organized files electronically according to document type and date received.
- Worked with third-party vendors to address and clear loan closing requirements.
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
- Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
- Processed mortgage loan applications accurately and successfully for over 25 years.
Loan Coordinator
Sun West Mortgage Company
Buena Park, CA
05.2020 - 08.2021
- Ensured timely, judicious, and accurate loan processing for over 30 loan officers and underwriter teams.
- Addressed customer inquiries about loan status and requirements consistently.
- Performed detailed verification of financial documents and appraisals to support underwriting process.
- Reviewed and assessed income, assets, and liabilities in accordance with lender standards.
- Coordinated the requirements given by underwriters.
- Liaised with attorneys, title companies, lenders, and third parties for document preparation.
- Worked with third-party vendors to address and clear loan closing requirements.
- Monitored loan portfolios to ensure compliance with applicable laws and regulations.
Senior Loan Processor
Preferred Financial Inc
San Ramon, CA
04.1996 - 08.2017
- Structured loan packages by properly analyzing credit reports, income, and asset documents.
- Examined and verified the information in the loan application and closing documents.
- Discussed loan needs and financial histories with clients, and conveyed information regarding application processes.
- Analyzed income documentation, including pay stubs, W-2s, tax returns, and bank statements. To determine the borrower's ability to repay the loan.
- Processed loan documents promptly to meet closing deadlines.
- Collaborated closely with underwriters when reviewing files for final approval.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Ensured that all paperwork was completed accurately prior to submitting packages for approval.
- Collected and verified financial information from applicants.
- Researched title issues and discrepancies to ensure clear title on all real estate transactions.
- Processed incoming customer data from multiple sources into the company's software system.
- Stayed abreast of lending regulations, industry trends and market rates.
- Reviewed loan applications and supporting documents to ensure accuracy and completeness.
- Provided personalized loan options to meet clients' financial needs.
Education
Notary License - Mortgage Loan Doc
National Notary Association
Sacramento, CA01-2024
Associate of Arts - General Education
Diablo Valley College
Pleasant Hill, CA05-1993
High School Diploma -
California High School
San Ramon, CA06.1990
Skills
- Document verification
- Attention to Detail
- Proficient in most mortgage software
- Regulatory Compliance Documentation
- Government, conforming, jumbo, EQ lines, purchase, non-QM, and refinance lending
- Pipeline Management
- Problem solving
- Written and verbal communication
Employment Gap
As you can see that there is a gap in my employment, I took time off to spend time with my family and volunteer in my Son and Daughter classrooms regularly
Timeline
Relationship Manager
NQM Funding, LLC.
10.2024 - 02.2025
Office Manager
Premier Auto Service
10.2022 - 12.2023
Relationship Manager
AmeriSave Mortgage
11.2021 - 08.2022
Loan Coordinator
Sun West Mortgage Company
05.2020 - 08.2021
Senior Loan Processor
Preferred Financial Inc
04.1996 - 08.2017
Notary License - Mortgage Loan Doc
National Notary Association
Associate of Arts - General Education
Diablo Valley College
High School Diploma -
California High School
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