Summary
Overview
Work History
Education
Skills
Timeline
Generic

Krista L Berridge

Pensacola,FL

Summary

Experienced Loan Processor focused on improving the bank's loan program through knowledgeable and efficient service to customers according to program parameters.

Overview

6
6
years of professional experience

Work History

Appraisal Underwriting Specailist

Navy Federal Credit Union
02.2024 - Current
  • Participated in cross-functional projects aimed at improving overall business performance, leveraging expertise in appraisal underwriting principles and practices.
  • Achieved high customer satisfaction rates by promptly responding to inquiries regarding coverage eligibility, policy terms, pricing options, and other related topics.
  • Enhanced operational efficiencies through the implementation of data-driven decision-making processes in underwriting activities.
  • Collaborated with sales teams to support client acquisition and increase overall portfolio growth.
  • Identified opportunities for premium growth by cultivating strong relationships with vendors.
  • Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
  • Determined and documented loan conditions and communicated requirements and decisions.
  • Collaborated with other professionals to develop innovative underwriting solutions.

Equity Processor Ll

Navy Federal Credit Union
10.2021 - 02.2024
  • Analyze and research and resolve problems and discrepancies related to member accounts and loans.
  • Uphold complete confidentiality of all submitted information according to release guidelines.
  • Collect and review and verify documentation of mortgage refinance applications.
  • Prepare loan activity and update members.
  • Prepare loan closing documentation for settlement and coordinate settlement dates with members and attorneys.
  • Process equity applications according to established laws and requirements or guidelines.
  • Help to resolve changes, revisions and corrections with closing agents and settlement attorneys to ensure accurate and efficient processing of mortgage refinance loans.
  • Communicate knowledge of regulatory requirements and changes to members.
  • Perform other duties as assigned.
  • Coordinated closing process with attorneys, title companies and government clerks.
  • Set up and completed loan submission packages.
  • Handled any conditions sent from underwriting departments.
  • Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
  • Consulted with outside vendors to identify and resolve loan closing issues.

Mortgage Processor Ll

Navy Federal Credit Union
11.2019 - 10.2021
  • Analyze and research and resolve problems and discrepancies related to member accounts and loans
  • Supported other operational teams with financial transactions and account maintenance.
  • Collect and review and verify documentation of mortgage refinance applications.
  • Prepare loan activity updated to members.
  • Prepare loan closing documentation for settlement and coordinate settlement dates with members and attorneys.
  • Processed account paperwork, transfers and money movement for new business accounts.
  • Process refinance mortgage applications according to established laws and requirements or guidelines.
  • Resolve changes, revisions and corrections with closing agents and settlement attorneys to ensure accurate and efficient processing of mortgage refinance loans.
  • Communicate knowledge of regulatory requirements and changes to members.
  • Created strong working relationships with advisors, assistants and support staff.
  • Perform other duties as assigned.
  • Maintained compliance with privacy and security requirements, as well as federal statutes covering refinance mortgage loans.
  • Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Worked flexible hours across night, weekend and holiday shifts.
  • Worked with customers to understand needs and provide excellent service.
  • Worked within applicable standards, policies and regulatory guidelines to promote safe working environment.

Initial Document Review Specialist

Aerotek Industries
03.2019 - 11.2019
  • Reviewed purchase contracts.
  • Reviewed loan set up and update information and fees as needed.
  • Ensured Navy Federal guidelines and procedures were followed.
  • Performed other related duties as assigned or appropriate.
  • Prepared documents, such as contracts, statements of work, budgets, non-disclosure agreements and appendices.
  • Communicated with clients to review contracts, answer questions and determine special circumstances.
  • Worked with internal team members to remedy issues with preemptive solutions.
  • Used electronic systems for data entry, tracking and analysis.
  • Maintained organized and efficient document flows by using excellent planning and multitasking skills.
  • Promoted efficient document processing by maintaining orderly and clean control room.
  • Transmitted documents, organized revisions and tracked changes.

Education

High School Diploma -

Fremont Ross High School
Fremont, OH
06-1998

Skills

  • Self-Motivated
  • Dependable and Responsible
  • Cultural Awareness
  • Written Communication
  • Excellent Communication
  • Multitasking Abilities
  • Teamwork and Collaboration
  • Document Management
  • Interpersonal Communication
  • Teamwork and Collaboration
  • Customer Service

Timeline

Appraisal Underwriting Specailist

Navy Federal Credit Union
02.2024 - Current

Equity Processor Ll

Navy Federal Credit Union
10.2021 - 02.2024

Mortgage Processor Ll

Navy Federal Credit Union
11.2019 - 10.2021

Initial Document Review Specialist

Aerotek Industries
03.2019 - 11.2019

High School Diploma -

Fremont Ross High School

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Krista L Berridge