Krystal Shelton
Hernando,MS
Summary
I have experience in all aspects of mortgage business. This helps me as a whole to understand not just what my job entails but try to prevent any issues that may appear down the line. I am also looking to get out of the mortgage industry as the market is changing drastically. I am only looking to leave my current position because our pay has been cut with our bonuses which is over a 3rd of my income. I would appreciate any consideration you would give me
Overview
30
30
years of professional experience
Work History
Loan Coordinator - Team Lead/Loan Officer Assistan
Nations Lending
12.2021 - Current
- Set up files using loan officer checklist and submitted on-time for processing.
- Maintained referral pipeline by reaching out regularly to real estate agents, referral partners, and past clients.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Assisted with timely loan closing and funding activities with efficient management of task checklists.
- Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
- Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
- Managed event planning and execution for business-centered gatherings.
- Documented borrower's information in loan processing system and resolved any discrepancies.
- Set up files using loan officer checklist and submitted on-time for processing.
- Communicated with customers daily to request information and complete paperwork.
- Monitored key dates to obtain information by deadlines.
- Assembled important paperwork and disclosures for borrower.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Managed Processing Pipeline with approximately $15 million with 3 different branches
- Managed Appraisal Pipeline with AMC
Sr. Mortgage Processor
Guaranteed Rate
04.2021 - 10.2021
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Communicated with originator and applicant concerning progress of loan file.
- Handled any conditions sent from underwriting departments.
- Set up and completed loan submission packages.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Prepared file for final clear-to-close by branch management.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Worked with Sofi Lending/Stearns Transition Team when Guarantee Rate aquired them
Loan Processor III/Loan Officer Assistant
Amcap Home Loans
06.2020 - 03.2021
- Monitored key dates to obtain information by deadlines.
- Communicated with customers daily to request information and complete paperwork.
- Assembled important paperwork and disclosures for borrower.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Assisted Branch Manger with all loans
- Set up files for 4 branches with approximately 60-70 loans per month
- Processed 35-50 loans per month
- Assessed loan compliance to meet mortgage lending laws and regulations.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Coordinated closing process with attorneys, title companies, and government clerks.
Financial Underwriting Investigator
American Financial
12.2018 - 07.2020
- Worked for a multi million dollar auto company that did all in house financing
- Responsible for reviewing & analyzing credit history, and approving or denying credit extension based on company guidelines.
- Once approved, I reviewed al documentation for possible fraud & to verify all information provided including employment
- Verified that dealership complied with all approval guidelines
Escrow Officer
Byrne & Associates
07.2018 - 11.2018
- Prepared documents for closing and handled complete disbursement and follow up of escrow transactions.
- Scheduled closing appointments for seller and buyer or arranged for delivery of documents for out of area closings.
- Checked signatures and legal descriptions for accuracy and integrity.
- Returned executed loan packages to lender for review and approval in accordance with lender instructions.
- Managed real estate closing process in compliance with applicable standards and legal requirements.
- Communicated requirements and title exception information to clients.
- Set up escrow transactions, processed deposits and mailed out forms and preliminary title reports for review.
Loan Processor II
First Horizon Bank
04.2016 - 06.2018
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Utilized loan origination software to process and track loan applications.
- Handled any conditions sent from underwriting departments.
Owner/Designer
Magnolia Monograms & Gifts
06.2008 - 11.2017
- Managed day-to-day business operations.
- Consulted with customers to assess needs and propose optimal solutions.
- Trained and motivated employees to perform daily business functions.
- Evaluated suppliers to maintain cost controls and improve operations.
- Set up sales with multiple sales sites such as Zulily, Jane & Groopdealz
- Solo Designer
Co Owner/Sr. Loan Officer
Capital First Lending, LLC
11.2001 - 06.2008
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Developed and maintained relationships with local real estate agents.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Participated in monthly training on latest technology trends and products in the industry
- Devised hiring and recruitment policies for a 15 employee company
- Directed and controlled various benefit programs, including 401K, medical, dental and vision packages
Loan Officer
Wells Fargo
04.1998 - 11.2001
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Submitted loan applications to underwriter for verification and recommendations.
Mortgage Loan Processor
First Trust Mortgage/Pinnacle Bank
01.1994 - 04.1998
- Handled any conditions sent from underwriting departments.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Set up and completed loan submission packages.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Reviewed financial statements and contacted institutions and customers to clarify details.
Education
Associate of Science - Finance
Mississippi State University
Starkville, MS12.1993
High School Diploma -
Collierville High School
Collierville, TN05.1990
Skills
- Office Support
- Encompass Software
- Blend Software
- Analytical Skills
- Conflict resolution
- Excellent work ethic
- Adaptabilty
- Trouble shooting
Timeline
Loan Coordinator - Team Lead/Loan Officer Assistan
Nations Lending
12.2021 - Current
Sr. Mortgage Processor
Guaranteed Rate
04.2021 - 10.2021
Loan Processor III/Loan Officer Assistant
Amcap Home Loans
06.2020 - 03.2021
Financial Underwriting Investigator
American Financial
12.2018 - 07.2020
Escrow Officer
Byrne & Associates
07.2018 - 11.2018
Loan Processor II
First Horizon Bank
04.2016 - 06.2018
Owner/Designer
Magnolia Monograms & Gifts
06.2008 - 11.2017
Co Owner/Sr. Loan Officer
Capital First Lending, LLC
11.2001 - 06.2008
Loan Officer
Wells Fargo
04.1998 - 11.2001
Mortgage Loan Processor
First Trust Mortgage/Pinnacle Bank
01.1994 - 04.1998
Associate of Science - Finance
Mississippi State University
High School Diploma -
Collierville High School
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