Kierra Gilliam
Katy,TX
Summary
Multi-talented, knowledgeable loan processing professional versed in customer service and bank standards. Excellent decision-maker with a strong eye for detail and a proactive nature. Bringing 5 years of experience in banking and financial positions. Highly skilled in working well with people of all backgrounds to complete loan packages. Adept at building loyalty and trust between bank, Loan originators and customer. Familiar with verifying tax, credit, employment, loan, personal and residential histories. Comfortable working alone or with team members to accomplish tasks and enhance processes
Overview
4
4
years of professional experience
Work History
Senior Loan Processor
Encompass Lending Group
Katy, TX
03.2022 - 09.2022
- Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises.
- Cultivated congenial relationships with clients and other parties in transactions with ultimate focus on customer satisfaction and business growth.
- Delivered enthusiastic, efficient and multi-faceted administrative and computer support, particularly through production and underwriting processes.
- Evaluated approvals against investor overlays and government lending standards.
- Handled any conditions sent from underwriting departments.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering HUD, VA, FNMA and FHLMC.
- Monitored pipelines to track and log status of loans.Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Coordinated closing process with attorneys, title companies and government clerks.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Reviewed and validated details of loan applications and closing documentation.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Collected paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with underwriters to fix application problems and resolve issues.
- Obtained and Evaluated pay stubs, credit history, tax information, payoff's and bank statements for financial status.
- Learned new skills and applied to daily tasks to improve efficiency and productivity.
Senior Loan Processor
Guild Mortgage
Remote, Tx
07.2020 - 04.2021
- Set up and completed loan submission packages.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Coordinated closing process with attorneys, title companies and government clerks.
- Evaluated approvals against established bank and government lending standards.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Provided quick turnaround times to maintain fast-past schedule.
- Maintained compliance with privacy and security requirements, as well as federal statutes.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Looked over and approved various types of loans.
- Produced closing instructions and coordinated with title company to monitor closing and funding.
- Coordinated with sellers, buyers, escrow agents and real estate agents to complete loan submissions and scheduled closing dates.
- Confirmed accurate fundings, lien payoffs and final mortgage recordings by collaborating with real estate agents, loan officers and attorneys.
- Interpreted borrower's assets and income to satisfy loan conditions and requirements.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Conducted pre-funding and funding activities for over 35 monthly applications.
- Reviewed and validated details of loan applications and closing documentation.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Checked packages for appropriate documentation.
Loan Processor
JNC Mortgage
Katy, TX
07.2017 - 02.2020
- Evaluated financial statements and contacted institutions and customers to clarify details.
- Experience with DU/LPA/GUS
- Ability to work effectively under pressure to meet deadlines.
- Filed completed packages quickly and efficiently.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Documentation, legal fees, valuations and lien searches.
- Organized loan files, updated databases, prepared general correspondence and communicated with stakeholders.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
- Ensured compliance with company policies, underwriting guidelines and lending program requirements.
- Reviewed and verified borrowers' income, credit reports, property appraisals and supplemental information to prepare documents for underwriting.
- Managed any conditions sent from underwriting departments.
- Maintained complete confidentiality of all submitted information according to release guidelines.
- Created and completed loan submission packages.
- Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
- Checked approvals against established bank and government lending standards.
- Upheld compliance with privacy and security requirements, as well as federal statutes covering FHA, VA, Conventional, USDA and other Bond loans.
- Reviewed historical customer accounts to assess payment compliance and adherence to loan terms.
- Submitted completed loan applications, including recommendations for underwriting approval or denial.
- Examined and verified information in loan application and closing documents.
- Assembled and compiled title abstracts, insurance forms, loan documents and tax receipts.
- Worked with third-party vendors to address and clear loan closing requirements.
- Carried out pre-funding and funding functions for more than 15 plus cases per month.
- Checked applicant credit, personal references and employment histories.
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
- Educated clients regarding guidelines and adjustments of loan contracts and packages.
- Pre underwrote all loans before initial submission
- Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
- Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises.
- Performed administrative tasks such as creating status reports on loans in progress, photocopying loan documents, printing daily mortgage rate sheets and answering phones.
- Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments and executed detailed follow-up through closing to verify completed requirements.
- Maintained up-to-date knowledge and compliance with internal policies and procedures and verified adherence to state and federal laws, rules and regulations affecting loan institutions.
- Monitored purchase loans for due diligence, financed contingency and closing date expiration and tracked pipeline for refinances.
Education
Katy High School
Katy, TX06.2011
Skills
- Resourcefulness
- Processing and verification of documents
- Proficient in Encompass E360 and Calyx
- Appraisal compilation
- MS Office
- Analytical and Critical Thinking
- Application preparation
- FHA, VA, USDA, Conventional and bond program loan process
- Financial analysis aptitude
- Processing and Underwriting Procedures
- Teamwork and Collaboration
- Adaptable and Eager to Learn
Timeline
Senior Loan Processor
Encompass Lending Group
03.2022 - 09.2022
Senior Loan Processor
Guild Mortgage
07.2020 - 04.2021
Loan Processor
JNC Mortgage
07.2017 - 02.2020
Katy High School
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