Summary
Overview
Work History
Education
Skills
Proficient in Encompass, Microsoft Word, Microsoft Outlook and the Internet
Timeline
Generic

Keli Davern

Carlsbad,CA

Summary

Dynamic and results-oriented professional with extensive experience in mortgage lending, notably with Kinecta Federal Credit Union. Demonstrated expertise in rapid problem solving and meticulous attention to detail, achieving commendable audit ratings and exceeding monthly funding goals. A proven team player with strong customer-focus, adept at maintaining high-volume work with complete confidentiality.

Overview

28
28
years of professional experience

Work History

Sales Associate, Mortgage Lending

Kinecta Federal Credit Union
01.2021 - Current


  • Acting point of contact among loan officer, contractors, clients and other external partners
  • Analyze clients income, credit, asset, property appraisals documentation to prepare and submit documents for underwriting
  • Managed all Builders communications, requested documentation for review of Builder and Project approval
  • Maintained fast-paced schedule and complete confidentiality
  • Achieved funding goals; total Units 56 and $83,000,000.00 completed volume though exceptional service, addressing concerns promptly

Loan Assistant, Mortgage Lending

Citibank
07.2020 - 12.2020


  • Reviewed loan applications to verify completeness and accuracy according to applicable policies
  • Reviewed and verified borrower's income, assets, credit reports, property appraisals to prepare documents for underwriting
  • Maintained complete confidentiality of all submitted information according to release guidelines
  • Collected and reviewed documentation from clients in accordance with the underwriter approval to complete file for closings


Loan Officer Assistant

Bank Of The West
07.2019 - 07.2020


  • Acting point of contact among loan officer, clients and other external partners
  • Assist with pricing and locking loans
  • Analyze clients income, asset, credit reports and property information to conform to all investor and portfolio guideline
  • Collect and review all borrower documentation to satisfy all underwriting required conditions


Loan Officer Assistant

TIAABank
06.2015 - 03.2019


  • Analyze clients income and asset documentation to conform to all investor and portfolio guidelines
  • Run DU/LP on conventional loans
  • Communicate with clients with gathering of loan conditions and review accuracy of each documents
  • Work with operations team through processing and closing loan to ensure timely closing
  • Acting point of contact with all external partners
  • Increased loan application efficiency by streamlining documentation and verification processes.

Loan Analyst

Loan Depot/Mortgage Master Inc.
09.2012 - 06.2015
  • Obtained client's financial portfolios, communicate with loan officer on client's optimal financial plan
  • Prepared and calculated income and assets, Run DU/LP before submission to underwriting
  • Facilitated all relationships between title companies, escrow agents, real estate, buyers and appraiser to meet closing deadlines
  • Reviewed all borrower conditions for completion and accuracy
  • Upheld complete confidentiality of all submitted information according to release guidelines

Senior Loan Processor

On Q Financial Inc.
09.2010 - 09.2012
  • Obtain client's financial portfolios, communicate with loan officer on client's optimal financial plan
  • Prepare and calculate income and assets before submission to underwriting
  • Facilitate all relationships with external partners. Review and ensure all documents obtained for accuracy
  • Reviewed all borrower conditions for completion and accuracy
  • Generate weekly Regulation B Reports
  • Ability to work in high volume, fast paced environment, while maintaining control and complete customer focus

Senior Loan Processor

Bank Of America Corp
02.2010 - 09.2010
  • Obtain client's financial portfolios, communicate with loan officer on client's optimal financial plan
  • Prepare and calculate income and assets, run DU/LP before submission to underwriting
  • Facilitate all relationships with external partners
  • Generated weekly Reg B reports
  • Ensure all compliance and Bank of America policies are met to achieve commendable audit ratings
  • Ability to work in high volume, fast paced environment, while maintaining control and complete customer focus

Senior Loan Processor

Chase Home Finance
07.1996 - 02.2010
  • Successfully maintained a pipeline of 65 + loans
  • Prepare and calculate income and assets before submission to underwriting
  • Facilitate all relationships between title companies, escrow agents, real estate agents, buyers and appraiser to meet closing deadlines.
  • Achieved quality audit measures through pre closing audit of loan files
  • Generated all compliance and Reg B Reports
  • Ability to work in high volume, fast paced environment, while maintaining control and complete customer focus

Education

High School Diploma -

San Dieguito High School Academy
Encinitas, CA
1978

Skills

  • Meticulous attention to detail
  • Rapid problem solving
  • Strong interpersonal skills
  • Forward Thinking
  • Proven Team Player
  • Strong Customer-Focus
  • Comprehends importance of meeting all deadlines

Proficient in Encompass, Microsoft Word, Microsoft Outlook and the Internet

Encompass application/processing

Timeline

Sales Associate, Mortgage Lending

Kinecta Federal Credit Union
01.2021 - Current

Loan Assistant, Mortgage Lending

Citibank
07.2020 - 12.2020

Loan Officer Assistant

Bank Of The West
07.2019 - 07.2020

Loan Officer Assistant

TIAABank
06.2015 - 03.2019

Loan Analyst

Loan Depot/Mortgage Master Inc.
09.2012 - 06.2015

Senior Loan Processor

On Q Financial Inc.
09.2010 - 09.2012

Senior Loan Processor

Bank Of America Corp
02.2010 - 09.2010

Senior Loan Processor

Chase Home Finance
07.1996 - 02.2010

High School Diploma -

San Dieguito High School Academy

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Keli Davern