LORRAYNE MIDDLETON
PEARLAND,TEXAS
Summary
Organized and dependable! Successful at managing multiple priorities with little to no supervision, while keeping a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
30
30
years of professional experience
Work History
Mortgage Loan Officer
Finance USA Corporation
11.2023 - Current
- Explained different types of loans pertaining to client situations.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Negotiated loan terms and conditions with clients to maximize profitability.
- Participated in industry events and conferences to build relationships and gain market intelligence.
- Monitored pipelines to track and log status of loans.
Server Trainer
Floyds Seafood
11.2023 - Current
- Trained new team members on restaurant procedures, menu items, and performance strategies.
- Demonstrated strong knowledge of food and beverage service standards and led by example to instill in new servers.
- Taught servers to memorize menu ingredients and provide information on preparation methods.
- Trained and mentored Number new personnel hired to fulfill various roles.
Bartender/Barista
Marriott Pearland
08.2023 - 11.2023
- Served high customer volumes during special events, nights, and weekends.
- Performed opening and closing duties, printing sales reports, setting up for incoming shift, preparing cash drawers, and taking inventory.
- Trained new bartenders on drink preparation, product promotion, garnish preparation, and sanitation protocol.
- Obtained cash bank and stocked service bar to prepare for operation.
Server
Fish City Grill
02.2023 - 09.2023
- Use Social media and word of mouth to create new customer base.
- Work with POS system to place orders, manage bills and handle complimentary items.
- Explain menu and specials, promote happy hour drinks and appetizers, as well as daily specials
- Ensure I am professional and engage with customers to create a customer base.
- Help ensure restaurant is clean, and that tables and seats are sanitized after each visit.
- Served food and beverages promptly with focused attention to customer needs.
- Worked with POS system to place orders, manage bills, and handle complimentary items.
- Cultivated warm relationships with regular customers.
- Maintained clean and organized dining areas to uphold restaurant hygiene standards.
- Explained menu items and suggested appropriate options for food allergy concerns.
Loan Processor III- Remote
Guild Mortgage-
11.2021 - 06.2022
- Work with customers via email and telephone to answer questions, process transactions and resolve issues.
- Review loan files for completeness, identify missing documentation and generated condition lists for applicants.
- Prepare documents for underwriting by verifying client income, credit reports and other information.
- Re-disclose LE, Initial CD and Final CD to ensure closing dates met
- Handle any conditions sent from underwriting departments.
- Coordinate closing process with customer, attorneys, title companies,and realtors
- Initiate CD request, Doc order request
- Work with funding department to ensure timely funding of loan
Loan Coordinator
Guaranteed Rate- Andrew Marquis Team, Boston MA
07.2019 - 10.2021
- Successfully processed and closed an average of 20-45 loans per month, including conventional, FHA, VA, USDA, BOND loans and new construction.
- Reviewed, processed, closed and administered customer loan approvals
- Coordinated closing process with attorneys, title companies and realtors
- Ensure Preliminary Closing and Final Closing Disclosure delivered to borrower to meet closing dates
- Assist new hires with Training, Coaching, and Mentorship.
- Received on-going, comprehensive training on home loan products and mortgage process
- Maintained strict confidentiality of bank records and client information
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action
- Monitored pipelines to track and log status of loans
Mortgage Loan Processor
Texas Loan Experts- John Schutze Team
02.2019 - 06.2019
- Process approximately 20-25 loans per month, including Conventional, FHA, VA, Bond Loans
- Set up and completed loan submission packages.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering loans.
- Communicated with originator and applicant concerning progress of loan file.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Handled any conditions sent from underwriting departments.
Loan Coordinator
Guaranteed Rate- Austin TX- John Schutze Team
11.2017 - 01.2019
- Process approximately 20-30 loans per month
- Set up and completed loan submission packages.
- Recommended loan approvals and denials based on customer loan application reviews.
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with attorneys, title companies and government clerks.
