KENETRA J

Work History

Mortgage Loan Processor

Towne Mortgage

07.2021 - 11.2022

Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms
Reviewed and validated details of loan applications and closing documentation
Processed mortgage loan applications accurately and successfully for over 20 years
Set up and completed loan submission packages
Contacted customers via mail, telephone and email to relay acceptance or rejection of applications
Educated customers on loan services and regulations to confirm compliance
Upheld complete confidentiality of all submitted information according to release guidelines
Prepared file for final clear-to-close by branch management
Interviewed loan applicants to obtain personal and financial data to assist in completing applications
Set up, stored and updated customer files, department records and regulatory paperwork
Handled any conditions sent from underwriting departments

SENIOR MORTGAGE LOAN PROCESSOR,

Supreme Lending

12.2020 - 05.2021

Prepared file for final clear-to-close by branch management
Interviewed loan applicants to obtain personal and financial data to assist in completing applications
Maintained accurate records of loan processing activities and documents in CRM system
Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process
Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation
Set up and completed loan submission packages

MORTGAGE LOAN PROCESSOR,

John Adams Mortgage

08.2020 - 12.2020

Consulted with outside vendors to identify and resolve loan closing issues
Reviewed and validated details of loan applications and closing documentation
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
Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered
Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation
Set up and completed loan submission packages

LOAN PROCESSOR

Success Mortgage Partners

02.2020 - 08.2020

Requested wires, helped balance wires to closing documents and ensure accuracy for smooth funding process.
Troubleshooting escalated files or system issues
Maintained high level of productivity, hitting daily goals and striving for excellence.
Assisted all internal and external clients on wire inquires.
Monitored volume in queues, reporting, and other productivity resources.
Maintained excellent customer service levels and loan integrity at all times.
Coordinated and maintained third party relationships as needed.
Helped to ensure compliance with state laws and regulations in daily practices.
Handled any conditions sent from underwriting departments.
Collaborated with loan officers to develop strategies for managing loan application processing.

WIRESPECIALIST, United Shore Wholesale Mortgage

05.2019 - 02.2020

Provide concierge level customer service to clients and customers
Input listing data to MLS & office data base
Responsible for organizing Open House materials, .Scheduling photographers & showing data for Listings & for Buyers
Coordinating and sending documentation over to lenders and title companies
Manage schedule and calendar, including workflow planning and calendar coordination, prioritize meeting requests, .Manage correspondence for meetings, preparation of background briefings, note documentation and periodic reporting listing activities
Daily duties include heavy contract writing (purchase agreements, lease agreements, listing agreements, amendments, mutual releases).Handling sending of mail-based marketing and assisting with updating MLS for pending and active listings.

ADMINISTRATIVE ASSISTANT

Janiga Home Sales

05.2018 - 04.2019

Importing and exporting of trailers throughout America and overseas
Process and reconcile all A/P invoices three-way match (invoice, receivers, purchase orders).Process inter-company invoices (300-500) per day and back out inter-company transactions
Match purchase orders to invoices and enter invoices into computer
Reconcile processed work by verifying entries and comparing system reports to balances
Charge expenses to accounts and cost centers by analyzing invoice/expense reports and recording entries
Pay vendors by monitoring discount opportunities, verifying federal ID numbers, scheduling and preparing checks, resolving purchase order, contract, invoice, or payment discrepancies and documentation; insuring credit is received for outstanding memos, issuing stop-payments or purchase order amendments
Pay employees by receiving and verifying expense reports for advances, preparing checks
Maintain accounting ledgers by verifying and posting account transactions
Verify vendor accounts by reconciling monthly statements
Enter new or update vendor names and data
Report sales taxes by calculating requirements on paid invoices
Provide accurate and effective document preparation and records management relative to file
AP function in accordance with records retention policies and procedures
Protect organization's value by keeping information confidential
Update job knowledge by participating in educational opportunities.
Managed paper and electronic filing systems by routing various documents, taking messages and managing incoming and outgoing mail.
Executed record filing system to improve document organization and management.

