Hi, I’m
Kelly Fisher
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.
Overview
39
years of professional experience
Work History
BMO Harris Bank Formerly Bank Of The WestOmaha, NE
Senior Mortgage Loan Processor
12.2021 - Current
Job overview
- 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.
Professional Mortgage Processing, LLCAuburn Hills, MI
Senior Mortgage Loan Processor
09.1984 - 12.2021
Job overview
- 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.
Education
Brandon High School, Ortonville, MI
High School Diploma
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, LendingQB and Encompass) Proficient in Customer Service, Citrix, Lotus, Avaya, Aim, PKT, SPD and Mortgage software Programs (MSP)
- Analytical skills
- Avaya
- Charts
- Citrix
- Closing
- Communication skills
- Credit
- Client
- Customer Service
- Documentation
- Faxes
- Fax
- Frame
- Hiring
- Insurance
- Leadership
- Letters
- Lotus
- Mac
- Excel
- MS Office suite
- Outlook
- Power Point
- Publisher
- MS Word
- Policies
- Problem solving skills
- Real estate
- Reporting
- Tax
- Telephone
- Phone
- Troubleshoot
- Type
- Workflow
Timeline
Senior Mortgage Loan Processor
BMO Harris Bank Formerly Bank Of The West
12.2021 - Current
Senior Mortgage Loan Processor
Professional Mortgage Processing, LLC
09.1984 - 12.2021
Brandon High School
High School Diploma
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