LORI JAMES
Loan Processor
Wilmington,NC
Summary
Talented Loan Processor with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Knowledgeable Loan Processor offering expertise in legal statutes and established lending guidelines. Excellent communication and negotiation skills. Offering a 24 year history of successful loan and mortgage processing.
Overview
24
24
years of professional experience
Work History
Loan Processor
Guaranteed Rate
10.2016 - 07.2023
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
Loan Processor
ABBA FIRST MORTGAGE
10.2011 - 10.2016
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Utilized loan origination software to process and track loan applications.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork. Increased sales by 20%.
Closing Title Agent
LENDERS TITLE & ESCROW
07.2009 - 10.2011
- Performed data entry and other administrative tasks to keep records and files organized and accurate.
- Communicated with customers to resolve common title issues. Managed over 50 plus calls per day.
- Audited and reviewed title documents for accuracy and compliance with state and federal regulations.
- Researched ownership interests and liens on real estate properties.
Loan Processor
OLYMPIC MORTGAGE
01.2009 - 07.2009
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process. Increased sales by 20% plus.
- Set up and completed loan submission packages.
- Coordinated closing process with attorneys, title companies, and government clerks.
Loan Processor
CAROLINA RESIDENTIAL MORTGAGE
01.2008 - 01.2009
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Provided quick turnaround times to maintain fast-past schedule.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information. Managed over 50 plus phone calls per day.
Loan Processor & Loan Origination ADVANCED
CAPITAL GROUP, INC
08.2007 - 01.2008
- Monitored pipelines to track and log status of loans.
- Developed and maintained relationships with customers, lenders and other third parties.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
Loan Officer and Loan Processor
ALLIED HOME MORTGAGE CORP
01.2006 - 01.2007
- Worked with underwriters to fix application problems and resolve issues.
- Explained different types of loans pertaining to client situations.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
Loan Processor
ALPHA MORTGAGE CORPORATION, MORTGAGE PROCESSOR
06.2005 - 11.2005
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Advised loan officers to comply with loan guidelines and apply best practices.
Processing Manager
STREAMLINE MORTGAGE CORPORATION
10.1998 - 03.2005
- Set up new branch office in Queens N.Y
- Recruited, trained, and supervised team of 9 loan officers and 2 processors
- Reviewed all new loan files submitted by loan officers
- Shopped loans through many different lenders to financially fit consumers needs
- Locked rates
- Assisted in processing loans, clearing conditions, and scheduling closings
- Primarily worked on FHA and Sub prime loans
Education
HIGH SCHOOL DIPLOMA -
BARSTOW HIGH SCHOOL
Barstow, CA06.1992
NC Origination License - Loan Officer License
NC Loan Officer Licensing Course
Wilmington, Long Island, NC.09.2006
Skills
- Information Verification
- Lending Software Systems
- Credit Reporting Software
- Financial Document Review
- Financial Underwriting
- Loan Paperwork
- Legal Compliance
- Desktop Underwriter
- Application Preparation
- Knowledge of VA Loan Process
Referances
Sara Stogsdill- (919)971-6093
Maureen Biagini- (910)352-3360
Kenneth Ahrem - (631)786-2208
Timeline
Loan Processor
Guaranteed Rate
10.2016 - 07.2023
Loan Processor
ABBA FIRST MORTGAGE
10.2011 - 10.2016
Closing Title Agent
LENDERS TITLE & ESCROW
07.2009 - 10.2011
Loan Processor
OLYMPIC MORTGAGE
01.2009 - 07.2009
Loan Processor
CAROLINA RESIDENTIAL MORTGAGE
01.2008 - 01.2009
Loan Processor & Loan Origination ADVANCED
CAPITAL GROUP, INC
08.2007 - 01.2008
Loan Officer and Loan Processor
ALLIED HOME MORTGAGE CORP
01.2006 - 01.2007
Loan Processor
ALPHA MORTGAGE CORPORATION, MORTGAGE PROCESSOR
06.2005 - 11.2005
Processing Manager
STREAMLINE MORTGAGE CORPORATION
10.1998 - 03.2005
HIGH SCHOOL DIPLOMA -
BARSTOW HIGH SCHOOL
NC Origination License - Loan Officer License
NC Loan Officer Licensing Course