KATE LADEBU
PETROLIA,PA
Summary
Seasoned Senior Mortgage Processor with exceptional leadership skills, high productivity levels, and a reputation for efficient task completion. Expertise in loan documentation, regulatory compliance, and management. Adept at communication, problem-solving, and time management to ensure smooth loan processing workflows and exceptional client satisfaction.
Overview
21
21
years of professional experience
Work History
Mortgage Loan Processing Specialist
Equity Lending Group Inc.
Zelienople , PA
03.2004 - 10.2024
- Reviewed loan applications and verified accuracy of borrower information.
- Generated time-sensitive loan disclosure packages meeting TRID guidelines
- Tracked and retrieved electronic signatures on all loan disclosures.
- Collected required client documentation for loan processing.
- Inspected loan documentation for mistakes and corrected discrepancies.
- Verified applicant information, such as employment, income, and credit history.
- Scanned and uploaded loan and related documents into system.
- Processed loans through required automated underwriting systems such as Freddie Mac, Fannie Mae, and GUS
- Ordered appraisals and title services on behalf of borrowers when necessary.
- Submitted completed loan packages to underwriting.
- Maintained accurate records in accordance with company policy and procedures.
- Updated existing online database regularly with new customer information and loan changes.
- Scanned and uploaded loan-related documents into the system.
- Communicated regularly with customers, brokers, lenders, attorneys, and realtors throughout the entire process from origination through closing.
- Emailed loan commitments on time to all appropriate parties.
- Discussed loan approval conditions with clients and realtors
- Obtained and verified clearance of underwriting conditions to prepare loan file for clear to close status.
- Provided support during the underwriting process by collecting additional documentation when needed.
- Monitored loan processing timelines to meet closing deadlines.
- Verified that all conditions have been met before proceeding with the closing process.
- Prepared and reviewed closing disclosure statements prior to closing.
- Examined and verified information in loan closing documents.
- Assisted borrowers with understanding their final terms prior to signing off on their loan agreement.
- Managed loan application pipeline of 30+ loans per month, from application to underwriting to closed/funded.
- Worked with third-party vendors to address and clear loan closing requirements.
- Trained mortgage brokers and loan processors on company procedures and loan processing software.
- Implemented electronic processing system
- Maintained company databases, websites, and loan software programs.
- Created loan templates within company software programs.
- Executed final loan audits to ensure state regulatory compliance
Executive Vice President, Board of Directors
Sky's The Limit Homeschool Group
Butler , PA
12.2020 - 05.2024
- Successfully held various board leadership roles within a nonprofit homeschool organization.
- Served on the Board as Community Relations Director, Event Coordinator, Education Chair, and Compliance Director
- Supported the President in overseeing the co-op departments, focusing on fine-tuning structure, setting up protocols, security checks, and streamlining tasks related to the co-op in general.
- Oversaw daily operations during class sessions.
- Maintained legalities, paperwork, taxes, ensuring the organization was compliant with state and federal nonprofit law.
- Managed community development initiatives for Sky's the Limit Co-op families.
- Planned and facilitated events to enrich co-op families.
- Managed educational team and supervised class scheduling.
Education
Associate's in Business Administration -
Butler County Community College
Butler, PASkills
- Loan processing expertise
- Residential mortgage lending regulations
- Experience with Calyx, Zenly, and Arive loan software
- Workflow Optimization
- Time Management
- Customer Service
- Digital file preparation
- Verifying data accuracy
- Financial document review
- File and Pipeline Management
- Compliance Monitoring
- Organizational abilities
- Facility Management
- Customer Relations
- Operations Oversight
- Staff Training
- Group and individual instruction
- Field Trip Coordination
- Event Organization
References
References available upon request.
Timeline
Executive Vice President, Board of Directors
Sky's The Limit Homeschool Group
12.2020 - 05.2024
Mortgage Loan Processing Specialist
Equity Lending Group Inc.
03.2004 - 10.2024
Associate's in Business Administration -
Butler County Community College
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