Josie Lobraco
Bloomingdale,IL
Summary
Experienced Loan Processor with over 20 years of expertise managing the end-to-end loan lifecycle, including document collection, verification, underwriting support, and closing coordination. Skilled in reviewing loan files for accuracy, compliance, and regulatory adherence while ensuring timely and efficient processing. Proficient in loan origination systems, data entry, and quality control processes, with a proven ability to maintain high accuracy in fast-paced, high-volume environments. Known for strong attention to detail, process improvement, and maintaining high standards of accuracy.
Overview
20
20
years of professional experience
Work History
Quality Review Examiner - Property Insurance
Xceedance
2011 - Current
- Ensured data integrity by consistently cross-referencing sources and double-checking entered information.
- Delivered consistent quality results under tight deadlines, ensuring timely completion
- Completed precise measurements using special tools
- Conducted comprehensive quality reviews to ensure compliance with regulatory standards and client specifications.
- Increased quality review policy production over 100%
Mortgage Loan Officer
Cross Country Mortgage
2016 - 2020
- Assisted clients in understanding complex mortgage terms, facilitating informed decisions about their financing options.
- Analyzed applicant financial data to determine eligibility for various loan products, tailoring recommendations based on individual needs.
- Structured loans creatively to address unique borrower situations
- Grew referral business by 40% by cultivating relationships with realtors and previous clientel
Mortgage Loan Processor/Licensed Mortgage Loan Officer
Guaranteed Rate/American Fidelity Mortgage
2010 - 2016
- Provided exceptional customer service, addressing client concerns promptly and effectively resolving any issues that arose during the loan process.
- Assisted clients in understanding complex mortgage concepts, guiding them through each step of the loan process with clarity and confidence.
- Advised clients in selecting correct loan product and terms to meet needs and financial goals.
- Achieved 98% file accuracy by conducting thorough document reviews and resolving discrepancies before underwriting
Sr. Loan Processor, Underwriter, Loan Originator
1st Advantage Mortgage
2004 - 2010
- Reduced loan application errors by 20% by implementing a thorough quality control process for all submitted applications.
- Coordinated communication between lenders, borrowers, and real estate agents throughout the mortgage process.
- Reviewed borrower financials, including income, assets, credit reports, tax returns, and appraisal reports to assess risk and eligibility.
- Delivered exceptional results under tight deadlines while maintaining a high standard of quality control throughout each stage of the loan process.
- Analyzed borrower financial information to determine loan eligibility accurately and expediently.
- Approved 90+% of loan files while maintaining strict adherence to lending guidelines and risk policies
Mortgage Underwriter/Mortgage Loan Processor/Mortgage Closer Specialist
RBC Mortgage
1998 - 2004
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Processed loan applications and monitored progress from start to finish.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Reviewed approved mortgage loan files for completeness, accuracy, and compliance with federal, state, and investor guidelines.
- Verified closing conditions, calculated final loan figures, and ensured all fees aligned with underwriting and regulatory requirements.
- Achieved a 99% on-time closing rate by proactively resolving issues and ensuring all conditions were cleared before scheduling.
Education
Core Continuing Education Licensing Certification - Mortgages / Finance
Nationwide Mortgage Licensing System
High School Diploma -
Elmwood Park High School
Elmwood Park, ILSkills
- Quality assurance data analysis
- Experienced in using Excel and Word effectively
- Exceptional customer service / Positive attitude
- Skilled in adapting to web-based platforms
- Strong commitment to confidentiality
- Critical thinking / Proactive problem solving
- Effective in team and solo settings
- Open communication with attention to detail
- Organizational skills and effective time management
- Adherence to corporate values / Strong ethical standards
Languages
English
Italian
Interests
- Fitness and Wellness
- Travel
- Culinary development
- Delivering exceptional customer service in client-focused environments
Timeline
Quality Review Examiner - Property Insurance
Xceedance
2011 - Current
Mortgage Loan Officer
Cross Country Mortgage
2016 - 2020
Mortgage Loan Processor/Licensed Mortgage Loan Officer
Guaranteed Rate/American Fidelity Mortgage
2010 - 2016
Sr. Loan Processor, Underwriter, Loan Originator
1st Advantage Mortgage
2004 - 2010
Mortgage Underwriter/Mortgage Loan Processor/Mortgage Closer Specialist
RBC Mortgage
1998 - 2004
Core Continuing Education Licensing Certification - Mortgages / Finance
Nationwide Mortgage Licensing System
High School Diploma -
Elmwood Park High School
References
References available upon request.