Kristel Nebinger
Long Grove,IA
Summary
8 Years of experience managing a high-volume paperless loan pipeline in dynamic environments with high production, approval and member relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Overview
14
14
years of professional experience
Work History
Senior Mortgage Loan Processor
IH Mississippi Valley Credit Union
Moline, IL
05.2014 - Current
- Companies top performing processor averaging 37 files per month in 2021
- Process challenging loan applications (ex: first time home buyers, self-employed, and borrowers with problematic credit histories
- Obtain and verify that all loan documentation, such as title insurance, appraisals, loan applications, credit reports, income and assets are accurate and provided promptly to underwriters for loan approval
- Order third party documentation and reports for residential home loans, maintain mortgage loan file, and assist in clearing underwriting conditions as requested
- Review and input loan file documentation accurately
- Process, order documents and review FHA, VA & USDA government loans
- Process IFA, FHLB, Home Ready, DPP
- Ensure that all loan files, credit packages, and disclosure packages comply with company lending policies, as well as state and federal lending guidelines.
Member Services Representative
IH Mississippi Valley Credit Union
Davenport, Iowa
10.2011 - 05.2014
- Opened variety of accounts and performed many teller transactions such as cashing/depositing checks, redeeming savings bonds, opening, and closing CDs, loan inquiries, answer telephone.
Relationship Specialist/Teller
American Bank and Trust
Bettendorf, Iowa
01.2008 - 09.2011
- Opened variety of accounts, originated consumer loans, HELOCs, credit cards
- Performed teller transactions such as cashing/depositing checks, redeeming savings bonds, opening, and closing CDs, loan inquiries, answer telephone.
Education
Diploma - General Studies
North Scott High School
2002
Skills
- Regulatory Compliance Documentation
- Improvement Plans
- Underwriting Processes
- Collateral Value Checks
- Underwriting Regulations
- Detail Orientation
- Conventional Lending
- FHA, VA, USDA Lending
- Loan Process Coordination
- Desktop Underwriter
- Encompass
- Calyx Point
- Credit Verification
- Credit Reporting Software
- Stacks Understanding
- Government Standards
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
The supernatural is the natural not yet explained.
Elbert Hubbard
Timeline
Senior Mortgage Loan Processor
IH Mississippi Valley Credit Union
05.2014 - Current
Member Services Representative
IH Mississippi Valley Credit Union
10.2011 - 05.2014
Relationship Specialist/Teller
American Bank and Trust
01.2008 - 09.2011
Diploma - General Studies
North Scott High School
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