Kristen Johnson
Mortgage Banker
Colorado Springs,CO
Summary
Talented Mortgage Banker bringing more than 12 years of experience in the field of lending. Skilled at working with clients, realtors and title companies to facilitate a smooth closing processes. Expert in delivering a highly personalized customer experience, with a strong attention to detail, and motivated to help others reach their financial and homeownership goals.
Overview
17
17
years of professional experience
Work History
Mortgage Banker III
NBH Bank, Community Banks Mortgage
Colorado Springs, Colorado
05.2018 - Current
- Assist clients through the entire loan process with home purchase and refinancing needs; to include the application process, evaluating client financial positions to identify the most appropriate loan products and programs, collection of necessary documents, coordination of closings, and maintaining direct communication with both the client and buyer and listing agent.
- Identify and network with real estate agents, past clients, builders, and other referral sources in order to generate continued business and additional client referrals
- Comprehensive knowledge of FNMA, FHLMC, FHA, VA, CHFA (and several other down payment and first-time homebuyer programs), USDA, non-QM brokered products, and specialty portfolio loan products
- In-depth knowledge and use of Encompass, DU, LP, AllRegs, Excel, Word, and overall PC usage
- Researching and keeping up-to-date on lending regulations, including loan program and investor changes or offering of new loan products
- Maintaining excellent organizational and time-management skills with ability to multi-task both remotely and on-site
- Providing a personalized customer service experience to each and every client with efficiency and accuracy throughout the transaction
- Ability to problem-solve and find resolutions to unique client loan situations in a professional manner
- Collaborating with my Assistant, Processor and Closer in order to create a streamlined and smooth process for the client.
Senior Mortgage Loan Processor
NBH Bank, Community Banks Mortgage
Colorado Springs, CO
12.2012 - 05.2018
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process
- Prepared file for underwriting submission with making certain that all required documentation was received and input to the file, collected any conditional items for approval, and prepared files for the closing team (solid knowledge working in Encompass)
- Worked with clients in person and via telephone to answer questions, process transactions, collect documents, and resolve any issues
- Communicated with originator and applicant concerning progress of loan file
- Collected and compiled documentation such as income documents, asset documents, title work, insurance paperwork, etc.
- Direct contact between underwriters, closers, and title companies on every loan file
- Processed between 10 - 30 mortgage files monthly
- Reviewed AllRegs and investor guidelines to ensure loan met all requirements and guidelines prior to underwriting submission.
Lending Specialist
Ent Federal Credit Union
Colorado Springs, CO
10.2009 - 03.2011
- Assisted the Servicing and Loan Production departments from October 2010 through March 2011. Duties included: assisting with FHA/VA/conventional mortgages, gathering information required for an gathering information, required for loans in the pipeline, filing new loan packets, and performing data entry on new and existing loans on the FICS & MERS systems, calling members in the loan pipeline with status updates, and working with various title companies to update records on closed refinance transactions
- Assisted loan processors with placing follow up calls and require loan documents needed, data, entry, electronically, filing, documents, received, faxing, etc.
- Acted as the primary Lending Specialist for the Monument branch; responsible for discussing all consumer in business loan options to Members, selecting appropriate loan products that meet Members needs and qualifications, taking applications using Streamlend and Symitar systems, closing and funding loans, preparing loan documents, generating loan leads, and following up with Members on potential loan needs
- Acted as the Lending Specialist in the area of service at corporate headquarters, which included assisting members over the phone with their loan needs, discussing options, referring to a loan specialist (sales) at the call center when needed, and resolving any loan and account issues
- Obtained copies of Member credit reports and reviewed paperwork to determine creditworthiness of granting loans
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action
- Explained very technical financial information to applicants in easy to understand language.
Telephone Service Representative III/ Lead
SchoolsFirst Federal Credit Union
Tustin , CA
12.2003 - 10.2009
- Committed to providing accurate and personalized member service as a top priority, while also cross telling additional products and services to meet members needs
- Delivered single call resolutions and maintained member satisfaction through quality servicing and handling
- Assisted the TSC specialist team, which coached and trained new team members
- Supported as back up supervisor on a routine basis
- Active participate in the telephone service center mentoring program
- Acted as the main service liaison for the telephone service center department for several years
- Attended numerous offsite and school events to promote membership, development and organizational awareness
- Active leader in the TSC loan pilot team within the telephone service department in order to generate and strengthen consumer loan activity and volume
- Performed account maintenance, processed all types of consumer loan, requests, filed, disputes and fraud, assisted with retirement, savings accounts, and open new accounts and loans
- Utilize knowledge of the following areas: account vesting types, NCUA insurance, application, processing, underwriting guidelines, home, equity products, Symitar based applications, FDR, and STAR systems
- Assisted at the branch level as a Member Service Representative II/Operations from 12/03 - 6/05, then transitioned to a Telephone Service Representative thru later 2009.
Education
California State University - Long Beach
Long Beach, CA05.2003
Skills
- Superior Customer Service & Customer Retention
- Mortgage Loan Origination
- Real Estate Lending Processes and Guidelines
- Loan Processing Coordination
- Credit History Review and Credit Guidance
- Automated Underwriting Systems
- Regulatory Requirements
- Processing Loan Applications
- Networking and Partnership Development
- Possess strong knowledge of the following programs: Encompass, Symitar, Streamlend, Word, Excel and PowerPoint
Timeline
Mortgage Banker III
NBH Bank, Community Banks Mortgage
05.2018 - Current
Senior Mortgage Loan Processor
NBH Bank, Community Banks Mortgage
12.2012 - 05.2018
Lending Specialist
Ent Federal Credit Union
10.2009 - 03.2011
Telephone Service Representative III/ Lead
SchoolsFirst Federal Credit Union
12.2003 - 10.2009
California State University - Long Beach
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