ACCOUNTINGCLERK

Kentucky Trailer Commerce MI

10.2015 - 12.2017

Maintain up-to-date billing system generate and send out invoices follow up on, collect and payments, and carry out billing
Collection and reporting activities according to specific deadlines
Perform account reconciliations
Monitor customer account details for non-payments, delayed payments and other irregularities research and resolve payment discrepancies
Generate age analysis review AR aging to ensure compliance
Maintain accounts receivable customer files and records
Follow established procedures for processing receipts, cash, etc
Plus process credit card payments Prepare bank deposits investigate and resolve customer queries
Process adjustments develop a recovery system and initiate collection efforts
Communicate with customers via phone, email, mail or personally assist with month-end closing collect data and prepare monthly metrics.
Demonstrated strong organizational and time management skills while managing multiple projects.
Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.

Accounts Payable Clerk

Express Employment

03.2015 - 09.2015

Placed and received calls for customers trying to get credit report analysis
Reviewed credit report for creditor issues and inconsistencies
Revised tri-merged credit reports for mortgage qualifying purposes
Updated creditor reporting dates and times, removed inquiries, added non-traditional trade lines
Corresponded with
Mortgage companies and clients to process and complete credit card disputes
Verified and cleared liens and communicated with courts on client's behalf to resolve state and county tax liens issues recorded status to credit report
Researched property tax liens, cleared and satisfied judgments
Verified all key reporting information with all creditor parties for compliance purposes.
Effectively communicated with clients about payment needs and kept updated, detailed and accurate ledgers.
Reconciled company bank, credit card and line of credit accounts, investigating and resolving discrepancies to keep accounts audit-ready.

CUSTOMER SERVICE REPRESENTATIVE,

Kelly Services

01.2011 - 07.2015

Mortgage industry professional with loan-processing experience and a comprehensive knowledge of conventional and government loan programs
Thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from pre approval to closing
Computer savvy in MS Office Suite and proprietary mortgage- processing software
Provided support to loan officer and underwriter teams by ensuring a timely, judicious and accurate processing of mortgages.
Review and verify borrowers' income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal.
Ensure compliance with company policies, underwriting guidelines and lending-program requirements
Conforming & Nonconforming Loans, Arms,
Jumbo Loans, Fannie Mae & Freddie Mac Guidelines
Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings
Successfully processed some of the most challenging loan applications (e.g., first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
Recommended, selected and helped locate and obtain out-of-stock product based on customer requests.
Responded to customer requests for products, services, and company information.

CEO LOAN PROCESSOR

JAX Processing

01.2001 - 02.2008

Managed daily pipeline for daily and monthly reporting purposes
Ensured all loans were processed and closed in a timely manner
Interviewed, Hired and trained new loan processors and originators
Obtained and reviewed documents for acceptability against loan conditions
Structured final loan package for compliance and made sure all necessary documents were enclosed.
Led recruitment and development of strategic alliances to maximize utilization of existing talent and capabilities.
Identified new revenue generation opportunities to maximize bottom-line profitability.
Founded performance- and merit-based evaluation system to assess staff performance.
Established foundational processes for business operations.

OFFICE MANAGER/LOANOFFICER

JEM Marketing

03.2003 - 02.2005

Managed daily pipeline for daily and monthly reporting purposes. Ensured all loans were processed and closed in timely manner. Interviewed, Hired and trained new loan processors and originators. Obtained and reviewed documents for acceptability against loan conditions. Structured final loan package for compliance and made sure all necessary documents were enclosed.
Evaluated employee records and productivity and submitted evaluation reports.
Evaluated employee performance and conveyed constructive feedback to improve skills.

Summary

Overview

Work History

Mortgage Loan Processor

SENIOR MORTGAGE LOAN PROCESSOR,

MORTGAGE LOAN PROCESSOR,

LOAN PROCESSOR

ADMINISTRATIVE ASSISTANT

ACCOUNTINGCLERK

Accounts Payable Clerk

CUSTOMER SERVICE REPRESENTATIVE,

CEO LOAN PROCESSOR

OFFICE MANAGER/LOANOFFICER

Education

Associate of Arts - Liberal Arts And General Studies

Skills

Timeline

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