KAREN (SONSON) DEI
St. Petersburg,FL
Summary
Mortgage operations professional with expertise in residential loan processing and pre-underwriting. Successfully managed high-volume pipelines and trained processors, enhancing team efficiency and compliance. Strong background in closing coordination, post-closing audits, and multi-branch operations.
Overview
41
41
years of professional experience
Work History
Regional Senior Processor
KIND LENDING, LLC
Irvine, CA
09.2023 - Current
- Managed loan processing for corporate and regional branches, streamlining workflows and enhancing compliance.
- Prepared complete, accurate, compliant loan files for underwriting, ensuring readiness for closing.
- Collaborated with underwriters to resolve issues and facilitate approvals.
- Reviewed documentation for compliance with company policies and regulations.
- Processed loan applications for diverse client needs and requirements.
Regional Mortgage Processor
UMORTGAGE
Philadelphia, PA
12.2022 - 09.2023
- Processed 30–40+ residential mortgage loans monthly for headquarters and individual branches, ensuring timely and accurate loan management.
- Maintain working knowledge of underwriting guidelines, overlays, and investor programs, including FHA, VA, USDA, Hometown Heroes, and Non-QM.
- Coordinated with Loan Setup, Closing, Funding, and Post-Closing departments to facilitate seamless loan progression from processing to completion.
- Conducted pre-underwrite audits before submission, verifying compliance with TRID requirements.
Division Processing Manager
PRIMARY RESIDENTIAL MORTGAGE
Salt Lake City, UT
03.2022 - 12.2022
- Managed an average monthly pipeline of 30–40+ loans, including loan setup, disclosures, and pre-underwrite review.
- Trained and mentored corporate processors, collaborating with underwriting, processing, and closing team leads to enhance team effectiveness.
- Coordinated loan closings, balanced CDs with title, and resolved post-closing audit issues to ensure smooth transaction processes.
- Assisted loan originators in structuring loans by applying underwriting guidelines, overlays, and investor program requirements to ensure compliance.
Division Processing Manager
SUPREME LENDING
Dallas, TX
10.2021 - 03.2022
- Managed a 30–40+ loan monthly pipeline, including setup, disclosures, pre-underwrite review, closing coordination, CD balancing, and post-closing audit resolution.
- Trained and mentored processors, enhancing collaboration with underwriting, processing, and closing teams.
- Supported loan originators in structuring files, ensuring compliance with FHA, VA, USDA, and Non-QM guidelines and overlays.
Regional Senior Processor / Loan Officer Assistant
PRIMARY RESIDENTIAL MORTGAGE
Salt Lake City, UT
02.2020 - 10.2021
- Processed loans as a multi-branch regional processor for Tampa and Palm Beach, averaging 30–40+ loans per month.
- Coordinated file setup, third-party orders, disclosures, and investor guideline requirements to ensure compliance and streamline processing.
- Collaborated with Title and Closing teams on CD balancing, funding, and post-close compliance audits to resolve issues and enhance accuracy.
- Process mortgage applications efficiently and accurately for timely approvals.
Business Office Manager
SURGCENTER CLEARWATER LLC
Dunedin, FL
01.2019 - 02.2020
- Coordinated and supervised business office functions to ensure efficient operations in scheduling, reception, billing, insurance contracts, and HIPAA compliance.
- Managed QuickBooks accounting for accounts receivable, accounts payable, and purchase orders, ensuring accuracy in the monthly revenue cycle.
- Prepared daily and weekly financial reporting and cash-flow forecasting for investing partners.
- Oversaw payroll, employee records, and benefits while handling hiring, training, supervision, and annual evaluations to maintain a well-managed workforce.
Business Office Coordinator / Scheduler
GAMMA SURGERY CENTER
Pittsburgh, PA
10.2016 - 12.2018
- Interviewed, hired, trained, and evaluated Business Office employees to strengthen team performance and service delivery.
- Managed Business Office staff, revenue cycle, payroll, and benefits; implemented electronic charting and trained clinical staff to enhance operational efficiency.
- Led staff huddles and cross-training initiatives to ensure continuity and effective implementation of corporate and managed-care updates.
Business Office Manager
PEDIATRIC THERAPY SPECIALISTS, LLC
Pittsburgh, PA
03.2014 - 10.2016
- Coordinated payroll, hiring, and training, overseeing therapist credentialing for 20-therapist practice, ensuring compliance with insurance verification and in-house commercial claims billing.
- Managed daily operations of business office and improved workflow.
- Managed billing activities to ensure timely submission of claims. and maintained accurate financial records.
