With over a decade of experience in the home loan industry, Kelly Centers has honed her expertise in every aspect of the loan process. Her comprehensive knowledge and dedication make her an invaluable resource.
Hi, I’m
Kelly Centers
San Jose,CA
Summary
Overview
12
years of professional experience
6
License And Certifications
Certification
- NMLS License #1406441
- Certificate for first time home buyer programs including CalHFA, GSFA, Chenoa Fund
- Educated in Bank Secrecy Act/Anti Money Laundering Reporting
Skills
- Forward loan experience including Conventional, FHA, VA, Jumbo, Non-QM
- Reverse loan experience including HECM, Jumbo Products, Reverse for Purchase
- Proficient in mortgage software including Encompass, Point LOS, Quantum Reverse, Reverse Vision, Blitz, Salesforce
- Used MS Office 365 to develop pipeline tracking tools and processing documentation
- Financial assessment and credit review
- Underwriting guidelines knowledge
- Pipeline management
- Excellent and clear communication
- Strong attention to detail
- Dedicated work ethic
- Team collaboration strengths
- Advanced organizational skills
- Loan closing from start to funding
- Over 98% Early or on-time purchase closing
- Average 3-hour or less return communication turn times
References
References
"Kelly has unwavering dedication and exceptional work ethic. Kelly embodies the spirit of excellence, always making herself available and responding promptly, no matter the time or circumstance. Her commitment to going above and beyond is evident in everything she does. Whether it's thinking creatively to find solutions or tackling the most challenging situations head-on, Kelly never shies away from the "hard". Instead, she embraces it with determination, rolling up her sleeves and getting the job done. Kelly is not just a go-getter; she's a true "get-it-done" powerhouse. Her relentless drive to ensure success for everyone around her is nothing short of inspiring. Kelly, you are a rockstar." Eric Ellsworth, Executive Vice President of Sales, HighTechLending, Inc.
Work History
HighTechLending, Inc.
Sr Loan Processor
10.2018 - Current
Job overview
- Managed a high-volume pipeline of an average of 30+ loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Streamlined loan processing by implementing efficient workflow systems and task prioritization.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Provided quick turnaround times to maintain fast-paced schedule.
- Developed a comprehensive understanding of various lender guidelines which expedited loan approvals.
- Guided Loan Officers using industry knowledge to provide expert guidance on loan products best suited for their borrower needs, enhancing customer satisfaction levels.
- Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process with Loan Officers, Escrow Title Companies, Real Estate Agents, Insurance Companies, Appraisal Management Companies, Homeowners Associations, and Borrowers.
Synergy One Lending, Inc.
Mortgage Loan Officer
04.2018 - 10.2018
Job overview
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Collaborated with Underwriting, Processing, Real Estate Agents, and Escrow Title to resolve issues and expedite loan approvals.
Platinum Home Mortgage
Loan Processor Manager
05.2017 - 04.2018
Job overview
- Trained processors and reviewed loan files for completeness. Identified missing documentation and generated condition lists for applicants. Worked with customers to answer questions, process transactions, and resolve issues resulting in increased productivity across the team.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
American Pacific Mortgage
Loan Partner II
03.2014 - 04.2017
Job overview
- Improved loan processing efficiency by streamlining documentation and communication procedures.
- Provided ongoing support to borrowers during post-closing activities, ensuring their continued satisfaction with our services.
- Proactively identified potential bottlenecks in the loan approval process by staying informed of market conditions and internal policy updates.
- Developed strong relationships with title companies, insurance agents, and other third-party vendors to expedite loan closings.
Cedar Mortgage
Loan Officer Assistant
11.2012 - 03.2014
Job overview
- Coordinated with loan officers to optimize the pre-approval process, resulting in a smoother overall experience for clients.
- Answered inquiries and provided superior customer service to clients.
- Communicated with customers daily to request information and complete paperwork.
- Reduced processing time by maintaining an organized system for tracking outstanding documents and followups.
Education
De Anza CollegeCupertino, CA
from Business
08.2012 - 06.2013
University Overview
San Jose State UniversitySan Jose, CA
from Early Childhood Development
08.1992 - 06.1994
University Overview
Availability
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Timeline
Sr Loan Processor
HighTechLending, Inc.
10.2018 - Current
Mortgage Loan Officer
Synergy One Lending, Inc.
04.2018 - 10.2018
Loan Processor Manager
Platinum Home Mortgage
05.2017 - 04.2018
Loan Partner II
American Pacific Mortgage
03.2014 - 04.2017
Loan Officer Assistant
Cedar Mortgage
11.2012 - 03.2014
De Anza College
from Business
08.2012 - 06.2013
San Jose State University
from Early Childhood Development
08.1992 - 06.1994