Lina Monsalve
Kissimmee,FL
Summary
Results-driven professional with extensive experience in managing high-volume pipelines and processing complex transactions in the mortgage industry. Proven expertise in regulatory compliance and mortgage regulations, including RESPA and TILA, ensuring adherence to legal standards across diverse financial products. Strong leadership skills in training and mentoring teams to enhance performance and customer satisfaction. Exceptional relationship management abilities, combined with effective problem-solving skills. Highly organized with a keen attention to detail, adept at utilizing technology to streamline workflows and improve service delivery in fast-paced environments.
Overview
10
10
years of professional experience
Work History
Senior Mortgage Loan Processor
Taylor Morrison
Maitland, FL
10.2019 - Current
- Developed and implemented streamlined processing procedures that reduced turnaround times and improved overall efficiency.
- Managed a pipeline of 80-100 complex loans that included FHA, VA, Conventional, and Non-Conforming Loans while maintaining exceptional quality control.
- Assisted Loan Officers in resolving customer issues related to their mortgages by troubleshooting potential solutions or escalating them when necessary.
- Developed relationships with internal departments such as Underwriting, Closing, Funding and Compliance teams in order to facilitate smoother processing timelines.
Consumer Loan Specialist
One Main Financial
Orlando, Florida
12.2018 - 10.2019
- Utilized automated underwriting and credit analysis systems to generate reports on applications, analyzing debt-to-income ratios and other metrics to assess applications.
- Performed reviews of existing customer accounts to identify any changes in risk profile or payment trends.
- Provided training to junior staff members regarding credit policy and procedure implementation.
- Conducted a detailed analysis of customer data, including cash flow, liquidity, profitability, leverage ratios, and collateral values.
- Established relationships with external partners such as banks or other financial institutions that offered consumer loans.
Mortgage Loan Processor
RP Funding
Maitland, Florida
06.2015 - 12.2018
- Assessed credit reports to determine eligibility for mortgage loans.
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
- Coordinated with title companies, appraisers, and other third parties to ensure timely completion of necessary assessments and documentation.
- Educated clients regarding guidelines and adjustments of loan contracts and packages.
- Managed a pipeline of 30-40 loan applications that included FHA, Conventional, and VA to ensure efficient processing throughout the month, with a 90% closing rate.
Skills
- Legal Compliance
- Proficient in Encompass
- Collaboration and Teamwork
- Underwriting knowledge
- Data Analysis
- Regulatory Compliance
Timeline
Senior Mortgage Loan Processor
Taylor Morrison
10.2019 - Current
Consumer Loan Specialist
One Main Financial
12.2018 - 10.2019
Mortgage Loan Processor
RP Funding
06.2015 - 12.2018