Kelly Butorovich
Woodbridge,CA
Summary
I have been in the Mortgage Industry for 20+ years. I started as a receptionist and moved up to set-up then all of a sudden a loan processor. I enjoyed and have worked as a loan processor most of my whole life. I have knowledge of loan processing from beginning to end, loan modification, foreclosure proceedings.
Overview
12
12
years of professional experience
Work History
Billing/Buyer's Assistant
Hedy Holmes Staffing
11.2023 - Current
- Purchase Order Tracking, Updating system with new items, Follow up on shipping orders, Updating system with cancellations, Maintaining multi-Buyers and managers
- Verify Purchase Orders and bill customer per contract
- Maintain and communication with all vendor's
- Follow up on outstanding invoices
- Maintain a relationships with all Superintendents and Installers
- Maintained complete documentation and records of all purchasing activities.
Bartender
JSAD, Inc
09.2023 - Current
- Customer service and resolving customer complaints, Opening and closing facility, cleaning and maintaining inventory, Cash handling, Looking over inventory for out dated items
Office Manager's Assistant
Comprehensive Construction
12.2020 - 09.2023
- Assist in maintenance, mailing, shipping, supplies management, equipment, bills, and errands, Order, restock and maintain supplies and inventory for breakrooms, staff and management offices, and storeroom. Maintain organized and up-to-date filing systems while ensuring compliance with company policies and procedures, Handle all sensitive and confidential information with discretion, Answer calls and forward to appropriate staff. Manage relationship with vendors, service providers, construction staff and leads, and customers, Manage contracts and price negotiations to ensure up-to-date information available for the management staff
Marketing/Sales/Brand Lead
The Lounge at Lodi Crush
01.2022 - 01.2023
- Provided a welcoming experience to the customers by greeting, directing and answering questions regarding our products, history, events, and facility, Promoted and maintained club memberships, fostered genuine relationships with members, and guests, Stayed up to date on current promotions, sales initiatives, and specials to share with guests, Created marketing plans and promotional materials such as brochures and direct mailing to increase brand and company awareness to drive sales, Handled routine purchasing transactions including operating the cash register and accounting of daily sales, Assisted with inventory, restocking, and ordering merchandise and food by using the updated vendor list, Maintained social media for optimal exposure for daily posts, events and community collaborations, Answered multi-line phone, took messages, and forwarded calls, responded to emails and walk-ins, Resolved customer service issues and complaints, work with management to fix issues related to customer service complaints, troubleshot issues relating to software or point of sale system, Delivered exceptional customer service to drive sales, repeat visits, and club sign-ups, Assisted management with hiring and training new staff through on-the-job training, Updated the customer and financial databases and maintained them on daily basis, Assisted with website management, development, blogging and social media campaigns and marketing initiatives
Senior Loan Processor
Evergreen Home Loans
01.2018 - 01.2021
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Streamlined loan processing by implementing efficient workflow systems and task prioritization.
- Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
- Assisted in training junior loan processors, resulting in increased productivity across the team.
- Provided quick turnaround times to maintain fast-past schedule.
- Developed a comprehensive understanding of various lender guidelines which helped expedite loan approvals.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Implemented quality control measures that resulted in reduced discrepancies within client files.
- Leveraged industry knowledge to provide expert guidance on loan products best suited for borrower needs, enhancing customer satisfaction levels. Fannie MAE, Freddie MAC, FHA and VA and USDA.
- Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
- Conducted thorough borrower credit analysis to accurately assess financial stability and minimize default risks.
- Set up and completed loan submission packages.
- Utilized loan origination software to process and track loan applications.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Reviewed and validated details of loan applications and closing documentation.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
Senior Loan Processor
Finance of America
01.2013 - 01.2018
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
- Provided quick turnaround times to maintain fast-past schedule.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Implemented quality control measures that resulted in reduced discrepancies within client files.
- Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
- Set up and completed loan submission packages.
- Utilized loan origination software to process and track loan applications.
- Advised loan officers to comply with loan guidelines and apply best practices.
- Staying current with all product guidelines changes.
- Keeping up to date communications with status on the loan file with all parties.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Set up, stored and updated customer files, department records and regulatory paperwork.
Education
GED -
Liberty High School
Lodi05.1996
Skills
- FHA/VA/CONV loan processing
- Excel/word
- Multi-tasking strength
- Relationship Building
- Database Management
- Team PLayer
- Encompass/DU/LP knowledge
- Data Processing
- Verbal Communication
- Written Communication
- Verbal and written communication
- Customer Service
- Multi-task
- Self-Driven
- Organization
- Vendor Relations
- Resourcefulness
- Attention to Detail
References
- Juliet Fyffe, 209-612-3380
- Tiffany Christy, 209-276-5652
Timeline
Billing/Buyer's Assistant
Hedy Holmes Staffing
11.2023 - Current
Bartender
JSAD, Inc
09.2023 - Current
Marketing/Sales/Brand Lead
The Lounge at Lodi Crush
01.2022 - 01.2023
Office Manager's Assistant
Comprehensive Construction
12.2020 - 09.2023
Senior Loan Processor
Evergreen Home Loans
01.2018 - 01.2021
Senior Loan Processor
Finance of America
01.2013 - 01.2018
GED -
Liberty High School
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