Summary
Overview
Work History
Education
Skills
Timeline
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LaShannon Joseph

White Springs

Summary

Dynamic Mortgage Loan Processor with expertise from Digital Risk/Mphasis, skilled in document analysis and pipeline management. Proven track record in achieving successful loan modifications and streamlining processes, enhancing efficiency. Strong communicator adept at guiding clients through complex financial situations while ensuring compliance with industry standards. Committed to fostering teamwork and excellence in quality control.

Manages high-volume loan paperwork in dynamic environments with high production, approval and customer 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

13
13
years of professional experience

Work History

Mortgage Loan Processor/Quality Control

Digital Risk/Mphasis
12.2019 - 07.2025
  • Worked with customers via telephone to answer questions, process transactions, and resolve issues.
  • Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
  • Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
  • Set up and completed loan submission packages.
  • Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
  • Prepared documents for underwriting by verifying client income, credit reports, and other information.
  • Inspected finished goods to verify conformance with customer specifications and company quality standards.
  • Provided training to new hires on quality control procedures, fostering a culture of excellence within the team.
  • Collaborated with production teams to resolve quality issues promptly and efficiently.
  • Streamlined data collection methods for more accurate reporting of quality metrics.
  • Conducted regular audits of production processes to ensure compliance with industry standards and regulations.
  • Educated employees on specific QA standards and confirmed maintenance of standards.
  • Handled any conditions sent from underwriting departments.
  • Reviewed financial statements and contacted institutions and customers to clarify details.

Loss Mitigation Specialist

Select Portfolio Servicing
10.2012 - 10.2024
  • Remained updated with latest information related to mortgage products and services being offered.
  • Prevented unnecessary foreclosures by effectively communicating available options to borrowers and guiding them through the loss mitigation process.
  • Conducted comprehensive loan reviews, identifying opportunities for modifications and alternative repayment plans.
  • Managed a high-volume caseload of at-risk borrowers, successfully negotiating mutually beneficial repayment solutions.
  • Evaluated pay stubs, credit history, tax information and bank statements for financial status.
  • Discussed property liquidation options with customers.
  • Achieved successful loan modifications through diligent analysis of borrower financial information and negotiation with lenders.
  • Safeguarded company interests by ensuring adherence to all relevant legal and regulatory requirements throughout the loss mitigation process.
  • Streamlined the loss mitigation application process for clients, resulting in increased efficiency and better outcomes for both borrowers and lenders.
  • Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
  • Ensured compliance with all relevant regulations and guidelines by diligently reviewing loss mitigation documentation and procedures.
  • Assisted with short sales and deed in lieu processes.
  • Reached out to borrowers to discuss current status and loan workout options.
  • Explained legal aspects of loan to borrower, as well as payment terms and clauses.
  • Assisted customers with completing loan applications and other paperwork.

Education

Associate of Science - Social Work

North Florida Community College
Madison, FL

High School Diploma -

Madison County High School
Madison, FL
05-1992

Skills

  • Processing procedures
  • Pipeline management
  • Document analysis
  • Appraisal review

Timeline

Mortgage Loan Processor/Quality Control

Digital Risk/Mphasis
12.2019 - 07.2025

Loss Mitigation Specialist

Select Portfolio Servicing
10.2012 - 10.2024

Associate of Science - Social Work

North Florida Community College

High School Diploma -

Madison County High School

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