Kerry Lynne Gross

• Managed high-volume workload effectively through prioritization, organization, and superior time management skills.
• Enhanced client satisfaction by ensuring timely communication and accurate document preparation.
• Forwarded title clearing documentation to title officer for approval.
• Fostered a collaborative work environment by openly sharing information with colleagues and offering assistance when needed.
• Assisted clients in understanding complex transactions by clearly explaining essential terms and conditions during the closing process.
• Consistently met deadlines by proactively addressing potential issues that could delay closings or impact client satisfaction.
• Reduced processing time with thorough attention to detail in document review, verification of property information, and coordination with multiple parties.
• Collaborated closely with agents, lenders, attorneys, and other stakeholders for smooth transaction management.
• Maintained compliance with all regulatory requirements through consistent updating of knowledge and adherence to relevant guidelines.
• Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
• Reviewed and validated details of loan applications and closing documentation.
• Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
• Affirmed loan document accuracy to protect lenders from potential fraud.

• Facilitated clear communication channels between all parties involved in each transaction for more efficient problem resolution when needed.
• Enhanced customer satisfaction with timely and accurate mortgage closings, maintaining a professional demeanor throughout the process.
• Reduced errors in loan documentation by implementing thorough quality control measures.
• Reviewed executed documents thoroughly post-closing to ensure completion of required forms before final submission to investor or servicer partners.
• Evaluated loan requests and documents to verify accuracy and completeness.

• 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.
• Analyzed loan applications and credit reports to determine loan eligibility and risk level.
• Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
• Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry and enhance skills as a loan officer.

• Assessed borrowers'' financial situations to determine appropriate mortgage products and loan structure.
• Explained different types of loans pertaining to client situations.
• Increased loan approval rates by meticulously evaluating applicant financial data and advising on best practices for credit improvement.
• Developed and implemented marketing campaigns to generate new business opportunities.
• Worked with underwriters to fix application problems and resolve issues.
• Developed strong partnerships with local real estate agents to generate consistent referral sources for mortgages.

• Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
• Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
• Developed and implemented marketing campaigns to generate new business opportunities.
• Managed risk effectively by adhering closely to compliance guidelines during all stages of the loan origination process.
• Participated in ongoing professional development programs to continuously expand knowledge of the mortgage industry and enhance skills as a loan officer.

• Provide superior customer service to both internal and external customers.
• Obtained a thorough understanding of Lender and Government guidelines, to assist in the sales and processing of Conventional, Non-Conventional and FHA / VA / USDAS loan products.
• Reviewed borrower's credit and income profiles for my Mortgage Originators to ensure their clients met the requirements of the loan program they were applying for.
• Gathered and scrubbed documents and provided updates to clients throughout loan processing.
• Show leadership skills by assisting coworkers with distributing crucial information, answering frequent questions and sharing my knowledge to improve the quality of our business.
• Contacted borrower to request all necessary documents needed to clear all pending underwriting conditions.
• Performed physical review of new file submission for completeness and accuracy.
• Coordinated and scheduled closing dates with borrowers, closing agents and Realtors.
• Gathered conditions on approved loans.
• Responsible for gathering important and time-sensitive documentation from our customer to review loan, closing and settlement services for loans.

• Helped to minimize processing errors by pre-underwriting loans prior to submission to underwriting.
• Performed a complete analysis of loan submission to ensure all information is complete and accurate before submitting to underwriting.
• Coordinated with third party vendors, ordered and reviewed appraisals. Contact Title / Escrow / Atty and requested UW for title-deed.
• Reviewed paperwork to ensure 100% accuracy and completeness of loan applications.
• Identified problem areas within the loan portfolio, added risks, and suggested appropriate solutions or exceptions.
• Verified loans adhere to all federal and state compliance guidelines relative to retail mortgage lending.
• Verified loan credit, income and assets compiled to original guidelines and approvals, as well as manual approvals to ensure all closing conditions were satisfied as required.

• Supervised day-to-day operations to meet performance, quality and service expectations.
• Maintained a clean, safe, and organized store environment to enhance the customer experience.
• Developed strong working relationships with staff, fostering a positive work environment.
• Improved customer satisfaction by addressing and resolving complaints promptly.
• Completed regular inventory counts to verify stock levels, address discrepancies, and forecast future needs.
• Mentored junior staff members in their professional development by offering guidance/support in their assigned roles.
• Assisted in recruiting, interviewing, hiring, and onboarding of new employees to maintain adequate staffing levels.
• Enforced company policies consistently while handling disciplinary actions when necessary with fairness and respect.
• Scheduled staff shifts to ensure proper coverage during peak shopping hours without exceeding labor budgets.
• Boosted employee morale by recognizing outstanding performance and celebrating team accomplishments.
• Coordinated with vendors to ensure timely delivery of products and resolve any supply chain issues.
• Improved customer satisfaction by resolving complaints and inquiries promptly.

Division of Lennar Homes

• Provide superior customer service to both internal and external customers.
• Counseled homebuyers and recommended loan products and options to meet individual client needs.
• Consulted with clients about their current and future needs to help them achieve their financial goals.
• Assisted clients through the loan process from application to closing and troubleshoot any transaction issues.
• Reviewed HUD-1 settlement statements for accuracy to ensure a punctual closing and superior customer satisfaction.
• Originated first/second mortgage loan applications and negotiated sales of Conforming/Non-Conforming Conventional, DPA, FHA, VA & USDA mortgage loans.

Sales Assistant / Loan Processor

• Reviewed borrower's credit and income profiles for Mortgage Originator.
• Provide superior customer service to both internal and external customers.
• Performed a complete analysis of loan submission to ensure all information is complete and accurate before submitting to underwriting.
• Coordinated with third party vendors, ordered and received appraisals.
• Contact Title / Escrow / Atty and requested UW for title-deed.
• Order all credit supplements and retrieved verifications of employment, deposit and mortgage, as needed.

Secondary Marketing

• Interpret investor guidelines and utilize expertise to maintain a QC passing rate of greater than 90%.
• Interpret and analyze complex tax returns and financial documents.
• Demonstrate ability to comprehend program chances and new program guidelines.
• Analyzed the information provided by the borrower such as income, assets and their creditworthiness.
• Identified problem areas within the loan portfolio, anded risks, and suggested appropriate solutions or exceptions.
• Investigated conditions that needed to be satisfied by the client by searching the Underwriter's Worksheet.