Khadijah Greene
Willow Grove,PA
Summary
A mortgage loan processor utilizing diverse experience of mortgage loan processing to provide both the company and its clients with the best customer service experience and loan solutions.
Overview
21
21
years of professional experience
Work History
Server
Jeffrey A Miller Catering Services
05.2024 - Current
- Demonstrated strong multitasking skills by managing multiple tables simultaneously without compromising service quality.
- Served food and beverages promptly with focused attention to customer needs.
- Unpacking equipment from our truck and setting up tables, chairs, etc.
- Collaborated with team members during busy shifts for efficient workflow and excellent guest experiences.
- Serving guest by butlering and bussing food throughout cocktail hour and dinner.
- Performed opening and closing duties, ensuring the dining area was prepared for seamless service transitions.
- Enhanced customer satisfaction by promptly attending to their needs and providing personalized service.
- Maintained a clean and orderly dining area for an enjoyable guest experience.
- Provided attentive service during high-volume periods without sacrificing attention to detail or guest rapport.
- Bussed and reset tables to keep dining room and work areas clean.
- Addressed customer complaints or concerns professionally, ensuring swift resolution and maintaining positive relationships.
- Assisted in training new hires, providing guidance on J.A.M standards and best practices.
- Resolved customer complaints promptly and professionally to maintain positive reputation.
- Maintained clean and organized dining areas to uphold J.A.M. hygiene standards.
- Cleanup, breakdown and packing of our equipment used during the event.
- Set positive tone for entire dining experience as first point of contact for incoming guests.
Senior Mortgage Loan Processor
Prosperity Home Mortgage
09.2020 - Current
- Collaborated with team members to meet monthly targets, contributing to the overall success of the department.
- Reduced turnaround time for mortgage approvals through effective communication with underwriters and loan officers.
- Promoted teamwork within the department by fostering an inclusive environment and encouraging open communication among colleagues.
- Increased productivity by implementing time-saving strategies such as standardized checklists and document templates.
- Improved interdepartmental communication by establishing clear protocols for sharing information among team members.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Played an instrumental role in reducing errors through thorough review processes and attention to detail in reviewing applicant information.
- Maintained a high level of accuracy in data entry, ensuring all loan applications were processed without errors.
- Enhanced loan processing efficiency by streamlining documentation and verification procedures.
- Delivered exceptional results under tight deadlines while maintaining a high standard of quality control throughout each stage of the loan process.
- Exceeded customer satisfaction ratings by providing timely updates on loan statuses and addressing concerns promptly.
- Adapted quickly to changing market conditions, effectively adjusting workflow priorities based on fluctuating application volumes or regulatory shifts.
- Developed strong relationships with clients, earning repeat business through exceptional service and support during the loan process.
- Ensured compliance with industry regulations by staying up-to-date on changes in policies and guidelines related to mortgage lending.
- Managed a large pipeline of loans, prioritizing tasks to ensure deadlines were met consistently.
- Provided comprehensive support to loan officers, ensuring they had all necessary information to make informed decisions on mortgage applications.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
Senior Mortgage Processor
AMHFCU- First Heritage Mortgage
04.2018 - 09.2020
- Processing scope includes, but is not limited to, obtaining, inputting, verifying and updating of data in the appropriate Loan Originating System (LOS) and Automated Underwriting System (AUS) which is pertinent to: credit reports, employment, income, assets, taxes, insurance, collateral valuations, flood certifications, appraisals, closing services, lender and third party fees, rate locking, title work, HMDA and Adverse Actions
- Communicate with loan officers or members to request any missing or required documentation
- Order and reviews all appraisals, flood certification, payoffs and title work accordingly to established guidelines
- Update the mortgage system to record documentation that is requested and received and follow up to ensure that requests are completed
- Prepares and submits loans to underwriting that meet all guidelines of Desktop Underwriter & PMI
- Communicate with the member, MLO and Realtor regarding the processing status of the loan
- Monitor pipeline and follow up on all needed documentation
- Ensure that all loan notifications, commitment letters, disclosures and re-disclosures, are completed, accurate and distributed to applicants as required by all First Heritage , Secondary Market, State and Federal laws, regulations, policies, procedures and guidelines
- Ensure that all conditions are met prior to closing
- Review and compare loan estimates and draft closing disclosures to ensure all items are accurate, changes of circumstances have been documented, and required time frames for closing requirements have been met
- Obtain copy of current HOI and flood insurance and verify mortgage clause is in favor of the credit union
- Ensure all transactions are properly disbursed in accordance with the established time frames.