- Supervised administrative staff and delegated tasks effectively.
- Ensured patient and employee chart retention and facilitated continuing education for therapists to support professional development.
Senior Mortgage Processor
NATIONS LENDING CORPORATION
Independence, OH
01.2013 - 01.2014
- Processed loans from submission to post-closing audits, ensuring timely and accurate loan packaging for optimal client satisfaction.
- Managed confidential financial documentation in high-volume pipeline, demonstrating effective multitasking and prioritization skills to meet deadlines.
- Promoted to Senior Processor in June 2013, acknowledging expertise and significant contributions to team success.
Senior Mortgage Processor
ALLEGIANCE HOME LENDING
Pittsburgh, PA
01.2009 - 01.2013
- Packaged and processed loans for team of five loan officers from submission to post-closing audits, ensuring compliance and accuracy throughout the process.
- Completed more than 500 loan closings in 2012.
- Facilitated communication among clients, title companies, closing agents, insurance agents, attorneys, investors, and Veterans Administration to streamline loan processing.
Operations Manager / Owner / Broker
P.V. Home Lending, LLC
04.2003 - 10.2005
Consultant
Premiere Financial Group
02.1999 - 03.2003
Independent Private Mortgage Consultant
09.1996 - 01.1999
Senior Escrow Processor / HUD Supervisor
RYAN FINANCIAL SERVICES / NVR MORTGAGE (RYAN HOMES)
Pittsburgh, PA
01.1986 - 12.1996
- Trained and supervised team of 15, overseeing HUD subsidy loans and coordinating annual government reporting to meet regulatory requirements.
- Managed portfolio of 10,000–15,000 loans, conducting and overseeing manual escrow analyses and reconciliations to ensure compliance and accuracy.
- Delivered exceptional customer service by addressing inquiries and efficiently resolving issues, enhancing client satisfaction.
Education
Business/Secretarial -
Bradford Business School
Pittsburgh, PA01-1987
High School Diploma -
Immaculate Conception High School
Washington, PA01-1984
Academic / Accounting Core
Washington & Jefferson College
Skills
- Mortgage Loan Processing
- Pre-Underwriting & File Audits
- FHA / VA / USDA / Non-QM/various DPA Programs and Broker Platforms
- Investor Guidelines & Overlays
- TRID Compliance
- Loan Setup & Disclosures
- Closing & CD Balancing
- Post-Closing Audits
- Multi-Branch Operations
- Processor Training & Mentoring
- Revenue Cycle & Financial Operations
- Customer Service
- Confidential Documentation
- Problem Solving
- Microsoft Word, Excel, PowerPoint, Google Docs, QuickBooks, Ellie Mae Encompass, Calyx Point, DataTrac, Arive, Advantix, Vision, Surgical Notes, ScanCharts, SilkRoad, HireRight, Navinet, Zirmed Experienced with confidential documentation, compliance coordination, hiring/payroll, multi-branch operations, and high-volume workflow management
Timeline
Regional Senior Processor
KIND LENDING, LLC
09.2023 - Current
Regional Mortgage Processor
UMORTGAGE
12.2022 - 09.2023
Division Processing Manager
PRIMARY RESIDENTIAL MORTGAGE
03.2022 - 12.2022
Division Processing Manager
SUPREME LENDING
10.2021 - 03.2022
Regional Senior Processor / Loan Officer Assistant
PRIMARY RESIDENTIAL MORTGAGE
02.2020 - 10.2021
Business Office Manager
SURGCENTER CLEARWATER LLC
01.2019 - 02.2020
Business Office Coordinator / Scheduler
GAMMA SURGERY CENTER
10.2016 - 12.2018
Business Office Manager
PEDIATRIC THERAPY SPECIALISTS, LLC
03.2014 - 10.2016
Senior Mortgage Processor
NATIONS LENDING CORPORATION
01.2013 - 01.2014
Senior Mortgage Processor
ALLEGIANCE HOME LENDING
01.2009 - 01.2013
Operations Manager / Owner / Broker
P.V. Home Lending, LLC
04.2003 - 10.2005
Consultant
Premiere Financial Group
02.1999 - 03.2003
Independent Private Mortgage Consultant
09.1996 - 01.1999
Senior Escrow Processor / HUD Supervisor
RYAN FINANCIAL SERVICES / NVR MORTGAGE (RYAN HOMES)
01.1986 - 12.1996
Business/Secretarial -
Bradford Business School
High School Diploma -
Immaculate Conception High School
Academic / Accounting Core
Washington & Jefferson College