Lindsay Cavanaugh
Krugerville,TX
Summary
Dynamic mortgage professional with extensive experience at Independent Financial, excelling in loan processing and underwriting. Proven expertise in risk assessment and compliance, ensuring adherence to FHA and VA guidelines. Strong communicator and collaborator, adept at resolving complex issues to facilitate timely loan approvals. Committed to delivering exceptional service and accuracy.
Overview
21
21
years of professional experience
Work History
Loan Processor/Junior Mortgage Underwriter
Indepenent Financial
02.2010 - 02.2025
- Reviewed and verified loan application data for accuracy and completeness.
- Collected and evaluated borrower financial documents (W-2s, bank statements, credit reports, etc.).
- Maintained communication with loan officers, title companies, and underwriters.
- Ensured loans met regulatory and investor guidelines (e.g., FHA, VA, FNMA, FHLMC).
- Coordinated document submission and timelines to meet funding deadlines.
- Addressed conditions requested by underwriters in a timely manner.
- Evaluated borrower risk and creditworthiness based on financial documentation and loan parameters.
- Made final loan approval, denial, or suspension decisions based on company and investor guidelines.
- Assessed income, assets, debt, and property documentation to ensure compliance with lending policies.
- Reviewed appraisals, title reports, and collateral documentation.
- Collaborated with processors, loan officers, and compliance to resolve complex issues.
- Maintained knowledge of regulatory changes and investor updates (e.g., HUD, CFPB, Freddie Mac/Fannie Mae).
Loan Officer
UAMC
04.2004 - 02.2010
- Evaluated borrower financial documents (e.g., credit reports, tax returns, income, and assets) to assess loan eligibility
- Originated mortgage loan applications for conventional, FHA, VA, and USDA loan programs
- Built and maintained relationships with clients, real estate agents, and referral partners to grow business
- Guided clients through the mortgage process from pre-qualification to closing, ensuring an exceptional customer experience
- Ensured compliance with all lending regulations and company policies
- Used mortgage loan origination systems (e.g. Calyx Point) to manage and track applications
- Developed and implemented operational workflows to reduce loan processing times and improve customer satisfaction
- Collaborated with underwriting and closing departments to resolve pipeline issues and expedite funding
- Maintained a high customer satisfaction rating
Skills
- Mortgage Loan Processing
- Loan Underwriting
- Risk Assessment & Credit Analysis
- FHA/VA/USDA Loans
- Conventional & Jumbo Loans
- Compliance & Regulatory Knowledge (TRID, RESPA, TILA)
- Document Review & Verification
- Prepped Loan Officer for communication and expectations with customers
- Cross-functional Collaboration
- Loan Origination Software (eg Calyx Point, Calyx PATH, GUS)
Accomplishments
- Processed an average of _50__ loans per month in high market conditions
- Recognized as a top performer
- Maintained consistently low rework or error rate
- Achieved and Maintained NMLS licensing - 585665
Timeline
Loan Processor/Junior Mortgage Underwriter
Indepenent Financial
02.2010 - 02.2025
Loan Officer
UAMC
04.2004 - 02.2010
Similar Profiles
Owen CraigOwen Craig
Bakery Clerk at Rome's Your Indepenent GrocerBakery Clerk at Rome's Your Indepenent Grocer
Aina OladunniAina Oladunni
DISABILITY ANALYST NURSE at ATOS IT SERVICES UK LTD/ INDEPENENT ASSESSMENT SERVICESDISABILITY ANALYST NURSE at ATOS IT SERVICES UK LTD/ INDEPENENT ASSESSMENT SERVICES
Jonathan BeerJonathan Beer
OSJ Branch Manager at BAR Financial, A Region of Cetera Financial GroupOSJ Branch Manager at BAR Financial, A Region of Cetera Financial Group
Nathan DanielsNathan Daniels
Data Engineer at Travelers Indemnity CoData Engineer at Travelers Indemnity Co
Mattalynn MoonMattalynn Moon
Pricing Specialist at Spring marketPricing Specialist at Spring market