Mortgage Loan Processor II
Freedom Mortgage
05.2014 - 04.2018
- Initiates and maintains contact with customers and realtors throughout the processing period, assisting them with any questions and notifying them of any additional information needed
- Submits loans through DU and orders and follows up on any outside services such as credit reports, title, appraisals
- Satisfies conditions and ensures documentation meets requirements
- Monitors loans in process to determine any deviation from standard processing time and to take appropriate actions including notifying the manager for alternatives to ensure timely service
- Sets and maintains proper expectations to all parties
- Establishes accurate closing date and monitors promised closing dates to meet those established
- Meets standards for closing percentages of loans processed
- Performs final review of the completed application packages and prepares the file for approval, specifying any applicable conditions to the approval
- Notifies the customer of the underwriting decision
- Researches problems and files documents as needed.
Lead Bank Teller
Wells Fargo Bank
06.2011 - 05.2014
- Introduced customers to new products, services and generate leads to
- Examine checks for endorsements
- Identify and make sure referrals, recommend alternate channels, cross-section bank services
- Sort and file deposit slips for records
- Order a supply of cash to meet daily needs
- Trained and coached tellers in sales, service and operational goals
- Maintain operational integrity of entire store
- Investigated Teller shortage and overages to find losses or procedural errors
- Reviewed control logs and bank documents for audit review
- Maintain financial center cash and coin levels
- Maintain employees security control logs
- Maintained employees security profiles in banks computer system.
Guest Service Representative
Homestead Studio Suites
08.2006 - 06.2011
- Greeted, registered and assigned rooms to guests
- Processed all check-ins and confirmed reservations
- Performed quality reviews of guest reports and insured all requests we're expedited
- Completed book keeping activities to balance charges, fees, etc
- Handled phone inquiries, questions and concerns from guest.
Tour Operator
Island Meeting & Incentives
06.2003 - 06.2005
- Facilitated historical tours for guest
- Coordinate ground transportation for group events
- Arranged airport meet and greet for corporations
- Assisted with arrival / departure at airport
Education
Bachelors of Science in Biology -
Voorhees College
Denmark, SC05.2007
High School Diploma -
Charlotte Amalie High School
St. Thomas, USVI06.2003
Skills
- Excellent interpersonal abilities and customer service skills
- Work well under pressure
- Strong organizational skills, attention to detail and time management
- Able to multitask and adapt to schedule changes
- Creative thinker
- Proficient in Microsoft Word, Excel, PowerPoint
- Working knowledge on FNMA, FHLMC, FHA and VA, USDA Underwriting guidelines
- Positive Attitude
Timeline
Server
Jeffrey A Miller Catering Services
05.2024 - Current
Senior Mortgage Loan Processor
Prosperity Home Mortgage
09.2020 - Current
Senior Mortgage Processor
AMHFCU- First Heritage Mortgage
04.2018 - 09.2020
Mortgage Loan Processor II
Freedom Mortgage
05.2014 - 04.2018
Lead Bank Teller
Wells Fargo Bank
06.2011 - 05.2014
Guest Service Representative
Homestead Studio Suites
08.2006 - 06.2011
Tour Operator
Island Meeting & Incentives
06.2003 - 06.2005
Bachelors of Science in Biology -
Voorhees College
High School Diploma -
Charlotte Amalie High School