Katrina Bentley

Responsible for the creation, distribution, and execution of the closing disclosure, and the closing checklist. Worked closely with the client and attorneys to ensure necessary documents, and any other items provided in time for the set closing date. Resolved and escalated potential problems to the Senior Loan Officer. Ensured that the loan closing date is met based upon specific judgment, reschedules, negotiates, and extensions of contracts if documents necessary for closing are not available or complete. Ordered and reviewed necessary documentation including attorney prepared documents, and construction loan documents. Managed independent decisions concerning the validation of the documentation, and determined the process to ensure underwriting and closing transpires according to Bank and regulatory requirements. Maintained the organization of financial information online. Applied expertise and independent judgment to validate and, if necessary, modify the loan structure with the Lenders final approval. Managed the assembling for the credit file review. Coordinated with the lending team post loan closing to clear all loan exceptions. Point of contact for telephone inquiries from clients and Bank personnel regarding processed loans. Verified loan documentation for accuracy and completeness. Coordinated with lenders, attorneys, buyers, and sellers to facilitate the loan closing process.

Identified and resolved issues to maintain connectivity and minimize downtime.

Responded to user inquiries about hardware and software, explaining features and resolving questions.

Documented customer interactions and contact information into company database.

Work with end-users of software and systems to provide technical support and assistance for their software, hardware, or technical problems including connection, slow performance, inability to access data, or inefficient programs.

Maintained up-to-date knowledge of software and technical developments through reading and training.

Monitored and troubleshot IT infrastructure for operating issues.

Utilized enterprise desktop management tools to remotely assist others and deploy software.

Documented repair processes and helped streamline procedures for future technical support actions.

Consulted via telephone to understand user problems, run through testing scripts and ask probing questions to locate root causes.

Maintained composure and patience in face of difficult customer situations, applying de-escalation techniques and positive customer support. Provided technical support to customers via phone and email.

Assisted other departments in meeting their end of the month quotas.
Reviewed VA, FHA, GUS, 184, Conventional, TVLB, Goldstar, CAFA, GSFA and REI loans to verify that the loan fulfills the requirements.
Managed and responsible for over 20 files daily while clearing second review audits.
Received recognition September 2016 for correspondent top producer.
Remained top five in producing files monthly.
Analyzed loan documentation for accuracy and completeness. Identified risk deficiencies, assesed to adherence of regulatory and other compliance requirements.
Completed required data entry work to meet secondary, accounting and servicing requirements
Identified loans for underwriter and/or manager review using specified software, including Fraud GUARD, MERS, FHA Connection, Early Check and Purchase Audit Checklist
Reported loan decisions to clients, account executives and production staff. Obtained required loan documentation, and responded to questions to address issues on outstanding items required for loan approval. Reviewed conditions, and information received to ensure the loan meets investor guidelines. Reviewed and evaluated internal control systems, financial records, and accounting systems to ensure accuracy of information. Analyzed financial data and prepared reports outlining findings and recommendations. Identified discrepancies in financial documents, investigated causes, and proposed solutions. Conducted risk assessments to identify potential areas of fraud or non-compliance.

Managed all loan types such as VA, FHA,USDA,Conventional and many others to verify that the loan fulfilled the necessary requirements.
Acted as a liaison between lenders and internal departments to facilitate the purchase of all loans.
Gathered necessary information, and input it into appropriate systems, while meeting critical deadlines to ensure timely and accurate processing.
Calculated liabilities and assets in comparison to the initial application. Worked with lenders to answer questions and clear any suspense conditions added to the loan. Responsible for producing both high quality and high volume. Ensured that loans are purchased correctly. Ensured that the wire is sent to the correct bank. Verified data entered in the system. Pulled reports daily to guarantee accuracy of loans ready to fund. Conducted quality control audits of loan files to identify errors or omissions in the documentation. Performed detailed reviews of loan origination processes, policies, and procedures. Identified discrepancies between loan applications and supporting documents. Verified accuracy of borrower information such as credit scores, income sources. Investigated any discrepancies found during review process. Developed recommendations for corrective action when necessary. Provided training on updated audit requirements to staff members. Maintained accurate records of all audit-related activities including findings, conclusions, corrective actions taken. Evaluated lenders' compliance with federal regulations such as RESPA, TILA, ECOA, HMDA. Monitored lenders' adherence to investor guidelines regarding underwriting criteria. Reviewed appraisals for accuracy and completeness prior to finalizing loans. Participated in periodic meetings with senior management to discuss progress made towards meeting established goals. Assessed effectiveness of current audit processes by conducting post-audit reviews. Documented audit results in a clear and concise manner. Ensured that all data collected during the auditing process is secure and confidential. Worked closely with management to discuss external audit results and action plans. Applied professional judgment in gathering and evaluating evidence for thorough analysis. Examined financial statements to detect and report errors and irregularities. Analyzed loan documents to ensure accuracy and compliance with applicable regulations and guidelines. Reviewed mortgage loans for potential fraud indicators.