Jodi Lawrence
Renton,WA
Summary
Well-qualified administrative team member bringing demonstrated knowledge and abilities in loan processing. Effective at organizing paperwork, resolving discrepancies and working with Loan Originators as well as third-party vendors to clear issues and completing closings. Proficient in Conventional, VA, FHA as well as brokered-loan programs and products.
Overview
29
29
years of professional experience
Work History
Mortgage-loan-processor
Absolute Mortgage Corporation DBA American Pacific
05.2006 - 05.2024
- Working Knowledge of DataTrac, Point, Encompass, DU, LP and other software as required.
- Reduced loan application errors by implementing thorough quality control process for all submitted applications.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Handled any conditions sent from underwriting departments.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Developed strong working relationships with Escrow and Title agents, further expanding referral networks .
- Maintained accurate records of loan processing activities and documents.
- Coordinated closing process with attorneys, escrow and title companies.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Set up and completed loan submission packages.
- Expedited mortgage approval times by proactively resolving any discrepancies in borrower documentation.
- Communicated with originator concerning progress of loan file.
- Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
- Ensured compliance with federal lending regulations through meticulous attention to detail during loan processing phase.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Managed high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Facilitated smooth closing processes by collaborating effectively with title companies and escrow.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Processed mortgage loan applications accurately and successfully for over 18 years.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Excellent communication skills, both verbal and written.
- Adaptable and proficient in learning new concepts quickly and efficiently.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Demonstrated high level of initiative and creativity while tackling difficult tasks.
- Self-motivated, with strong sense of personal responsibility.
- Skilled at working independently and collaboratively in team environment.
- Organized and detail-oriented with strong work ethic.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
- Proved successful working within tight deadlines and fast-paced environment.
- Developed and maintained courteous and effective working relationships.
- Analyzed borrower credit reports and income statements to verify accuracy
- Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently
Mortgage Loan Processing Assistant
Absolute Mortgage
Bellevue, WA
09.2002 - 05.2006
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Contributed to a positive work environment with strong interpersonal skills and proactive teamwork attitude.
- Safeguarded sensitive information through proper documentation handling, data entry, and record maintenance procedures.
- Reviewed and edited documents for accuracy, grammar and clarity.
- Answered and managed incoming and outgoing calls while recording accurate messages for distribution to office staff.
- Proven ability to learn quickly and adapt to new situations.
Mortgage Loan Doc Drawer
Western States Mortgage
Bellevue, WA
06.1995 - 06.1999
- Utilizing Company Doc Drawing checklist, review loan file for completeness accuracy
- Ensure address and vesting consistent on title report, appraisal, escrow instructions, loan
- documents, and FHAC
- Verify rate, loan amount, and fees are consistent on loan documents and approval.
- Ensure all fees compliant according to REPA 2010 re-disclosure requirements
- Ensure loan document date compliant with MDIA requirements
- Prepare and issue loan documents to escrow for borrower signature
- Ensure all loan documents are issued within department turn time policy
Education
High School Diploma -
Corona Christian School
Corona, CA 06.1984
Skills
- Problem-solving abilities
- Multitasking Abilities
- Proficient in Byte, Encompass, DU and LP
- Attention to Detail
- Microsoft Office
- Written Communication
- Analytical Skills
- Organizational Skills
- File Management
- Adaptability
Timeline
Mortgage-loan-processor
Absolute Mortgage Corporation DBA American Pacific
05.2006 - 05.2024
Mortgage Loan Processing Assistant
Absolute Mortgage
09.2002 - 05.2006
Mortgage Loan Doc Drawer
Western States Mortgage
06.1995 - 06.1999
High School Diploma -
Corona Christian School
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