Kelly Fisher
Senior Mortgage Loan Processor
Mt. Clemens,MI
Summary
Highly detail-oriented and organized loan processor with 38 years of experience in a fast-paced environment. Proficient in assisting qualified applicants with obtaining loans in a timely manner. Extremely organized and capable of maintaining complex loan records. Have a strong working knowledge of VA Portal to order certificates of eligibility and the order of VA appraisals. Proven track record of addressing customer needs while presenting and exploring all of their financial options. Great team player and have ability to maintain quality of work even during times of high volume. The ability to cultivate trustworthy relationships with all parties and abide by all regulations and laws. Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature. Knowledgeable Senior Loan Processor offering expertise in legal statutes and established lending guidelines. Excellent communication and negotiation skills. Offering 38-year history of successful loan and mortgage processing. Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills. Well-qualified administrative team member bringing demonstrated knowledge and abilities in loan processing. Effective at organizing paperwork, resolving discrepancies and working with third-party vendors to clear issues and completing closings. Proficient in all standards and regulations. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Hardworking and passionate job seeker with strong organizational skills eager to secure Senior Mortgage Loan Processor position. Ready to help team achieve company goals.Offering 38-year history of successful loan and mortgage processing.
Overview
39
39
years of professional experience
Work History
Senior Mortgage Loan Processor
BMO Harris Bank Formerly Bank Of The West
2021.12 - Current
- Perform a thorough review and analysis of borrower's credit, income and assets, appraisals, title and insurance information as required by loan program before submitting the file to underwriting
- Provide support to loan officer and underwriting teams by ensuring the timely, judicious and accurate processing of mortgages
- Document all communication related to the loan application in the LOS system's conversation log
- When requested, directly communicate with customer in writing and by telephone to obtain missing documentation required for the loan
- Expertise in conforming and non-confirming loans, Fannie Mae &Freddie Mac Guidelines, FHA, VA, USDA Rural development loans
- Ensure compliance with company policies, underwriting guidelines and lending program requirements
- Ensure all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings
- Complete required loan submission, re-submission, and closing checklists
- Manage a pipeline of about 60 loans effectively with 30+ loan closings per month
- Perform other duties as needed or assigned by management.
- Enhanced loan processing efficiency by streamlining documentation and verification procedures.
- Reduced turnaround time for mortgage approvals through effective communication with underwriters and loan officers.
- Maintained a high level of accuracy in data entry, ensuring all loan applications were processed without errors.
- Collaborated with team members to meet monthly targets, contributing to the overall success of the department.
- Exceeded customer satisfaction ratings by providing timely updates on loan statuses and addressing concerns promptly.
- Assisted in training new team members, sharing best practices for efficient loan processing and customer service.
- Improved interdepartmental communication by establishing clear protocols for sharing information among team members.
- Managed a large pipeline of loans, prioritizing tasks to ensure deadlines were met consistently.
- Ensured compliance with industry regulations by staying up-to-date on changes in policies and guidelines related to mortgage lending.
- Developed strong relationships with clients, earning repeat business through exceptional service and support during the loan process.
- Increased productivity by implementing time-saving strategies such as standardized checklists and document templates.
- Played an instrumental role in reducing errors through thorough review processes and attention to detail in reviewing applicant information.
- Contributed to the growth of the department by providing valuable input on ways to improve processes and client relationships.
- Supported company initiatives aimed at increasing diversity within our client base, working closely with underrepresented communities in securing home financing options.
- Mentored junior colleagues, offering guidance on best practices for managing workloads and meeting performance metrics.
- Adapted quickly to changing market conditions, effectively adjusting workflow priorities based on fluctuating application volumes or regulatory shifts.
- Delivered exceptional results under tight deadlines while maintaining a high standard of quality control throughout each stage of the loan process.
- Promoted teamwork within the department by fostering an inclusive environment and encouraging open communication among colleagues.
- Stayed informed of the latest industry trends, sharing insights with team members to inform strategic planning and operational improvements.
- Provided comprehensive support to loan officers, ensuring they had all necessary information to make informed decisions on mortgage applications.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Set up and completed loan submission packages.
- Processed mortgage loan applications accurately and successfully for over 37 years.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Communicated with originator and applicant concerning progress of loan file.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Prepared file for final clear-to-close by branch management.
- Educated customers on loan services and regulations to confirm compliance.
