Justinia Schmidt
Belle Plaine,MN
Summary
Accurate, dedicated and results-oriented Loan Processor highly effective at coordinating documents and processes between departments and individuals. Over 7 years of experience in loan processing and mortgages. 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
12
12
years of professional experience
Work History
Loan Processor II
Movement Mortgage
05.2020 - 07.2023
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers via telephone to answer questions, process transactions, and resolve issues.
- Developed and maintained relationships with customers, loan officers and 3rd parties to establish smooth loan process.
- Handled any conditions sent from underwriting departments.
- Provided quick turnaround times to maintain fast-past schedule.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- High Attention to detail, Excellent verbal, written and interpersonal communication skills
- Ability to work effectively, as well as independently, in a team environment
- Knowledge in VA, FHA and Conventional Loan Programs
Home Loan Processor
Wells Fargo Mortgage
09.2016 - 05.2020
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers via telephone to answer questions, process transactions, and resolve issues.
- Developed and maintained relationships with customers, loan officers and 3rd parties to establish smooth loan process.
- Handled any conditions sent from underwriting departments.
- Provided quick turnaround times to maintain fast-past schedule.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- High Attention to detail, Excellent verbal, written and interpersonal communication skills
- Ability to work effectively, as well as independently, in a team environment
- Knowledge in VA, FHA and Conventional Loan Programs
Collections Agent
Alliance One
10.2011 - 09.2016
- Processed payments and applied to customer balances.
- Achieved performance goals on consistent basis.
- Persistently reached out to customers with extremely past due accounts to recover lost revenue.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Negotiated to collect balance in full.
- Worked in call center environment handling manual and automatically dialed outbound calls.
- Counseled debtors on payment options and arranged installment agreements.
- Managed past due collection calls, skip tracing, outside collections agency coordination and litigation activities.
- Maintained high volume of calls and met demands of busy and productive group.
- Complied with fair debt practices and regulatory guidelines and kept current with changing regulations.
- Negotiated re-payment plans by identifying causes of delinquent payments to assist in recovery of debt and meet realistic timeframes.
Education
Diploma - Business Administrative Assistant
Minnesota School of Business
Shakopee, MN03.2011
High School Diploma -
Montgomery Lonsdale High School
Montgomery, MN05.2004
Skills
- Complete Loan Applications
- Knowledge of VA Loan Process
- Documentation
- Microsoft Office
- Processing Procedures
- Active Listening and Learning
- Team Work
- Excellent Communication
- Attention to Detail
References
Jason Stier Loan Officer (469)340-6451
Jonathan Tyson Underwriter (210)823-8044
Nancie Jones Underwriter (602)989-0468
Laura Zambrano Loan Officer Assistant (214)336-2831
Ricky Armstrong Team Lead (469)774-3999
Timeline
Loan Processor II
Movement Mortgage
05.2020 - 07.2023
Home Loan Processor
Wells Fargo Mortgage
09.2016 - 05.2020
Collections Agent
Alliance One
10.2011 - 09.2016
Diploma - Business Administrative Assistant
Minnesota School of Business
High School Diploma -
Montgomery Lonsdale High School
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