Kayla Crabtree
Ramsey,IL
Summary
Highly-organized, team-oriented, and dedicated Consumer Loan Originator with diverse office abilities. Excellent interpersonal skills, ability to work independently, and adapt at performing well under pressure. Resourceful professional. Approachable and collaborative team member. Proficient in Microsoft Word, Excel, and PowerPoint. Mortgage/consumer loan originator with loan-processing experience and knowledge of conventional and government loan programs. NMLS#2315016
Overview
14
14
years of professional experience
Work History
Consumer/Mortgage Loan Originator NMLS#2315016
The FNB Community Bank
Vandalia, IL
01.2022 - Current
- Responsible for default and foreclosure report.
- Responsible for quarterly reports for the entire bank.
- Keeping up with compliance.
- Approve or deny customers for various loan products. Loan products such as auto, personal, farm, construction, commercial, and real estate mortgage loans, such as USDA, 3%, 5%, and 20% down products, and construction loans.
- Tracking construction projects and visiting construction sites to ensure that spending and building are being done with accurate use of money.
- Underwrite loans by verifying income, credit reports, and customers' debt-to-income ratios. Evaluate financial statements, profit and loss statements, and cash flow analysis for customers, new projects, and loans.
- Utilize network skills when developing and expanding member relationships.
- Train new loan processors.
- Preparing applications for mortgage loan processors.
- Volunteer in the community to help local businesses and customers.
- Help the company achieve financial goals, achieving sales and loan portfolio goals yearly.
- Develop and maintain quality member relationships.
- Track and maintain loans, meet deadlines.
- Review title work/commitments.
- Review appraisals to make sure all information is correct and values are acceptable for the loan closing.
- Actively visit realtor offices to obtain sales and loan customers.
- Responsible for renewing contracts with outside mortgage companies for USDA and secondary market loans.
- Training new hires and supervising the mortgage processors.
Mortgage Loan Processor
The FNB Community Bank
Vandalia, IL
07.2020 - 01.2022
- Organization, Filing, Funding, Conforming ARM & Fixed Rate loans.
- Provide support to loan officers by ensuring timely and accurate processing of mortgages.
- Review and verify borrowers' income, as well as credit reports.
- Ensure customers have adequate homeowners' insurance policies in place.
- Order and review flood reports.
- Review and verify customers' employment history.
- Review and inform the officer of any possible issues with the property appraisal.
- Review and inform the officer of any possible issues with the title insurance information.
- Ensure compliance with company policies, underwriting guidelines and lending-program requirements.
- Set up and complete loan submission packages.
- Coordinate closings with title companies.
- Evaluating financial documents, gathering data from clients.
- Typing all early and closing disclosures.
- Review all signed disclosures and documentation to ensure they are properly executed.
Office Assistant/Office Coordinator
Fayette County Hospital
Vandalia, IL
08.2015 - 07.2020
- Organizing and ordering supplies
- Preparing PI reports.
- Prepare Health Maintenance Reports and letters.
- Answer phones.
- Process billing.
- Process and help individuals with referrals.
- Prepared a Referral Tracking Report.
- Traveled to other offices when they were short-staffed.
- Maintained the schedule for the doctors' patients.
- Acted as a liaison between the doctor and patients to ensure proper communication.
- Helped nurses with Messages, Excel, Microsoft Work.
Certified Pharmacy Technician
Walmart
Vandalia, IL
08.2010 - 08.2015
- Cleaned
- Organized prescriptions.
- Ordered and inputted prescriptions into the pharmacy software.
- Communicated between doctor offices and patients.
- Answered phone calls.
- Helped customers as a cashier.
- Helped the pharmacy by filling the prescriptions.
- Helped patients with over-the-counter medication purchases.
Education
High School Diploma -
Auburn High School
Auburn, IL05.2008
Completed 2 years: Criminal Justice/Chemistry -
Southeast Missouri State University
Cape Girardeau, MOGeneral Education -
Lincoln Land Community College
Springfield, ILSkills
- Report writing and development
- Diligent and detail-oriented
- Administrative support
- Data Management
- Computer savvy in mortgage-processing software
- Loan Processing
- Excellent planning and coordination
- Responsible
- Serve customer needs
- Workflow optimization
- Regulatory Compliance
- Licensed Mortgage Loan Originator
- Application Review
- Income Evaluation
- Credit History Review
Timeline
Consumer/Mortgage Loan Originator NMLS#2315016
The FNB Community Bank
01.2022 - Current
Mortgage Loan Processor
The FNB Community Bank
07.2020 - 01.2022
Office Assistant/Office Coordinator
Fayette County Hospital
08.2015 - 07.2020
Certified Pharmacy Technician
Walmart
08.2010 - 08.2015
High School Diploma -
Auburn High School
Completed 2 years: Criminal Justice/Chemistry -
Southeast Missouri State University
General Education -
Lincoln Land Community College
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