- Maintained accurate records of loan processing activities and documents in CRM system.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Reviewed and validated details of loan applications and closing documentation.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
Senior Mortgage Loan Processor
Professional Mortgage Processing, LLC
1984.09 - 2021.12
- Closed office and retired)
- Handled any conditions sent from underwriting departments
- Reviewed financial statements and contacted institutions and customers to clarify details
- Prepared file for final clear-to-close by branch management
- Coordinated closing process with attorneys, title companies, and government clerks
- Received on-going, comprehensive training on home loan products and mortgage process
- Set up and completed loan submission packages
- Communicated with originator and applicant concerning progress of loan file
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process
- Upheld complete confidentiality of all submitted information according to release guidelines
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues
- Processed mortgage loan applications accurately and successfully for over 38 years
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant
- Maintained accurate records of loan processing activities and documents in CRM system
- Analyzed borrower credit reports and income statements to verify accuracy
- Educated customers on loan services and regulations to confirm compliance
- Affirmed loan document accuracy to protect lenders from potential fraud
- Calculated, reviewed and corrected errors on interest, principal and closing costs
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation
- Reviewed and validated details of loan applications and closing documentation
- 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
- Corroborated on-time payments and meeting of loan terms by assessing customer accounts
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered
- Verified credit histories, personal references and employment backgrounds for each applicant
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants
- Set up, stored and updated customer files, department records and regulatory paperwork
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Enhanced loan processing efficiency by streamlining documentation and verification procedures.
- Reduced turnaround time for mortgage approvals through effective communication with underwriters and loan officers.
- Maintained a high level of accuracy in data entry, ensuring all loan applications were processed without errors.
- Collaborated with team members to meet monthly targets, contributing to the overall success of the department.
- Exceeded customer satisfaction ratings by providing timely updates on loan statuses and addressing concerns promptly.
- Assisted in training new team members, sharing best practices for efficient loan processing and customer service.
- Improved interdepartmental communication by establishing clear protocols for sharing information among team members.
- Managed a large pipeline of loans, prioritizing tasks to ensure deadlines were met consistently.
- Ensured compliance with industry regulations by staying up-to-date on changes in policies and guidelines related to mortgage lending.
- Developed strong relationships with clients, earning repeat business through exceptional service and support during the loan process.
- Increased productivity by implementing time-saving strategies such as standardized checklists and document templates.
- Played an instrumental role in reducing errors through thorough review processes and attention to detail in reviewing applicant information.
- Contributed to the growth of the department by providing valuable input on ways to improve processes and client relationships.
- Supported company initiatives aimed at increasing diversity within our client base, working closely with underrepresented communities in securing home financing options.
- Mentored junior colleagues, offering guidance on best practices for managing workloads and meeting performance metrics.
- Adapted quickly to changing market conditions, effectively adjusting workflow priorities based on fluctuating application volumes or regulatory shifts.
- Delivered exceptional results under tight deadlines while maintaining a high standard of quality control throughout each stage of the loan process.
- Promoted teamwork within the department by fostering an inclusive environment and encouraging open communication among colleagues.
- Stayed informed of the latest industry trends, sharing insights with team members to inform strategic planning and operational improvements.
- Provided comprehensive support to loan officers, ensuring they had all necessary information to make informed decisions on mortgage applications.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Set up and completed loan submission packages.
- Processed mortgage loan applications accurately and successfully for over 37 years.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Communicated with originator and applicant concerning progress of loan file.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Prepared file for final clear-to-close by branch management.
- Educated customers on loan services and regulations to confirm compliance.
- Maintained accurate records of loan processing activities and documents in CRM system.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Reviewed and validated details of loan applications and closing documentation.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
Education
High School Diploma -
Brandon High School
06.1984
Skills
- MS Office suite and proprietary mortgage processing software.
- Working knowledge of FHA, FHLMC, FNMA and HUD servicing guidelines
- In-depth knowledge of real estate industry, loan underwriting and processing procedures
- MS Word, Excel, Power pivot, Outlook, Power Point and Publisher, MS Teams, FHA Connection, different loan software (Calyx, Lending QB and Encompass) Proficient in Customer Service, Citrix, Lotus, Avaya, Aim, PKT, SPD and Mortgage software Programs (MSP)
- Government Standards
- Processing Loan Applications
- Industry Research
- Strategic Financial Planning
- Application Preparation
- Financial Document Review
- Federal Statutes
- Gathering Appraisals
- Information Verification
- Loan Paperwork
Timeline
Senior Mortgage Loan Processor
BMO Harris Bank Formerly Bank Of The West
2021.12 - Current
Senior Mortgage Loan Processor
Professional Mortgage Processing, LLC
1984.09 - 2021.12
High School Diploma -
Brandon High School
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