Mortgage Loan Processor
Supreme Lending- Austin TX- John Schutze Team
01.2016 - 11.2017
- Process approximately 20-25 loans per month
- Set up and completed loan submission packages
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues
- Handled any conditions sent from underwriting departments
- Communicated with originator and applicant concerning progress of loan file
- Prepared file for final clear-to-close by branch management
Mortgage Loan Processor
Crystal Clear Mortgage
11.2008 - 07.2015
- Handled all aspects of the mortgage loan process.
- Managed pipeline of approximately 20-40 loans per month; including conventional, FHA, VA, USDA, new construction.
- Analyzed loan applications, GFE & TIL were complete and in compliance with lenders guidelines.
- Evaluated automated underwriting findings and ensured income and assets met lenders debt to income and reserve requirements.
- Interacted with customers to explain loan approval and advise on items needed from lender.
- Initiated doc order request and reviewed settlement statements for accuracy.
- Managed rate locks and error and omission reports.
- Kept good rapport with clients, underwriters, and realtors always.
Mortgage Loan Officer Assistant
Grandmark Mortgage
06.2006 - 10.2008
- Supported Loan Officers with obtaining loan applications and disclosures as well as keeping customers and realtors informed during the loan process.
- Assisted employees with questions regarding loan pre-approval procedures and guidelines.
- Ensured employees were always complying by reviewing loan packages before submission.
- Conducted meetings with employees to discuss upcoming changes to underwriting guidelines.
- Confirmed employees were timely on loan submissions, ordering appraisals, title commitments, insurance, surveys.
Mortgage Loan Processor
Design Mortgage Group
05.2003 - 05.2006
- Completed loan process through delegated underwriting.
- Handled any conditions sent from underwriting departments
- Completed denial and cancellation procedures on applicable files
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor
- Coordinated closing process with attorneys, title companies and government clerks
Personal Banker
Bank Of America
01.1994 - 05.2003
- Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
- Promoted financial products by maintaining excellent service offering knowledge.
- Worked closely with management to strategize sales techniques to increase branch production and customer service.
Education
Champions School - Inactive Sales Agent
Champions School- NMLS 324355 (ACTIVE)
Skills
- Seven Years Encompass experience
- Twelve years Calyx Point experience
- Income Evaluation
- Automated Underwriting System (AUS)
- Problem Solving "Think outside the Box mentality"
- Loan File Review
- Credit History Review
- Attention to Detail
- Multitasking and Prioritization
- File Organization
- Excellent Verbal and Written Communication
References
- Leanne Poole- Mortgage Consultant- Cross Country Mortgage-401-632-1499
- Julie Spears- Mortgage Consultant- Guaranteed Rate- (606) 694-5631
- Shanan Shepherd- Realtor- 512-922-3002
Hobbies
Hobbies include taking long walks with my Miniature Boston Terrier, gardening, grilling, and spending time with family and friends!
Timeline
Mortgage Loan Officer
Finance USA Corporation
11.2023 - Current
Server Trainer
Floyds Seafood
11.2023 - Current
Bartender/Barista
Marriott Pearland
08.2023 - 11.2023
Server
Fish City Grill
02.2023 - 09.2023
Loan Processor III- Remote
Guild Mortgage-
11.2021 - 06.2022
Loan Coordinator
Guaranteed Rate- Andrew Marquis Team, Boston MA
07.2019 - 10.2021
Mortgage Loan Processor
Texas Loan Experts- John Schutze Team
02.2019 - 06.2019
Loan Coordinator
Guaranteed Rate- Austin TX- John Schutze Team
11.2017 - 01.2019
Mortgage Loan Processor
Supreme Lending- Austin TX- John Schutze Team
01.2016 - 11.2017
Mortgage Loan Processor
Crystal Clear Mortgage
11.2008 - 07.2015
Mortgage Loan Officer Assistant
Grandmark Mortgage
06.2006 - 10.2008
Mortgage Loan Processor
Design Mortgage Group
05.2003 - 05.2006
Personal Banker
Bank Of America
01.1994 - 05.2003
Champions School - Inactive Sales Agent
Champions School- NMLS 324355 (ACTIVE)