Marla Northcutt
San Diego,CA
Summary
Dedicated and loyal Loan Processor. Able to manage a pipeline of 30 plus loans monthly. Highly effective at coordinating documents and processes between departments and all parties included in a transaction. Positive Team Leader and problem solver with phenomenal organizational skills. Excellent communicator and decision-maker with a strong eye for detail and a proactive nature. Able to review credit, income, assets, collateral and determine borrowers eligibility per UW guidelines.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Branch Ops Mgr/Sr Loan Proc-RODRIGO BALLON TEAM
Crosscountry Mortgage Inc
San Diego, CA
11.2015 - 06.2023
- Implemented new operational procedures to enhance customer experience.
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Processed loan documents and ensured compliance with federal regulations.
- Communicated regularly with customers throughout the entire process from origination through closing.
- Assessed credit reports to determine eligibility for mortgage loans.
- Reviewed loan applications to determine borrower's creditworthiness and eligibility for mortgage loans.
- Managed a pipeline of 30+ loans per month, avg funding of 25 loans per month, managed processing team of 6, oversaw branch operations for 35 employees.
- Evaluated loans against portfolio and investor guidelines.
Senior Loan Processor-RODRIGO BALLON TEAM
CMG Financial
San Diego, CA
03.2012 - 11.2015
- JOB RESPONSIBILITIES WERE THE SAME AS CROSSCOUNTRY MORTGAGE. The Rodrigo Ballon Team switched platforms; same job but with a different company.
Senior Loan Processor-RODRIGO BALLON TEAM
PrimeLending
San Diego, CA
06.2010 - 03.2012
- JOB RESPONSIBILITIES WERE THE SAME AS CROSSCOUNTRY MORTGAGE. The Rodrigo Ballon Team switched platforms; same job but with a different company.
Sr Loan Proc/DE Certified UW-RODRIGO BALLON TEAM
Primary Residential Mortgage, Inc./Magnifund
San Marcos, CA
08.2008 - 06.2010
- JOB RESPONSIBILITIES WERE THE SAME AS CROSSCOUNTRY MORTGAGE. The Rodrigo Ballon Team switched platforms; same job but with a different company.
Education
High School Diploma -
Beaumont High School
Beaumont06-1996
Skills
- Email and telephone communications;
- type 55 words per minute with 100% accuracy
- Applications include but not limited to: Windows OS, Microsoft Outlook, Microsoft Word, Microsoft Excel, Datatrac, Calyx Point, Encompass, Blend, Desktop Originator, Desktop Underwriter, Loan Product Advisor, LexisNexis, MERS Assignment Control (MAC), Adobe Acrobat Pro and many other software applications within finance industry
- Manage a pipeline of 35 loans per month and fund on or before COE date
- Calculate income for w2 employees and self employed borrowers including 1040s, 1120s and 1065s
- Proficient with guidelines thru AllRegs, VA Pamphlet and FHA 4011 Able to prequal borrowers before sending to UW for review
- Review credit reports, assets, income, appraisals, title reports, insurance, HOA docs to determine any red flags for UW
- Self-motivated and able to maintain a positive friendly attitude even under high stress and pressure that is associated with managing a heave work load
Certification
- Previously FHA DE certified UnderwriterChums ID ET06
- Top Processor awardHighest number of loans funded for PrimeLending
- Processor for Rodrigo Ballonour team achieved the 5 Star Award Winner for 6 years
Accomplishments
- Top Processor awardHighest number of loans funded for PrimeLending and CMG.
- Direct Endorsed Processor Certificate from PrimeLending
- 5 Star Award Winner 6 different years was awarded to Rodrigo Ballon. I was the proud processor who worked on 100% of his loans and helped support him in achieving this award.
- Funded 79 loans in one month; 49 IRRRLs and 30 purchases (FHA, VA, Conv and Non-Conv/Jumbo)
- Consistently funded 20 million in loans on a monthly basis without any by backs or non-salable loans.
- Helped build the processes and procedures for Team Ballon from the very first loan funded in Sept of 2008 to a consistent amount of 25 loans per month and from two team members to 15 team members in 2023.
Timeline
Branch Ops Mgr/Sr Loan Proc-RODRIGO BALLON TEAM
Crosscountry Mortgage Inc
11.2015 - 06.2023
Senior Loan Processor-RODRIGO BALLON TEAM
CMG Financial
03.2012 - 11.2015
Senior Loan Processor-RODRIGO BALLON TEAM
PrimeLending
06.2010 - 03.2012
Sr Loan Proc/DE Certified UW-RODRIGO BALLON TEAM
Primary Residential Mortgage, Inc./Magnifund
08.2008 - 06.2010
High School Diploma -
Beaumont High School