Summary
Overview
Work History
Education
Skills
Work Availability
Timeline

Jessica Bowles

Miamisburg,OH
The way to get started is to quit talking and begin doing.
Walt Disney

Summary

Results-oriented Loan Processor highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. Over 14 years of experience in loan processing and mortgages.

Accurate and dedicated Loan Procssor evaluates financial documentation and promotes positive client interactions. Works exceptionally well in fast-paced environments driven by tight deadlines. Employs critical eye toward document details and customer information to avoid errors and promote efficiency.

Overview

13
13
years of professional experience

Work History

Loan Manager

Guaranteed Rate
06.2021 - 01.2023
  • Maintain a large and accurate pipeline, calculating income for both W2 and self-employed borrowers, ordering appraisals, FHA case numbers along with CAIVRS
  • Submitting an accurate and complete 1003 to our underwriting department
  • Following up with the loan officers and borrowers on a regular basis.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
  • Monitored pipelines to track and log status of loans.
  • Explained very technical financial information to applicants in easy to understand language.
  • Proactively identified solutions for customers experiencing credit issues.
  • Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
  • Compiled closing packages for drafting and presentation accuracy.
  • Established plans and payoffs for customers' loans, prioritizing control of overall costs.
  • Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
  • Carried out day-day-day duties accurately and efficiently.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
  • Maintained energy and enthusiasm in fast-paced environment.

Loan Manager

Pacific Residential Mortgage
04.2020 - 06.2021
  • Maintain an accurate pipeline, Order title, appraisals, COCs
  • Take ownership of a file once it is triggered to me
  • Schedule pipeline meetings with loan officers and team 2 times a week to go over files
  • Problem solving, and resolution of issues
  • Run FraudGuard on each file and research any issues on it
  • Maintain accurate closing dates and funding dates within the encompass system
  • Calculate accurate income
  • Order closing docs, communicate with closing department and title.
  • Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
  • Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
  • Monitored pipelines to track and log status of loans.
  • Explained very technical financial information to applicants in easy to understand language.
  • Proactively identified solutions for customers experiencing credit issues.
  • Compiled closing packages for drafting and presentation accuracy.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
  • Carried out day-day-day duties accurately and efficiently.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
  • Maintained energy and enthusiasm in fast-paced environment.

Loan Assistant

Rapid Mortgage
04.2017 - 03.2020
  • Communicated with customers daily to request information and complete paperwork.
  • Worked with Loan Officer to create application profile in system and review key information at various stages within process.
  • Assembled important paperwork and disclosures for borrower.
  • Monitored key dates to obtain information by deadlines.
  • Cultivated productive relationships with clients, realtors and title/escrow officers to increase profits and expand customer base.
  • Assessed loan compliance to meet mortgage lending laws and regulations.
  • Ordered information such as credit reports, environmental assessments and property appraisals.
  • Managed transfer of files for underwriter approval, mortgage loan handling and closing process, resulting in speedier workflows.
  • Maintained compliance with Fair Lending Practices, Home Mortgage Disclosure Act guidelines, Truth in Lending Act requirements and bank policies.
  • Reviewed application files to check for completion and compliance with institutional standards.
  • Processed FHA, USDA, Conventional, 203K and Jumbo loans.
  • Scheduled and conducted mortgage closings.
  • Entered customer and loan information into Encompass database.

Post Closer

Absolute Title Agency
06.2018 - 04.2019
  • Double checked for accuracy, I also scheduled closing for the closers and out of town closings
  • Completed post-closing quality control evaluations of originated mortgage loans.
  • Managed disbursements, cut and processed checks and mailed correspondence.
  • Prepared loan packages and closing instructions for bank employees.
  • Oversaw paperwork processing for FHA, VA, CONV, JUMBO and USDA loans.
  • Checked accuracy and completeness of all paperwork.
  • Prepared and reviewed buyer, seller, HUD and other transaction documents.
  • Reviewed and validated details of loan applications and closing documentation.
  • Also prepared closing docs
  • Other miscellaneous tasks as needed.
  • Worked with warehouse banks to manage shipment of collateral documents.

Education

High School Diploma -

Valley View Schools, Germantown
05.1995


  • Honor Roll all four years.


  • 3.50 GPA
  • Extracurricular Activities: softball, drama club

Skills

  • Proficient in Word, Excel, Encompass, Byte, EPIC and Xdoc
  • Team Collaboration
  • Document Verification
  • Program Requirements
  • Customer Interaction
  • Closing Preparation
  • Customer Satisfaction
  • Loan Evaluations
  • Contacting Borrowers
  • Closing Assistance
  • Financial Underwriting
  • Loan Process Coordination
  • Loan Processing Management
  • Government Standards
  • Microsoft Office
  • Statement Reviews
  • Reviewing Credit Information
  • Application Checks
  • Lending Software Systems
  • Product Knowledge
  • Risk Management Assessments
  • Administrative Support
  • Desktop Underwriter
  • File Processing
  • Submission Coordination
  • Property Appraisals
  • Application Reviews
  • Submissions Management
  • Financial History Assessments
  • Financial Transactions Expertise
  • Log Maintenance
  • Change Orders
  • Mortgage Broker Collaboration
  • Loan and Transactions Advisory
  • Clerical Support
  • Debt Determination
  • Regulatory Compliance Documentation
  • Detailed Analysis
  • Principal, Interest and Payment Calculation
  • Compile Documents
  • Credit Limit Establishment
  • Client Support
  • Underwriting Regulations
  • Training Classes
  • Credit Applications
  • Consumer Loan Underwriting
  • Closing Documentation
  • Credit Bureau Contact
  • New Product Information
  • Loan Information Recording
  • Resolve Paperwork Errors
  • Closing Costs Calculation
  • Bank Secrecy Act
  • Mortgage Insurance Arrangement
  • Home Mortgage Disclosure Act
  • Tax Receipts
  • Financial Data Collection
  • General Mortgage Associate
  • Credit Reporting Software
  • Loans
  • Banking

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline

Loan Manager - Guaranteed Rate
06.2021 - 01.2023
Loan Manager - Pacific Residential Mortgage
04.2020 - 06.2021
Post Closer - Absolute Title Agency
06.2018 - 04.2019
Loan Assistant - Rapid Mortgage
04.2017 - 03.2020
Valley View Schools - High School Diploma,

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Jessica Bowles