Kathryn Padilla
Apex Processors
Cedar Park
1
Certification
25
years of professional experience
Senior Loan Processor for mortgage lenders with 20 plus years of experience. Managed pipeline of multiple loan officers. Knowledge with DU / , LP and USDA operating systems. I pride myself in effective communication, industry knowledge and honest and trustworthy work ethic.
Work History
Contract Loan Processor
3 Months- Residential Lending / Mortgage Processing: Obtain and verification of data and supporting documentation for successful submission to underwriting.
- Facilitate loan process with loan originator, underwriters, and closing companies- improving timelines of execution and customer experiences.
- Complete Automated Underwriting System for Freddie Mac and Fannie Mae.
- Order employment and asset verification, title, property appraisal, and homeowners’ insurance.
- Collect requested documentation from the UW department and verify for accuracy prior submission.
- Finalize loan packages upon clear to close notification is received.
- Managed loan pipeline by reports and communication within teams.
Sales Support Specialist
6 Months- Perform due diligence on loan files and documentation received.
- Communicate and interact with the assigned Lender to obtain necessary documentation required for Loan Approval. Contact and communicate with the borrower to prepare documentation required for closing. Analyze supporting documentation from borrowers for loan servicing. Ensure required hazard, contents, liability, flood insurance coverage received with mortgagee information. Order third party searches, good standing certificates, property inspection reports for loan files. Communicate with Loan Doc Prep Dept and Title companies to coordinate document preparation for checklists of closing and funding loans. Prepare wire transfer forms for Loan Servicing to process. Monitor exemption items due monthly and request as needed.
Loan Closer
11 Months- Perform due diligence on loan files and documentation received. Communicate and interact with the Loan Committee to obtain necessary documentation required for Loan Approval. Contact and communicate with the borrower to prepare documentation required for closing. Analyze supporting documentation from borrowers for loan servicing. Ensure required hazard, contents, liability, flood insurance coverage received with mortgagee information. Order third party searches flood, good standing certificates, property inspection reports for loan files. Communicate with Attorneys and Title companies to coordinate document preparation for checklists of closing and funding loans. Prepare wire transfer forms for Loan Servicing to process. Transfer funds to make monthly interest payments. Monitor exemption items due monthly and request as needed.
Loan Officer Assistant
5 Months- Setup & prepare Loan files with required loan documentation prior to submission to Loan Processors. Order employment and asset verification, title commitments, property appraisal, and homeowners’ insurance. Collect requested documentation from borrowers from the needs list prepared for missing docs checklist. Manage loan pipeline by reports and communication within teams. Loan programs- Conventional, VA, FHA, USDA, and Bond loans. Complete Automated Underwriting System for Freddie Mac and Fannie Mae.
Commercial Loan Assistant
1 Year 8 Months- Setup & prepare Loan files from checklist of required loan documentation for pre screening, prior to submission to Underwriting. Once the file passes the screening, a financing terms letter is prepared to be sent to members for signature to authorize moving forward with terms. Next step is to order Loan verifications for files; (title work, flood certs, credit reports, inspection reports). Once the file is ready to schedule closings, prepare Closing Documents to be sent to title companies to sign on the day of closing. Collect on Monitoring items for current loan servicing files. Assist the Director/Assistant Vice President of the Commercial Lending Department on anything additional in a day to day schedule.
Senior Loan Processor
10 Years 2 MonthsSenior Loan Processor
2 Years 4 MonthsSenior Loan Processor
3 Years 10 MonthsSenior Loan Processor
5 YearsEducation
- CONTINUING EDUCATION: CUNA (Credit Union National Association) (21) CERTIFICATES ON FILE & AVAILABLE BY REQUEST:
- Commercial and Member Business Lending Regulations Certificate / 2024 Consumer Lending Regulations Level 1 Certificate / 2024 Servicemembers Civil Relief Act Certificate / 2024 Military Lending Act Certificate / 2024 General Operations Regulations Level 2 Certificate / 2024 .....
- CONTINUING EDUCATION: Mortgage Industry
- CE Federal Law & Regulation
- CE Core Compliance
- CE Nontraditional Mortgage
- CE Comprehensive
- CE SAFE Elective
- CE SAFE Ethics
- Notary Public Texas State: Expires 2029
- General Education
- General Education
Graduated
Skills
BOSS
RIMS
MAX / D1
Jack Henry/Silverlake
NCino
Proficient with Microsoft Suite
Encompass Origination System
Calyx Point Origination System
Sageworks
Synergy and Episys
Preform pre-underwriting audits
Strong listening and problem-solving skills
Contract finalization
Leadership and collaboration skills
Data Privacy Compliance
Detail oriented and multi-tasking skills
Works well under time constraints
Effective communication with Exceptional customer service skills
Adaptability and Creativity
Precise bookkeeping skills
Certification
Notary Public Texas State: Expires 2029
Personal Information
Title: Senior Loan Processor for mortgage lenders with 20 plus years of experience.
Texas Notary
CERTIFICATIONS & CREDENTIALS
- Texas Notary Public — State of Texas
Timeline
Contract Loan Processor
Apex Processors
07.2026 - CurrentRead More
Sales Support Specialist
First Citizens Bank
02.2026 - 08.2026Read More
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03.2025 - 02.2026Read More
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Supreme Lending Mtg. - Austin, TX
09.2024 - 02.2025Read More
Commercial Loan Assistant
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01.2023 - 09.2024Read More
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Supreme Lending Mtg. - Austin, TX
07.2012 - 09.2022Read More
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03.2010 - 07.2012Read More
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KP Contract Processing, - Austin, TX
05.2006 - 03.2010Read More
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Mortgage Factory Inc. – Austin, TX
05.2001 - 05.2006Read More
Los Lunas High School
from General Education
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University of New Mexico
from General Education
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CUNA (Credit Union National Association)
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