Mandy Ryan
Cypress
Summary
Results-driven loan processing professional with expertise in managing high-volume pipelines and ensuring accuracy in documentation. Proven ability to communicate effectively with clients and loan partners, expediting processes for timely loan approvals.
Overview
19
19
years of professional experience
Work History
Sr. Loan Processor
CrossCountry Mortgage
Houston, TX
01.2024 - 05.2026
- Monitored the processing of loan files from start to finish.
- Reviewed loan applications for accuracy and compliance with regulatory guidelines.
- Analyzed financial documents to assess borrower creditworthiness and eligibility for mortgage products.
- Communication with clients, underwriters, Loan Officers and real estate agents to expedite the processing of a loan file.
- Trained processing staff on workflow procedures and best practices in loan processing.
- Managed a processing team, reviewed pipeline reports, new file assignments, and provided team support where needed.
- Detailed Oriented.
- Provided guidance on complex loan scenarios, facilitating resolutions to expedite approvals.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Provided quick turnaround times to maintain fast and efficient schedule.
- Expedited funding process by closely collaborating with closing agents to resolve any outstanding issues promptly.
- Worked with borrowers via e-mail and telephone to answer questions, explain the loan process, collect conditions, and resolve any concerns.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Coordinated closing process with title companies, Real Estate Agents, Borrowers and Loan Officers.
- Completed Set up tasks such as ordering appraisals, flood certs, title work orders, address verification, ordering verifications of employment, payoffs, etc to prepare loan files for submission to processing.
- Proficient in refinances and purchase loans as well as CONV, VA and FHA loans.
- Proficient using Encompass, Word, Excell and Teams.
- Utilized mortgage software systems for efficient data management and reporting functions.
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
Processing Manager
AmCap Mortgage
Houston, TX
07.2014 - 01.2024
- Managed loan processing team to ensure timely and accurate application evaluations.
- Ensured smooth transitions during the loan processing lifecycle by maintaining open communication with all relevant stakeholders, including borrowers, underwriters, and closing agents.
- Developed strong relationships with clients by providing timely communication and expert guidance throughout the loan process.
- Managed a large pipeline of loans, ensuring prompt processing and approval for clients across various loan types.
- Oversaw team performance, providing mentorship, training to enhance productivity and compliance, help streamlined workflow and reduced processing times significantly.
- Collaborated with underwriting teams to resolve discrepancies and facilitate efficient loan approvals.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Reviewed and verified loan applications for compliance with regulations and company policies.
- Managed documentation flow, ensuring timely submission of mortgage files to underwriting.
- Analyzed credit reports and financial statements to assess borrower eligibility and risk levels.
- Trained junior processors on industry best practices and company software tools for efficiency improvement.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both purchase loans and refinances.
- Processed loan applications and monitored progress from start to finish.
- Handled any conditions sent from underwriting departments.
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
- Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
- Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
- Ensured compliance with federal lending regulations through meticulous attention to detail during the loan processing phase.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Expedited mortgage approval times by proactively resolving any discrepancies in borrower documentation.
- Set up and completed loan submission packages.
- Ensured data integrity, meticulously entering loan information into database and updating records as necessary.
- Achieved high levels of accuracy in document processing, double-checking details against application requirements.
- Proficient in Purchase and refinance loans as well as CONV, VA and FHA loan programs.
Mortgage Loan Processor
Chase Bank
Houston, TX
06.2007 - 07.2014
- Coordinated communication between borrowers, lenders, and third-party vendors to streamline processes.
- Worked efficiently to reduced turnaround time for loan approvals by optimizing workflows.
- Reviewed loan files for accuracy in loan documentation and adherence to company policy and regulations.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Prepared file for final clear-to-close.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Communicated with originator and applicant concerning progress of loan file.
- Enhanced client satisfaction by providing timely updates on their mortgage loan status and addressing concerns promptly.
- Proficient in Purchase loans and refinances, as well as CONV, VA and FHA loan programs.
Education
High School Diploma -
Cy-Fair High School
Cypress1995
Skills
- Loan processing proficiency
- Processing procedures
- Strong attention to detail
- Clear communication
- Effective time management
- Decision-making confidence
- Documentation review
- Information verification
- Proficient in Encompass
- Dedicated work ethic
- Data entry
- Deadline management
- File management
Timeline
Sr. Loan Processor
CrossCountry Mortgage
01.2024 - 05.2026
Processing Manager
AmCap Mortgage
07.2014 - 01.2024
Mortgage Loan Processor
Chase Bank
06.2007 - 07.2014
High School Diploma -
Cy-Fair High School