Kristin Nicole Miller
Santa Ana ,CA
Summary
Experienced loan processor with over 25 years in banking and financial services, recognized for effectively managing complex loan packages and fostering strong relationships with diverse clientele. Proven track record of building trust and loyalty between the bank and customers while coordinating documentation across departments. Demonstrated expertise in managing a substantial loan pipeline while delivering exceptional customer service. Committed to continuous improvement and operational excellence in all aspects of the lending process.
Overview
28
28
years of professional experience
Work History
Senior Loan Processor
ClearPath Lending
Irvine, CA
01.2016 - 02.2025
- Processed VA, FHA, ARM and Conventional mortgage loan products
- Processed purchases and manufactured homes transactions
- Maintained a pipeline of 50+ loans closing out an average of 50-70 loans monthly
- Examined and translated FNMA and FHLMC approval certificates
- Gathered conditions from clients for pre-underwriting, prior to doc and funding
- Mitigated issues, including clouds on titles, loan resells and creative loans restructuring for compliance with lender guidelines
- Supported other employees in problem solving
Processor/Underwriter/Funder
Sterk Investments/Fidelity Bancorp
Orange, CA
04.2018 - 05.2019
- Processed bridge, conventional, non-QM, and government loans for SFR, 2-4 units, multifamily, and commercial properties in CA.
- Maintained a pipeline of 25 to 35 loans.
- Pre-underwrote all loans before submitting to a variety of lenders.
- Prepared and sent out disclosures and final loan docs.
- Locked and extended loan commitments.
- Contacted customers to go over loan approvals and the documentation needed.
- Facilitated seamless coordination among lender, warehouse bank and escrow.
- Managed post-closing requirements.
Modification Processor/Underwriter
Infinity Legal Group
Lake Forest, CA
02.2013 - 01.2016
- HAMP and In-House Modification Programs
- Ability to underwrite the file creatively to fit HAMP, In-House, and other Modification guidelines
- Appeal denials successfully-Remove Sale Dates from files-Communicate with borrowers in a manner which shows sensitivity, tact, and professionalism
- Contact each borrower in a timely manner to introduce myself and go over the process and items needed for loan file
- Maintained a pipeline of 150 files or more
- In-depth understanding of tax returns, mortgage statements, etc
- Understand both CA and Federal rules regulations, policies and/or procedures and investor guidelines
- Current knowledge about the industry, laws, etc
Senior Loan Processor
Crossline Capital
Santa Ana, CA
08.2011 - 01.2013
- Processed conventional, ARM, VA and FHA mortgage loan products
- Prepared and distributed disclosures
- Examined and translated FNMA and FHLMC approval certificates
- Gathered conditions from clients for pre-underwriting, prior to doc and funding
- Mitigated issues, including clouds on titles, loan resells and creative loans restructuring for compliance with lender guidelines
- Coordinated closing with borrower(s) and escrow to meet rate locks
Loan Modification Processor/Underwriter/Loan Service
Wells Fargo
Santa Ana, CA
08.2009 - 08.2011
- Determination of a minimum 20 files per day
- Gathered stipulations and underwrote files based on specific program guidelines and borrower's qualifications
- Delivered documents and cleared title issues
- Promoted to a special foreclosure project, working with legal counsel to verify that all documents were accurate and final foreclosure figures were correct
- Once accuracy was confirmed, I drew up and signed the final Foreclosure Affidavit to present in court
Senior Loan Processor
Kastlepoint Mortgage
Laguna Hills, CA
10.2006 - 11.2008
- Performed open title and escrow, distributed submissions and locks
- Collected and verified funding and underwriting conditions
- Developed long-standing business relationships and rapport with clients
- Maintained an average pipeline of 40 to 60 loans
Senior Loan Processor
Greenlight
Irvine, CA
01.2004 - 03.2006
- Managed a pipeline with an average of 75-100 files and a value of ~$42 million
- Opened title and escrow, distributed submissions and locks, cleared funding and underwriting conditions
- Authorized to sign off 1st and 2nd underwriting and funding conditions
Senior Loan Processor
Ditech.com
Santa Ana, CA
08.1997 - 01.2004
- Managed a pipeline of up to 80 loans
- Recognized for high achievements in top performance
- Evaluated existing procedures and implemented new processes for examining and translating FNMA and FHLMC approval certificates resulting +75% submission-to-fund ratio
- Interpreted FNMA/FHLMC automated approvals and gathered conditions from applicants
- Authorized to sign before final underwriting approval
- Maintained excellent account relationships, building client trust and diligent follow-up with customers
- Managed loan reselling and developed methods to structure loans in compliance with company guidelines
Education
Cosmology -
Paul Mitchell The School
Santa Ana, CASkills
- Self-motivated
- Goal-Focused
- Outstanding communication skills
- Creative Problem-Solving
- Strong Organizational Skills
- Effective Team Collaboration
- Proficient Time Management
- Pipeline Management Expertise
References
Available upon request.
Timeline
Processor/Underwriter/Funder
Sterk Investments/Fidelity Bancorp
04.2018 - 05.2019
Senior Loan Processor
ClearPath Lending
01.2016 - 02.2025
Modification Processor/Underwriter
Infinity Legal Group
02.2013 - 01.2016
Senior Loan Processor
Crossline Capital
08.2011 - 01.2013
Loan Modification Processor/Underwriter/Loan Service
Wells Fargo
08.2009 - 08.2011
Senior Loan Processor
Kastlepoint Mortgage
10.2006 - 11.2008
Senior Loan Processor
Greenlight
01.2004 - 03.2006
Senior Loan Processor
Ditech.com
08.1997 - 01.2004
Cosmology -
Paul Mitchell The School
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