Laura Carucci-Kroll
New Port Richey,FL
Summary
Successfully manages high volumes of loan documentation in a fast-paced environment with demanding productivity, funding and customer satisfaction targets. Expert in verifying tax, credit, employment, assets, personal and residential histories. Comfortable working alone or with team members to accomplish tasks and enhance processes.
Overview
12
12
years of professional experience
Work History
Loan Processor – Wholesale/Broker
Clear 2 Close Home Loans Corp
Remote
04.2023 - Current
- Work with third-party vendors to address and clear loan closing requirements
- Assembled and compiled title abstracts, insurance forms, loan documents and tax receipts
- Examined and verified information in loan application and closing documents
- Reviewed historical customer accounts to assess payment compliance and adherence to loan terms
- Checked applicant credit, personal references and employment histories
- Calculated income from all sources (W2, Self-Employment, personal and business tax returns)
- Developed and maintained relationships with local real estate agents, insurance agents, title company, closing attorneys, etc.
Senior Clerk
State of Florida Department of Health - Pinellas
St. Petersburg, FL
01.2023 - 04.2023
- Used various computer applications to assess client financial eligibility for services according to set criteria, both for new and existing clients
- Assists clients with completion of consents, forms, and applications as needed.
- Collects and updates client demographic information.
Underwriter
VanDyk Mortgage Corporation
Clearwater, FL
03.2022 - 11.2022
- Conducted comprehensive analysis and evaluated risk to control underwriting loss
- Determined level of acceptable risk by reviewing applications for coverage and loss control reports
- Review and calculate income from tax returns (1120's, 1065's, Sched C, Sched E)
- Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions
- Maintained compliance with company and regulatory policies
- Extensive knowledge of USDA, Conventional, FHA and VA
- Expert - GUS, LP, DU and Encompass
Branch Operations Manager
VanDyk Mortgage Corporation
Georgia
11.2014 - 11.2022
- Coached staff on policies, procedures, and performance strategies
- Managed branch files per recordkeeping and compliance requirements
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty
- Supported outside sales force in servicing and obtaining new business
- Streamlined operational efficiencies by partnering with sales team to reevaluate and ensure peak product placement
- Pipeline Management
Senior Mortgage Loan Processor
VanDyk Mortgage Corporation
Clearwater, FL
11.2014 - 11.2022
- Maintain pipeline of 50+ loans (USDA, FHA, VA, Conventional)
- Work with third-party vendors to address and clear loan closing requirements.
- Examined and verified information in loan application and closing documents.
- Submitted completed loan applications, including recommendations for underwriting approval or denial.
- Obtained, reviewed and accepted/rejected document needed for Final Approval (CTC)
- Calculated income from all sources (W2, Self-Employment, etc.)
- Developed and maintained relationships with local real estate agents, insurance agents, title company, closing attorneys, etc.
Processing Supervisor
VanDyk Mortgage Corporation
Clearwater, FL
09.2015 - 02.2020
- Monitor and ensure timely processing and completion of all files by directing daily work of a team of 11 processors, while successfully managing a pipeline of over 500 loans per month
- Ensure all purchase loans close by the contract date
- Coach/train new hires and existing processors
- Responsible for hiring's, terminations, performance reviews
- Analyzed production reports to improve workflow and pre-production processes
- Trained, mentored, and supported high-performing teams, providing regular performance review, feedback and coaching in deficient areas
- Trained, developed, and counseled employees to develop high performing team
- Met other supervisors and business leaders to plan and guide workflow and operations
- Carried a pipeline of my own for more difficult files (10+ properties, numerous S/E businesses owned by same borrower).
Senior Mortgage Loan Processor
Integrity Financial Services
Largo, FL
08.2013 - 04.2014
- Processed 50+ assigned loans monthly and in accordance with FHA, Fannie Mae, and Freddie Mac lending guidelines
- Assembled and compiled title abstracts, insurance forms, loan documents and tax receipts
- Examined and verified information in loan application and closing documents
- Submitted completed loan applications, including recommendations for underwriting approval or denial
- Conveyed acceptance or rejection to customers by mail, telephone or in person
- Obtained, reviewed and accepted/rejected document needed for Final Approval (CTC)
Senior Mortgage Loan Processor
New Penn Financial LLC
Tampa, FL
07.2012 - 07.2013
- Processed 50+ assigned loans monthly and in accordance with FHA, Fannie Mae, and Freddie Mac lending guidelines
- Gathered documents for loan processing, which included credit report updates, appraisals, income tax returns, and asset verifications
- Ensured strict adherence to operational policies, procedures, and guidelines; established strong working relationships with the management and staff.
Education
High School Diploma -
Freehold Boro HS
Freehold, NJ06.1989
Skills
- Mortgage Processing Expert
- Client Account Management
- Credit Review Expert
- DU/LP/GUS Expert
- Encompass Expert
- Financial and Cashflow Analyses
- Mortgage Underwriting
- Customer Service
- Management and Supervision
- FHA/VA/USDA/Conventional
- Organization
- Critical thinking
Timeline
Loan Processor – Wholesale/Broker
Clear 2 Close Home Loans Corp
04.2023 - Current
Senior Clerk
State of Florida Department of Health - Pinellas
01.2023 - 04.2023
Underwriter
VanDyk Mortgage Corporation
03.2022 - 11.2022
Processing Supervisor
VanDyk Mortgage Corporation
09.2015 - 02.2020
Branch Operations Manager
VanDyk Mortgage Corporation
11.2014 - 11.2022
Senior Mortgage Loan Processor
VanDyk Mortgage Corporation
11.2014 - 11.2022
Senior Mortgage Loan Processor
Integrity Financial Services
08.2013 - 04.2014
Senior Mortgage Loan Processor
New Penn Financial LLC
07.2012 - 07.2013
High School Diploma -
Freehold Boro HS
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