Kesa McIntosh
Hendersonville,NC
Summary
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.
Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
25
25
years of professional experience
Work History
Sales Support Specialist
First Citizens Bank
Hendersonville, NC
03.2024 - Current
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
Accounts Receivable and Billing
Snowcreek Landscape
Arden, NC
07.2023 - 02.2024
- Prepare and email/mail invoices to customers, process payments, and document account updates.
- Follow up overdue payments and payment plans from clients to establish good cash flow via Aging reports.
- Receive and submit electronic, credit card and check deposits then prepare daily Excel report to CFO
- Identified, researched, and resolved billing variances to maintain system accuracy and currency.
- Utilize Microsoft Excel and Aspire software to manage invoices and payments.
Mortgage Loan Processor
Glacier Bank
Kalispell MT
09.2019 - 03.2022
- Thoroughly review the loan to verify the appropriate program, document and disclosures are included and accurate
- Ensure URLA accuracy at submission for completeness and compliance
- Accurately analyze credit, calculate income, evaluate and review of assets, liabilities and collateral per agency and investor guidelines
- Responsible for the review of underwriting conditions and gathering up the documentation needed for clearing conditions for final Underwriting
- Prepare initial and CIC disclosures
- Read and interpret DU and LP
- Proficient knowledge of Conventional, FHA, VA, USDA, MI and construction loans
- Address potential issues, if they arise, that could hinder the process as the file moves along and find a solution/remedy, if possible
- Maintain an effective working relationship between Borrowers and MLO
Mortgage Loan Processor
Southpoint Financial Services, Inc
Alpharetta, GA
07.2013 - 09.2019
- Set up the initial Broker file by compiling package and preparing initial disclosures
- Requested all initial VOE's, appraisal, transcripts and any credit supplements, letter of explanations
- Submitted the file to initial underwriting and cleared the remainder of conditions and submitted for final underwriting and scheduled the closing accordingly
Compliance Assistant
MILEND, Inc
07.2011 - 07.2013
Mortgage Loan Processor
Accredited Home Lenders-Atlanta
07.2000 - 09.2007
Skills
- Loan structuring
- Risk evaluation
- Professionalism and Integrity
- Processing procedures
Timeline
Sales Support Specialist
First Citizens Bank
03.2024 - Current
Accounts Receivable and Billing
Snowcreek Landscape
07.2023 - 02.2024
Mortgage Loan Processor
Glacier Bank
09.2019 - 03.2022
Mortgage Loan Processor
Southpoint Financial Services, Inc
07.2013 - 09.2019
Compliance Assistant
MILEND, Inc
07.2011 - 07.2013
Mortgage Loan Processor
Accredited Home Lenders-Atlanta
07.2000 - 09.2007