Kimberly Taylor
Summary
Outgoing, goal oriented Mortgage/Real Estate Professional with 30+ years of experience. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Seeking a position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Loan Officer Assistant
Jackson Enterprises
04.2022 - Current
- Answered inquiries and provided superior customer service to clients.
- Coordinated with loan officers to optimize the pre-approval process, resulting in a smoother overall experience for clients.
- Communicated with customers daily to request information and complete paperwork.
- Reduced processing time by maintaining an organized system for tracking outstanding documents and followups.
- Provided comprehensive administrative support to Loan Officers so they could focus on building relationships with clients and generating new business opportunities.
- Set up files using loan officer checklist and submitted on-time for processing.
- Managed customer relations, ensuring timely communication of loan status updates for increased client retention.
- Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.
- Proactively addressed potential roadblocks in the loan process, resulting in faster resolution of issues and higher client satisfaction rates.
- Improved turnaround times for loan applications through effective prioritization and proactive problem-solving techniques.
- Assisted in resolving customer complaints, following procedures to find mutually beneficial solutions.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Reviewed and validated details of loan applications and closing documentation.
Licensed Residential Real Estate Agent
SW Realty Advisors, LLC
08.2022 - Current
- Streamlined client onboarding by creating a system for intake forms and other necessary documentation, improving efficiency and organization.
- Conducted comprehensive market analyses to determine property values and guide clients in pricing decisions.
- Prepared detailed contracts for property transactions, safeguarding client interests while adhering to legal guidelines.
- Provided guidance to first-time homebuyers, simplifying complex processes and offering support throughout the transaction.
- Advised sellers on staging techniques to enhance the appeal of their homes, leading to quicker sales at higher prices.
- Collaborated with lenders, inspectors, and attorneys to facilitate smooth and efficient closings.
- Educated clients on mortgage options by connecting them with reputable lenders tailored to their financial needs.
- Organized open houses for prospective buyers, showcasing properties effectively and generating interest in available listings.
- Maintained compliance with industry regulations by completing continuing education courses and staying current on new laws or practices.
- Increased client satisfaction by providing knowledgeable and personalized service during the home buying process.
- Utilized technology tools such as MLS databases, CRM systems, and social media platforms to efficiently manage workloads and stay connected with clients.
- Partnered with photographers to showcase properties professionally, drawing attention to unique features and attracting potential buyers.
- Showed properties to potential buyers and other brokers at open houses and by appointment.
- Informed home buyer of sales, construction and warranty processes.
- Prepared and presented contracts and other legal documents to clients.
- Developed new business and managed new and existing clients.
Sr. FHA/SAR Mortgage Underwriter
CLM Mortgage, LLC
11.2015 - 04.2022
- Maintained mortgage program compliance with federal agencies such as VA, FHA, USDA, and FHLMC/FNMA.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.
- Collaborated with loan officers to clarify applicant information and expedite the underwriting process.
- Proactively identified solutions for customers experiencing credit issues.
- Perform manual underwriting as required by AUS.
Sr. FHA/SAR Mortgage Underwriter
Mountain West Financial
09.2014 - 09.2015
- Approved or denied loans based on established criteria and underwriting guidelines.
- Identified possible fraud risks through meticulous evaluation of application materials, protecting both lenders and homebuyers from potential losses.
- Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
- Supported the loan origination team by providing expert knowledge and guidance on complex underwriting scenarios, enabling well-informed decisions in challenging cases.
- Reviewed appraisals and title documents to verify accuracy and completeness.
- Maintained mortgage program compliance with federal agencies such as FHA/VA, USDA, FHLMC and FNMA.
Education
No Degree - Business Administration
Western Governors University
Sal Lake City Utah06.2026
Skills
- Mortgage Underwriting
- Mortgage Loan Processing
- Listing Presentation
- Real Estate Ethics
- Property valuation
- Contract Negotiation
- Appraisals
- State Real Estate Law
- Title Investigation
- Buyer and Seller Representation
- Real Estate License
- MLS Data Entry and Maintenance
Certification
FHA/DE Underwriter
VA/SAR Underwriter
USDA Certified Underwriter
Texas Licensed Real Estate Agent
FAA Licensed Flight Attendant
Licensed Notary Signing Agent
DOD NCA-1 Security Clearance
Licensed Loan Officer -expected 06/2024
Timeline
Licensed Residential Real Estate Agent
SW Realty Advisors, LLC
08.2022 - Current
Loan Officer Assistant
Jackson Enterprises
04.2022 - Current
Sr. FHA/SAR Mortgage Underwriter
CLM Mortgage, LLC
11.2015 - 04.2022
Sr. FHA/SAR Mortgage Underwriter
Mountain West Financial
09.2014 - 09.2015
No Degree - Business Administration
Western Governors University
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