Joyce Washington
Jackson,MS
Summary
Experienced administrative professional offering solid background in loan processing. Coordinates documents, corrects errors and liaises with external parties to complete paperwork and facilitate smooth closings. Knowledgeable about Mortgage Loan operations, best practices, and regulatory requirements.
Successfully manages high volumes of loan documentation in fast-paced environments with demanding productivity, funding and customer satisfaction targets. Familiar with verifying tax, credit, employment, loan, personal and residential histories. Comfortable working alone or with team members to accomplish tasks and enhance processes.
Knowledgeable Loan Processor bringing 23 years of experience in banking and financial positions. Highly skilled in working well with people of all backgrounds to complete loan packages. Adept at building loyalty and trust between bank and customer. Multi-talented loan processing professional versed in customer service and bank standards. Excellent communicator and decision-maker with a strong eye for detail and a proactive nature.
Overview
24
24
years of professional experience
Work History
Mortgage Loan Processor II
Trustmark National Bank
Brandon, MS
03.2020 - 12.2023
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Ordered appraisals and title services on behalf of borrowers when necessary.
- Organized files electronically according to document type and date received.
- Examined collateral property values to ensure they meet investor guidelines.
- Gathered property appraisals, surveys and tax records to update mortgage loan files.
- Submitted completed loan packages to underwriting department for approval or denial decisions.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Researched discrepancies in documentation received from applicants or third parties.
- Coordinated activities between lenders, attorneys, realtors, insurance companies.
- Provided customer service by responding to inquiries regarding loan status.
- Reviewed loan applications and verified accuracy of borrower information.
- Scanned and uploaded loan and related documents into system.
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
- Managed conditions sent from underwriting departments.
- Communicated regularly with customers throughout the entire process from origination through closing.
- Contacted outside sources, references and vendors to verify client financial information.
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
- Inspected loan documentation for mistakes and corrected discrepancies.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Created and completed loan submission packages.
- Worked with third-party vendors to address and clear loan closing requirements.
Loan Document Specialist
Trustmark National Bank
Pearl, MS
09.2019 - 03.2020
- Reviewed loan documents to ensure accuracy and completeness.
- Organized loan documents into digital filing system.
- Reviewed and verified project documents for completeness, format and compliance with contract requirements.
- Managed document processes through scanning, filing and transmitting while following all standard procedures.
- Audited files to ensure compliance with applicable regulations.
Processor
Tempstaff
Jackson, MS
04.2019 - 09.2019
- Evaluated various forms of documentation and reports for accuracy and completeness, identified deficiencies and advised on appropriate corrective measures to improve information details or processes.
- Verified accuracy of data entry and ensured that all required fields were completed properly.
- Reviewed, sorted and scanned documents into digital format.
- Organized documents according to established procedures and protocols.
- Managed document processes through scanning, filing and transmitting while following all standard procedures.
LOAN PROCESSOR
PRIMELENDING, A PLAINSCAPITAL CO
06.2016 - 11.2018
- Setup Mortgage Loans, Order Verification of Employment, Appraisals 4506 T & SSN Verifications
- Fund Loans, Review Final Docs after loan closes for all Final Funding Documentation
- Loan Processor – Process & Analyze Loan documentation verifying and analyzing documentation for Underwriting and Closing
LOAN PROCESSOR
NOLA LENDING
05.2014 - 05.2016
- Process & Analyze Mortgage Loan Files, Verifying Employment
- Order Title Search & Appraisals
- Prepare Loan files for Underwriting and Closing
LOAN PROCESSOR
REGIONS BANK DBA REGIONS MORTGAGE
08.2005 - 04.2014
- Process & Analyze Loan files by Reviewing Bank Statements, Calculating Income from Paystubs & Tax Returns
- Also was able to underwrite Conventional Loan Files
- I was also responsible for Ordering Verification of Employment, Verification of Deposits
- Ordering Appraisals, Title Search, Tax Transcripts & SSN Verifications
LOAN PROCESSOR
MERCHANTS & FARMERS BANK
04.2005 - 08.2005
- Process & Analyze Mortgage Loan Files
- Order Title Search & Appraisal
- Prepare Loan files for Underwriting and Closing
MORTGAGE LOAN CLOSER & PROCESSOR
UNION PLANTERS BANK DBA REGIONS MORTGAGE
12.1999 - 04.2005
- As a closer I Prepared Loan Closing Packages to be sent to Closing Attorney
- As a Loan Processor I Analyzed and Processed Mortgage Loans by Ordering Title Documents, Homeowners Insurance, Verification of Employment, Etc.
- POS Certified to Underwrite Conventional Loan Files
Education
ELEMENTARY EDUCATION -
UNIVERSITY OF LA MONROE
05.1990
Skills
- Driven to Achieve
- Success in Handling Difficult and complex problems
- Energetic & Motivated
- Team Player
- Results Driven/Results Oriented
- Financial Document Review
- Information Verification
- Processing Documents
- Verifying Information
- Legal Compliance
- Employment Verification
- Credit Verification
- Personal Data Collection
- Mortgage Loan Processing
- Microsoft Office
- Customer Service
- Problem-Solving
- Credit Applications
- Customer Communication
- Desktop Underwriter
- Legal Documentation
- Mortgage Closing Scheduling
- Certified Residential Mortgage Specialist
- Bank Secrecy Act BSA
- General Mortgage Associate
- Data Entry
- Lending Software Systems
Blog
joycewashington.com
Activities
- Active in my Church as a Tribal Leader
- Active in Community & Outreach Projects
References
References available upon request.
Timeline
Mortgage Loan Processor II
Trustmark National Bank
03.2020 - 12.2023
Loan Document Specialist
Trustmark National Bank
09.2019 - 03.2020
Processor
Tempstaff
04.2019 - 09.2019
LOAN PROCESSOR
PRIMELENDING, A PLAINSCAPITAL CO
06.2016 - 11.2018
LOAN PROCESSOR
NOLA LENDING
05.2014 - 05.2016
LOAN PROCESSOR
REGIONS BANK DBA REGIONS MORTGAGE
08.2005 - 04.2014
LOAN PROCESSOR
MERCHANTS & FARMERS BANK
04.2005 - 08.2005
MORTGAGE LOAN CLOSER & PROCESSOR
UNION PLANTERS BANK DBA REGIONS MORTGAGE
12.1999 - 04.2005
ELEMENTARY EDUCATION -
UNIVERSITY OF LA MONROE