Kim Jansen
Port Huron,MI
Summary
Highly efficient financial professional with a solid background in processing mortgage loans. Strong problem-solving skills and a good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic.
Overview
17
17
years of professional experience
Work History
Accounts Payable Analyst
Xtreme Powerline Construction
05.2024 - Current
- Receive vendor invoices, validate for accuracy and route for approval to prepare for payment processing.
- Process daily invoices, check requests and wire transfers of domestic currency.
- Research and resolve invoice and payment issues for internal employees and external vendors.
- Enhance vendor relationships through prompt communication and timely resolution of discrepancies.
- Improve payment accuracy with meticulous invoice review and reconciliation efforts.
- Manage high-volume invoice processing efficiently, maintaining a consistent record of timely payments.
Clerk II
St. Clair County District Court
01.2023 - 09.2023
- Interacted with customers by phone, email, or in-person to provide information.
- Provided quality clerical support through data entry, document management, email correspondence, and overseeing operation of office equipment.
- Maintained filing system and organized customer documents for easy retrieval of information.
- Clerked in courtroom for judges during hearings.
- Input data into spreadsheets and databases.
- Reviewed files, records and other documents to obtain information to respond to requests.
- Received and processed payments for tickets, bonds, fines and costs.
- Opened, entered and processed a variety of criminal and civil matters including new cases, issuing notices, entering attorney appearances, dispositions, adjournments, etc.
- Performed complex data entry.
- Operated various computer suites to record receipt of case documents and other pertinent case information while maintaining strict confidentiality.
Senior Underwriter
SUCCESS MORTGAGE PARTNERS
06.2021 - 11.2021
- Underwrote Conventional mortgage loan files, all property types, utilizing Freddie Mac and Fannie Mae automated underwriting systems
- Responsible for reviewing financial statements, credit reports, title work, insurance, appraisals, applicable ratios, and all other aspects of the loan application
- Examined and evaluated loan applications to ensure accuracy, property eligibility, detect possible fraud, and determine guideline eligibility
- Utilized LP and DU effectively to assist with loan approvals
- Worked closely with Loan Officers, Loan Processors and Loan Partners to ensure timely and accurate loan approvals.
Sr. Loan Processor/Jr. Underwriter
SUCCESS MORTGAGE PARTNERS
08.2020 - 06.2021
- Handled the processing and pre-underwriting of residential first mortgages originated in multiple states, which included conventional, FHA, USDA and VA loans
- Assisted in training other mortgage staff members
- Worked closely with loan originators, senior underwriters, borrowers and closers to ensure the loans were completed in a timely manner
- Pre-Underwrote all files before sending to Senior Underwriters
- Calculated income, reviewed assets, determined loan eligibility
- Ran and reviewed DU/LP AUS findings for approval
- Researched issues with outside vendors, including title companies and insurance agencies, various investors and government agencies to ensure that the federal, state and banking regulations were met
- Cleared loan conditions to get the file to closing
- Prepared files for closing by reviewing and approving closing disclosures.
Senior Loan Processor/Jr Underwriter
AMERIFIRST FINANCIAL CORP
06.2012 - 08.2020
- Handled the processing of residential first mortgages originated in Michigan, which included conventional, FHA, MSHDA, USDA, renovation and VA loans
- Assisted in training other mortgage staff members
- Worked closely with loan originators, underwriters, borrowers and closers to ensure the loans were completed in a timely manner
- Researched issues with outside vendors, including title companies and insurance agencies, various investors and government agencies to ensure that the federal, state and banking regulations were met
- Cleared loan conditions to get the file to closing
- Prepared the file foreclosing by reviewing and approving closing disclosures.
Closing Specialist
AMERIFIRST FINANCIAL CORP
12.2017 - 02.2020
- Handled the closing of residential mortgages in several states by preparing the CD and loan closing packages
- Reviewed files for completeness; performed quality control to ensure all prior to closing and prior to funding underwriting conditions have been met
- Worked with lenders and processors to obtain missing documents and ensure completeness of each file
- Reviewed and balanced closing disclosures with title companies
- Ran Pred Protect, disaster certifications and checked TIL/HPML requirements
- Initiated wire requests by communicating with the accounting/warehousing department.
Mortgage Loan Processor/Closer/Post-Closer
SEAWAY BANK, nka NORTHSTAR BANK
07.2011 - 06.2012
- Handled the processing of residential first mortgages originated in Michigan, which included conventional, FHA, and VA loans
- Worked closely with loan originators, underwriters and borrowers to ensure the loans were completed in a timely manner
- Researched issues with outside vendors, various investors and government agencies to ensure that the federal, state and banking regulations were met
- Cleared loan conditions to get the file to closing
- Prepared closing documents and checked files for completeness and accuracy after closing.
Mortgage Loan Processor/Collections/Post-Closer
CITIZENS FIRST BANCORP, INC
04.2009 - 07.2011
- Handled the processing of residential first mortgages originated in Michigan, which included conventional and FHA loans
- Researched issues with outside vendors, various investors and government agencies to ensure that the federal, state and banking regulations were met
- Transferred to the Consumer Loans/Collections department where I was responsible for initiating phone calls to delinquent customers to collect payments
- Was also responsible for preparing documents for loan modifications for delinquent borrowers or loans affected by the housing market crash
- Transferred to the Post-closing department where I performed quality control on closed mortgage loan files for completeness and accuracy and prepared the files to be sent to investors.
Mortgage Loan Processor
FIRST PREFERRED MORTGAGE
01.2008 - 01.2009
- Handled the processing of residential first mortgages originated in Michigan, which included conventional, FHA, and VA loans
- Worked closely with originators and underwriters in handling loan origination and closing
- Researched issues with outside vendors, various investors and government agencies to ensure that the federal, state and banking regulations were met.
Education
Some College (No Degree) - General Studies
St. Clair County Community College
Port Huron, MIHigh School Diploma -
Northern High School
Port Huron, MISkills
- Data Entry
- Microsoft Applications
- Billing and Invoicing
- Prioritization
- Quality Control
- Administrative tasks
- Email Correspondence
- Update Records
- Record Sorting and Filing
- Document Management
Timeline
Accounts Payable Analyst
Xtreme Powerline Construction
05.2024 - Current
Clerk II
St. Clair County District Court
01.2023 - 09.2023
Senior Underwriter
SUCCESS MORTGAGE PARTNERS
06.2021 - 11.2021
Sr. Loan Processor/Jr. Underwriter
SUCCESS MORTGAGE PARTNERS
08.2020 - 06.2021
Closing Specialist
AMERIFIRST FINANCIAL CORP
12.2017 - 02.2020
Senior Loan Processor/Jr Underwriter
AMERIFIRST FINANCIAL CORP
06.2012 - 08.2020
Mortgage Loan Processor/Closer/Post-Closer
SEAWAY BANK, nka NORTHSTAR BANK
07.2011 - 06.2012
Mortgage Loan Processor/Collections/Post-Closer
CITIZENS FIRST BANCORP, INC
04.2009 - 07.2011
Mortgage Loan Processor
FIRST PREFERRED MORTGAGE
01.2008 - 01.2009
Some College (No Degree) - General Studies
St. Clair County Community College
High School Diploma -
Northern High School
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