Kelley Richen
Portland
Summary
Dedicated and talented 20 year + mortgage professional and manager with demonstrated strengths in 5 star client service, time management, organization and team motivation. Great at troubleshooting problems and building successful solutions. Excellent verbal and written communicator with strong background cultivating positive relationships and exceeding goals. Meticulous and analytical processionally trained in diverse loan products and risk levels. Encompass and Loansoft LOS platform expert.
Overview
30
30
years of professional experience
Work History
New Construction Loan Processor
Cornerstone Lending Group
San Antonio
10.2024 - Current
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Informed customers of loan application requirements and deadlines.
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Evaluated and approved loan applications based on established criteria.
- Reviewed initial client documentation to structure and submit loan package.
- Structured loan packages by properly analyzing credit reports, income and asset documents.
Loan Processor III with Underwriting Authority
Fairway Independent Mortgage
Portland
10.2018 - 03.2024
- Underwrite both purchase and refinance loan transactions taking them from contract to close.
- Access and decision client and 3rd party documentation including credit reports, personal and corporate tax returns and various asset statements.
- Work collaboratively with loan officers and assistants to ensure accurate assessment of loan program structure and documentation requirements.
- Manage a running loan pipeline of 50 + active loans.
- Ensure current industry compliance, guidelines and regulation requirements are followed.
- Conducted real-time assessment of customer readiness and resource availability to successfully move forward with home loans.
Loan Processor III
Guild Mortgage Company
Portland
08.2012 - 10.2018
- Review loan files for completeness, identify missing documentation and generate condition lists for applicants.
- Conducted thorough analysis of applicant's financial information and credit history to determine eligibility for loans.
- Work with customers in person and via telephone to answer loan questions, gather sensitive documentation and resolve issues.
- Collaborate the loan aspects within various departments to achieve timely, accurate and fair decisions.
- Verify documentation provided by clients to support loan requests.
- Protected institution by verifying approvals against established lending guidelines.
Mortgage Sales Associate
Wells Fargo Home Mortgage
Portland
05.2002 - 09.2011
- Keep detailed records of sales leads, closed loans, referral sources, and client feedback for future reference.
- Maintain up-to-date knowledge of current lending guidelines, market trends, and interest rates.
- Manage high volume of incoming phone calls related to mortgage inquiries or requests for assistance.
- Respond to customer inquiries regarding status of their mortgage application process.
- Monitor pending loans in pipeline regularly to identify any potential issues or delays in processing times.
- Coordinate with underwriters, processors, and title companies to ensure timely closing of loans.
Assistant Branch Manager
Wells Fargo
Portland
03.1995 - 03.2002
- Assisted staff with resolving complex customer issues and implementing targeted solutions.
- Evaluated overall effectiveness of existing customer service policies and procedures and recommended changes as necessary.
- Remained calm and professional in stressful circumstances and effectively diffused tense situations.
- Evaluated employee job performance and motivated staff to improve productivity. Managing a staff of 12+
- Upheld quality control policies and procedures to increase customer satisfaction.
- Recruited and trained new employees to meet job requirements.
Education
Business Management -
University of Phoenix
San Diego, CASkills
- Impeccable attention to detail
- Effective time management
- Speed and Adaptability
- Interpersonal Communication
- Application Process Management
- Mortgage Loan Software Expert
- Oral and written comprehension
- Adaptability and flexibility
References
References upon request
Timeline
New Construction Loan Processor
Cornerstone Lending Group
10.2024 - Current
Loan Processor III with Underwriting Authority
Fairway Independent Mortgage
10.2018 - 03.2024
Loan Processor III
Guild Mortgage Company
08.2012 - 10.2018
Mortgage Sales Associate
Wells Fargo Home Mortgage
05.2002 - 09.2011
Assistant Branch Manager
Wells Fargo
03.1995 - 03.2002
Business Management -
University of Phoenix