LISA KARDOOSE

• Act as a liaison between the Lending Center Manager, Commercial Loan Officers, attorneys, customers & other areas within the Bank.
• Prepare documents for loan origination, renewals and closings, such as commitment letters, credit memo, and other required documents.
• Order and track documents required to complete loan file including ordering floods; appraisals and ESA's when applicable.
• Review documentation against commitment and the credit memo
• Assist in coordination of information sent to Credit department for analysis and spreads
• Learn and assist lending team with implementation of the new nCino commercial loan system
• Prepare reports and manage various databases;
• Process and track all income and expenses information and review monthly finance reports for accuracy
• Manage, organize, and update relevant data using database applications
• Obtain and review documentation deficiency report and endeavor to cure deficiencies as needed
• Interpret financial statistics and other data in order to produce relevant reports. Understand the relevance of key ratios, covenants and documentation exceptions
• Increased loan approvals by coordinating with underwriting and credit teams.
• Reduced processing errors by implementing a thorough review system.

• Analyzed all documentation in file (credit reports, insurance, titles, purchase contracts, trust, power of attorney, appraisal) to ensure accurate information
• Ensure all disclosures required are in file accurate, signed, and dated to meet compliance along with state specific disclosures
• Applied various analytical techniques to diverse situations
• Prepared maintenance and compliance reports for executive summaries and presentations
• Designed plans to improve operations and suggested changes to systems for overall organization
• Collaborated with management and employees to assess business practices and determine areas for analysis
• Generated reports of findings to help management with making key decisions
• Analyzed and resolved alerts, conducted queries and culled records to assist with maintenance and problem resolution
• Reviewed process failures and determined root causes
• Demonstrated strong organizational and time management skills while managing multiple projects
• Skilled at working independently and collaboratively in a team environment
• Worked effectively in fast-paced environments
• Proved successful working within tight deadlines and a fast-paced environment

• Ensure documents are saved in system as PDF files and placed in correct folder
• Balance Closing Disclosure with closing title/attorney
• Responsible for ordering wires for closing, order supplement wires if needed
• Clear all PTF conditions prior to authorizing disbursement
• Run Mers on all files
• Explained different types of loans pertaining to client situations
• Worked with underwriters to fix application problems and resolve issues
• Reviewed loan files and updated to match current standards
• Oversaw scheduling of timely loan closing to satisfy home builder and borrower needs
• Monitored pipelines to track and log status of loans
• Compiled closing packages for drafting and presentation accuracy
• Established plans and payoffs for customers' loans, prioritizing control of overall costs
• Processed mortgage loan applications accurately and successfully for over 15 years
• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process
• Prepared file for final clear-to-close by branch management
• Handled any conditions sent from underwriting departments
• Reviewed financial statements and contacted institutions and customers to clarify details
• Set up and completed loan submission packages
• Maintained compliance with privacy and security requirements
• Coordinated closing process with attorneys, title companies and government clerks

• Collaborated with Loan Officers to provide timely,
accurate service for clients throughout entire mortgage
process.
• Prepared file for final clear-to-close by branch
management.
• Handled any conditions sent from underwriting
departments.
• Processed mortgage loan applications accurately and
successfully for over 15 years

• Reviewed financial statements and contacted institutions
and customers to clarify details.

• Coordinated closing process with attorneys, title
companies and government clerks.

AFFA Certification

Fitness Instructor
1998-2015

NMLS LICENSE

Issued April 2013

Credential ID 1060302

www.linkedin.com/in/lisa-kardoose