Laura Patterson
Kingsport,TN
Summary
Manages high-volume lead outreach and pre-approval reviews 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
8
8
years of professional experience
1
1
Certification
Work History
LOAN PARTNER, MORTGAGE SALES
American Pacific Mortgage dba Preferred Rate
2021.06 - Current
- Improve loan processing efficiency by streamlining documentation and communication procedures.
- Identify potential issues with credit reports or property appraisals early in the process, addressing concerns promptly to avoid delays.
- Coordinate efficient file transfers between departments, expediting loan processing times without sacrificing accuracy or attention to detail.
- Demonstrate adaptability by handling various types of loans, including conventional mortgages, FHA loans, VA loans, and Non QM financing options.
- Minimize instance of missing or incomplete documentation by implementing a thorough file review process prior to submission for underwriting approval.
- Reduce client wait times for loan approvals through diligent follow-up with underwriters and prompt submission of required documents.
- Cultivate a positive work environment by fostering open lines of communication and collaborating effectively with colleagues across departments.
- Increase referral business through proactive outreach efforts and exemplary client relationship management skills.
MORTGAGE LOAN PROCESSOR
Bank of Lexington
2019.04 - 2021.05
- Collaborate with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Manage a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Contribute to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
- Maintain accurate records of loan processing activities and documents in CRM system.
- Review financial statements and contact institutions and customers to clarify details.
- Coordinate closing process with attorneys, title companies, and government clerks.
- Prepare file for final clear-to-close by branch management.
LOAN SERVICE OFFICER
Service Credit Union
2016.01 - 2018.10
- Maintain detailed records of all service interactions, ensuring accurate client information is available for follow-up actions.
- Provide exceptional customer support, leading to increased client retention and loyalty.
- Maintain accurate records and full compliance with government regulations and agency guidelines.
- Streamline service processes for increased efficiency and improved customer experience.
- Coordinate solutions for high volume of customer inquiries per day while meeting and exceeding performance quotas.
- Count cash drawers and deposits, check supplies and complete any other required opening or closing task to facilitate smooth team operations.
Skills
- Licensed Mortgage Loan Originator
- Goal-Oriented
- Relationship Management
- Business Correspondence Preparation
- Mortgage Underwriting
- Documentation Review
- Data Interpretation
- Credit Applications
- CRM Software
- Regulatory Compliance
- Decision-Making
- Lending Software Systems
- Desktop Underwriter
- Consumer Loan Underwriting
- Sales Development
Certification
NMLS 2070525
Timeline
LOAN PARTNER, MORTGAGE SALES
American Pacific Mortgage dba Preferred Rate
2021.06 - Current
MORTGAGE LOAN PROCESSOR
Bank of Lexington
2019.04 - 2021.05
LOAN SERVICE OFFICER
Service Credit Union
2016.01 - 2018.10
NMLS 2070525
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