Summary
Overview
Work History
Education
Skills
Timeline
Generic

LYNN-MARIE TSURUMOTO

Summary

Results-oriented Loan Processor highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. Over 10 years of experience in loan processing and mortgages. Results-oriented Loan Processor highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. Over 10 years of experience in loan processing and mortgages.

Overview

10
10
years of professional experience

Work History

Loan Processor III, Retail

LoanDepot
01.2021 - Current
  • Administered the mortgage process from pre-approval to closing
  • Excellent Customer Service –internal and external – Act as liaison between Client, Sales and Underwriting - exercising a high level of confidentiality
  • Expanded Processing Authority
  • Disclosure and re-disclosures of borrower required forms as required by regulatory guidelines and timeframes
  • Finalize TRID compliant Change of Circumstances (COCs)
  • Closing Disclosures (CDs) and
  • Loan Estimates (Les)
  • Consolidated all loan documentation, update fees, escrow, liabilities, and assets
  • Run Automated Underwriting, correcting any errors and verify funds required for closing prior to underwriting submittal to ensure compliance with underwriting guidelines and lending-program requirements (FHA, VA, first-time home borrowers, self-employed, refinance, and purchase).
  • Reviewed financial statements and contacted institutions and customers to clarify details.

Loan Processing Analyst

TIAA Bank
01.2020 - 01.2021
  • Administered the mortgage process from pre-approval to closing
  • Knowledge of major functional processes and associated operating requirements, applying this knowledgeappropriately to diverse situations
  • Excellent Customer Service –internal and external – Act as liaison between Client, Sales and
  • Underwriting - exercising a high level of confidentiality
  • Mixed pipeline – purchases, refinances including CEMA and Subordinations and high wealth customers,average pipeline 45 loans, achieve critical processing milestone to ensure loans close on schedule andwithin rate lock date
  • Consolidated all loan documentation including credit reports, income, assets, appraisals and entering feesto ensure complete underwriting requirements for closing
  • Ordering updated document when required.

Senior Loan Processing Analyst

PNC Bank
01.2017 - 01.2020
  • Manage customer experience throughout the origination process
  • Ensuring compliance with established policiesand procedures
  • Partner with internal and/or external partners to route communications, documents, or other actionitems to complete transactions
  • Identifies and address exceptions; escalates appropriately
  • Excellent Customer Service, Accuracy and Attention to Detail, Decision Making and Critical Thinking,
  • Effective Communications, Flexibility and Adaptability
  • Coached borrowers through the mortgage process
  • Knowledge of major functional processes andassociated operating requirements, applying this knowledge appropriately to diverse situations
  • (Purchase,refinance, FHA, VA, Rural Development and HARP customers)
  • Consolidated all loan documentation including credit reports, income, assets, Appraisals and entering feesto ensure complete underwriting requirements for closing
  • Achieved critical process milestones to ensure loans close on schedule with mixed pipeline.

Personal Mortgage Processor

Citibank
01.2012 - 01.2017
  • Administered the mortgage process from pre-approval to closing
  • Excellent Customer Service –internal and external – Act as liaison between Client, Sales and
  • Underwriting - exercising a high level of confidentiality
  • Coached borrowers through the mortgage process (purchase, relocation, refinance, and HARP customers)
  • Consolidated all loan documentation into complete underwriting requirements for closing
  • Achieved critical process milestones to ensure loans closed on schedule, average pipeline 60.

HR Specialist - HR Service Delivery

01.2011 - 01.2012
  • Provide HR Service delivery support regarding compensation, benefits, and performance tracking
  • Identify,recommend and work to implement creative solutions that leverage technology
  • Apply HR practices, policies andprocesses to complex issues and initiatives
  • Assisted Customer(s) within North American Consumer Banking on any HR related issue through in-depth research and analysis that further imbed compliance principles in daily work
  • Assist HR Generalists, Employee Relations, managers and employees regarding policies and practicesthrough daily interaction
  • Strong analytical and problem skills
  • Able to review data, recognize trends and anomalies and offersolutions
  • Excellent Customer Service – Consultative and influencing skills to interact with various levels ofmanagement and ability to develop a respected relationship with the client group(s).

Accounting Specialist

Prime Source Accounting
01.2006 - 01.2009
  • Office Management - provided clients with financial and administrative support both onsite and off-site
  • Responsible for payroll processing, reconciliations, cash receipts, disbursements, billing, invoicing,purchase order, inventory verification, chargebacks, and daily bank deposits
  • Establish and maintained Human Resource-related employee files reflecting salary, deductions,garnishments, benefits, payroll exceptions and W-2 withholdings - exercising a high level ofconfidentiality
  • Insurance Audits
  • Annual License Renewals
  • Project Management
  • Home with Children

Electronic Data Systems, EDS
01.1995 - 01.2005

Service Relations Supervisor

01.1989 - 01.1994
  • Maintained HR administration of 32 off-site Consumer Relations Managers
  • Hiring, salary reviews, performance appraisals and career development
  • Daily corporate customer collaborations requiring management/customer relation's facilitation
  • Calculated, compiled, and monitored account financials including monthly/yearly budget, P&L tracking,customer invoicing, relocation, and expense report tracking.

Education

Proficient with Microsoft Office -

Taylor Business InstituteCounty College of Morris

Skills

  • Escrow Account Management
  • VA and FHA Loan Processing
  • Application Process Management
  • Automated Underwriting Systems
  • Analytical and Critical Thinking

Timeline

Loan Processor III, Retail

LoanDepot
01.2021 - Current

Loan Processing Analyst

TIAA Bank
01.2020 - 01.2021

Senior Loan Processing Analyst

PNC Bank
01.2017 - 01.2020

Personal Mortgage Processor

Citibank
01.2012 - 01.2017

HR Specialist - HR Service Delivery

01.2011 - 01.2012

Accounting Specialist

Prime Source Accounting
01.2006 - 01.2009

Electronic Data Systems, EDS
01.1995 - 01.2005

Service Relations Supervisor

01.1989 - 01.1994

Proficient with Microsoft Office -

Taylor Business InstituteCounty College of Morris

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LYNN-MARIE TSURUMOTO