Jesse Staunch
Troy,NY
Summary
Knowledgeable mortgage professional with 12 successful years of experience in all aspects of the mortgage industry. I have carried loans from origination through settlement, both residential and commercial. I am an excellent communicator and decision maker with a strong eye for detail.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Life Insurance Agent
National Income Life Insurance Company
, NY
12.2022 - Current
- Assisted customers in selecting the right life insurance coverage for their needs.
- Prepared quotes for prospective customers based on their individual needs.
- Pursued continued professional development through insurance workshops, course and webinars.
- Provided personalized service to clients by phone, email, or in-person meetings.
Senior Mortgage Loan Processor
Loandepot
, NY
10.2020 - 03.2022
- Reviewed and verified loan documents to ensure accuracy and compliance with company policies and procedures.
- Analyzed applicant financial status, credit history and property appraisal to determine feasibility of granting loans.
- Prepared loan packages for underwriting, including ordering title reports, credit reports, appraisals, verifications of employment and other documentation as required.
- Actively monitored the daily pipeline to ensure timely closings of loans in process and prevent any upcoming rate lock expirations.
- Maintained regular contact with customers throughout the loan process providing updates on progress made or any needed information or documentation.
- Performed quality control reviews on final documents prior to closing.
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
- Examined title reports to verify data and clear up any liens or judgments
- Prepared and delivered all disclosure and closing packages to clients and closing agents while following all state and federal regulations.
Assistant Branch Manager
National Bank of Coxsackie
Glenmont, NY
09.2012 - 10.2020
- Provided training to new employees on company policies and procedures.
- Provided leadership and direction to staff members in order to ensure efficient operations of the branch.
- Ensured compliance with internal policies and procedures as well as external regulations.
- Resolved customer issues effectively in order to maintain strong customer relationships.
- Assessed customer financial status and credit worthiness to determine eligibility for consumer and commercial loans.
- Held NMLS license and prepared loan documents such as commitment letters, closing statements, promissory notes and deed of trust.
- Utilized manual underwriting practices to determine eligibility of clients based on company guidelines and calculated debt to income rations along with debt service coverage ratios for commercial files.
- Processed all consumer loans along with commercial and investment property loans.
Education
High School Diploma -
Greenville High School
Greenville, NY06.2010
Some College (No Degree) - General Studies
The College of Saint Rose
Albany, NYSkills
- Financial Document Review
- Proficient in Empower, Encompass, Black Knight MSP, Microsoft Suite, and several other applications
- Mortgage Loan Processing
- Desktop Underwriter and Loan Prospector
- Property Appraisals
- Consumer and Commercial Loan Underwriting
- Superior Attention to Detail
- Regulatory Compliance Documentation
- Disclosure Generating and Tracking
- Data Entry
- Banking
- Loan Application Assessment
- Customer Service
Certification
- Life, Accident and Health Insurance License
Timeline
Life Insurance Agent
National Income Life Insurance Company
12.2022 - Current
Senior Mortgage Loan Processor
Loandepot
10.2020 - 03.2022
Assistant Branch Manager
National Bank of Coxsackie
09.2012 - 10.2020
High School Diploma -
Greenville High School
Some College (No Degree) - General Studies
The College of Saint Rose
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