Linda Lannuier
Senior Mortgage Processor
Albertville,AL
Summary
Dynamic Senior Mortgage Processor with extensive experience, excelling in risk assessment and regulatory compliance. Proven track record of enhancing customer satisfaction and managing high-volume pipelines. Adept at training teams and implementing efficient processes, ensuring timely loan approvals while fostering strong relationships with industry professionals.
Overview
21
21
years of professional experience
Work History
Senior Mortgage Processor
Drummond Community Bank
10.2014 - 12.2023
- Developed strong relationships with realtors, title companies, and other industry professionals to facilitate smooth transactions.
- Mitigated risks associated with lending decisions by diligently verifying income, assets, and credit history information provided by applicants.
- Demonstrated expertise in various loan products, offering tailored solutions to meet clients' unique needs.
- Ensured compliance with federal and state regulations by conducting thorough reviews of loan documents.
- Contributed to the growth of the organization by consistently meeting or exceeding sales objectives.
- Managed a high-volume pipeline of loans, prioritizing tasks for optimal efficiency and client satisfaction.
- Provided exceptional customer service by addressing borrower concerns promptly and professionally.
- Facilitated seamless transitions from application submission to final approval stages with keen attention to detail throughout the process.
- Enhanced customer satisfaction by providing timely and accurate updates on loan applications.
Senior Mortgage Processor
Extraco Banks
10.2008 - 09.2014
- Enhanced customer satisfaction by providing timely and accurate updates on loan applications.
- Oversee the complete loan lifecycle from submission to closing, managing high volumes and complex files.
- Analyzed and verified }income (W2, self-employed), assets, credit, appraisals, title, and insurance documents for accuracy and completeness.
- Ensured adherence to federal, state, and investor guidelines (e.g., Fannie Mae, Freddie Mac, FHA, VA).
- Acted as the main point of contact for borrowers, loan officers, underwriters, realtors, and third-party vendors (title, escrow, appraisal).
- Proactively cleared conditions from underwriters to move files to closing.
- Trained and guided junior processors, serving as an escalation point for complex issues.
- Prioritized and manage workload to meet closing deadlines and performance metrics.
- Conducted initial file reviews and calculations (e.g., income, DU findings) before official underwriting.
Senior Mortgage Processor/Junior Underwriter
Weichert Financial Services
08.2002 - 08.2008
- Facilitated seamless transitions from application submission to final approval stages with keen attention to detail throughout the process.
- Managed a high-volume pipeline of loans, prioritizing tasks for optimal efficiency and client satisfaction.
- Mitigated risks associated with lending decisions by diligently verifying income, assets, and credit history information provided by applicants.
- Negotiated terms and conditions of coverage with clients to acquire maximum profitability.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
- Assessed and advised on loan applications utilizing in-depth underwriting process understanding.
- Evaluated loan applications for affordability and conformance with underwriting guidelines.
- Determined and documented loan conditions and communicated requirements and decisions.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
Education
BBA - Business Administration And Management
The University of Texas At San Antonio
San Antonio, TX05-1992
Skills
Risk assessment
Underwriting
Regulatory compliance
Escrow coordination
High volume pipeline management experience
Mortgage regulations proficiency
Loan origination systems
Loan programs
Title review expertise
Document review
Information verification
Appraisal review
Policy adherence
Proficient in DU and LP
Appraisals
Contract finalization
Created reports
Credit evaluation
Teamwork and collaboration
Customer service
Microsoft office
Problem-solving
Time management
Problem-solving abilities
Multitasking
Timeline
Senior Mortgage Processor
Drummond Community Bank
10.2014 - 12.2023
Senior Mortgage Processor
Extraco Banks
10.2008 - 09.2014
Senior Mortgage Processor/Junior Underwriter
Weichert Financial Services
08.2002 - 08.2008
BBA - Business Administration And Management
The University of Texas At San Antonio