Kim Kent
Apopka,FL
Summary
Dynamic Branch Operations Manager/Sr. Loan Processor with a proven track record at Direct Mortgage Loans, LLC, enhancing operational efficiency and client satisfaction. Excelled in loan processing, quality assurance, and team leadership, significantly improving return business. Expert in regulatory compliance and adept at fostering key client relationships, showcasing exceptional written and verbal communication skills.
Overview
22
22
years of professional experience
Work History
Branch Operations Manager/Sr. Loan Processor
Direct Mortgage Loans, LLC
, Remote
02.2018 - Current
- Supervise daily operations of mortgage processes for a team of five, ensuring the quality of work is maintained, making improvement recommendations, and conducting risk assessments to enhance operational efficiency.
- Increased return business by providing exceptional customer service, resolving complex issues, and understanding client needs when developing and maintaining key client relationships.
- Pipeline management to ensure SLA metrics are met each day.
- Provided ongoing training, mentoring, and performance evaluations to improve team skills and productivity.
- Approved and tracked team members' paid time off (PTO) requests and time cards, ensuring compliance with company policies, and accurate payroll processing.
- Proficient in processing various loan types: Conventional (FNMA/FHLMC), VA, FHA, Jumbo, Non-QM, Florida DPA, and BOND.
- Collaborated with loan officers, underwriters, and borrowers to gather, verify, and organize necessary documentation for loan approval, including income, credit, and asset information.
- Managed a loan pipeline of 30+ loans to ensure compliance with timelines, deadlines, and loan conditions, providing regular updates to clients and stakeholders.
- Reviewed and analyzed credit reports, title reports, and appraisal documents, identifying discrepancies, and working with necessary parties to resolve issues.
- Verified the borrower’s financial information, including income, assets, and employment history, ensuring compliance with lender guidelines and loan program requirements.
- Coordinated with third-party vendors, such as appraisers, title companies, and insurance providers, to obtain necessary documentation and keep loans on schedule.
- Processed and cleared conditions on loan files, ensuring all underwriting requirements were met before closing.
Senior Loan Processor
M/I Financial - M/I Homes
Lake Mary, FL
02.2017 - 08.2017
- Gather, analyze, and process necessary documentation from applicant(s), credit bureaus, employers, and various creditors to verify financial information and credit standings
- Review and assemble accurate loan information in a timely manner to obtain applicable loan approvals
- Communicate with applicant(s), underwriters and/or creditors to resolve problems or questions regarding application information
- Manage pipeline of 45-50 files
- Assist with special projects as requested, and perform additional duties as required.
- Verified builder loan packages, ensuring that all construction-related documents and project details were in line with company policies and regulatory guidelines.
- Reviewed and processed requests for change orders and amendments to loan terms related to construction project changes, ensuring all modifications were properly documented and compliant.
Loan Processor III
Finance of America Mortgage
, Remote
06.2015 - 01.2017
- Communicate with all parties involved in the transaction to keep them informed of file status
- Review and analyze all necessary documentation, including borrower docs and third-party docs
- Interpret policies while analyzing applicant information, property and documentation
- Calculate borrower income for all employment types including self-employed personal & business tax returns
- Comprehensive understanding of credit underwriting guidelines
Loan Officer/Processor
Insight Credit Union
Maitland, FL
08.2014 - 06.2015
- Interview mortgage and consumer loan applicants to understand and educate them on their financing options available
- Understand the loan applicant's goals in order to advise and review potential loan programs that would best suit their needs and stated goals
- Maintain reports and notes within the origination software and customer relationship management systems
- Review new leads daily and contact them to earn their business
- Provide necessary disclosures to a loan applicant within a timely manner in accordance with regulations
Sr. Loan Procesor
Taylor Morrison Home Funding
Maitland, FL
07.2013 - 06.2014
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Worked with third-party vendors to address and clear loan closing requirements.
- Performed detailed credit analysis to assess borrowers' ability to repay loans.
- Ensured compliance with federal and state regulations throughout the loan processing phase.
- Communicated with applicants to gather additional information and answer queries regarding loan processes.
Assistant Office Manager
Artistic Masonry Contractors
Apopka, FL
02.2009 - 09.2012
- Scheduled and coordinated meetings and travel arrangements for staff.
- Provided administrative support to senior management staff.
- Monitored inventory levels of office supplies; placed orders when necessary.
- Computed balances, totals or commissions to support accounting team.
- Tracked employee attendance records and vacation requests.
- Answered questions from customers regarding their billing or payment status.
- Received and recorded cash, checks and transfers.
- Recorded debit, credit and account transactions in computer spreadsheets and databases.
Sr. Loan Processor
M/I Financial - M/I Homes
Altamonte Springs, FL
01.2003 - 09.2008
- Coordinated with underwriters to resolve mortgage application issues and obtain necessary documentation.
- Collaborated closely with underwriters when reviewing files for final approval.
- Monitored progress of loans throughout the entire origination process from pre-qualification through post-closing activities.
- Structured loan packages by properly analyzing credit reports, income and asset documents.
- Interviewed loan applicants to obtain personal and financial data and assist in completing applications.
- Performed detailed credit analysis to assess borrowers' ability to repay loans.
Education
Diploma -
Apopka High School
Apopka, FL05.2000
Skills
- Loan Processing
- Quality Assurance
- Regulatory Compliance
- Agency Guidelines
- Team Leadership
- Written & Verbal Communication
- Time Management
Accomplishments
- 2024 Branch Operations Manager of the Year
Timeline
Branch Operations Manager/Sr. Loan Processor
Direct Mortgage Loans, LLC
02.2018 - Current
Senior Loan Processor
M/I Financial - M/I Homes
02.2017 - 08.2017
Loan Processor III
Finance of America Mortgage
06.2015 - 01.2017
Loan Officer/Processor
Insight Credit Union
08.2014 - 06.2015
Sr. Loan Procesor
Taylor Morrison Home Funding
07.2013 - 06.2014
Assistant Office Manager
Artistic Masonry Contractors
02.2009 - 09.2012
Sr. Loan Processor
M/I Financial - M/I Homes
01.2003 - 09.2008
Diploma -
Apopka High School
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