Keith Nardecchia

Mortgage Loan Office & Loan Processor

Equitable Home Mortgage

Scottsdale, AZ

03.2013 - 12.2017

Analyzed loan applications and supporting documents to determine eligibility for approval.
Reviewed credit reports and financial information to evaluate creditworthiness of applicants.
Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
Communicated with customers via telephone or email to obtain additional documentation required for loan processing.
Explained the various types of loans available and advised on the best product suited for customer's needs.
Submitted loan applications to underwriting department for review and approval process.
Maintained accurate records in computer database system during loan origination process.
Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.
Reviewed appraisals to ensure accuracy of value estimates.
Prepared loan documents including promissory notes, deeds of trust, mortgage insurance policies and truth-in-lending statements.
Collaborated with underwriters to resolve any discrepancies in applicant's financial profile or documentation issues.
Monitored progress of each loan application from start to finish ensuring timely completion.
Assisted borrowers with questions regarding their loans after closing.
Updated customers regularly on status of their loans throughout the processing period.
Provided excellent customer service while responding promptly to inquiries from applicants, lenders and brokers.
Researched escalated problems related to loan processing activities.
Adhered strictly to company policies when completing tasks associated with loan processing duties.
Calculated income, assets and liabilities to meet lender requirements.
Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.
Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
Reviewed initial client documentation to structure and submit loan package.
Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
Managed conditions sent from underwriting departments.
Maintained complete confidentiality of submitted information according to release guidelines.
Created and completed loan submission packages.
Evaluated financial statements and contacted institutions and customers to clarify details.
Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
Filed completed packages quickly and efficiently.
Structured loan packages by properly analyzing credit reports, income and asset documents.
Completed closing process by collaborating with attorneys, title companies and government clerks.
Organized loan files, updated databases, prepared general correspondence and communicated with stakeholders.
Interviewed applicants to identify needs and evaluate eligibility for loans or mortgages.
Managed pipeline of loans ensuring that all deadlines are met and loans progress to closing.
Utilized loan processing software to manage and track loan progress efficiently.
Liaised between borrowers, real estate agents, and lenders to facilitate loan closings.
Advised borrowers on financial status and payment methods suitable to their financial capability.

Summary

Overview

Work History

Mortgage Loan Office & Loan Processor

Mortgage Loan Officer

Mortgage Loan Officer

Education

High School Diploma -

Skills

References

Timeline

Mortgage Loan Office & Loan Processor

Mortgage Loan Officer

Mortgage Loan Officer

High School Diploma -

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