Marlon Livers
Carrington Mortgage
Jacksonville,FL
23
years of professional experience
Result-oriented Mortgage Professional experienced in loan processing, underwriting, and compliance. Achieved efficiency in managing full loan cycle and ensuring compliance with federal and state regulations through strong analytical skills and attention to detail. Focused on optimizing team performance and fostering lasting client relationships.
Work History
Senior Mortgage Loan Processor
9 Months- Reviewed and analyzed mortgage applications for accuracy and compliance with regulatory standards.
- Coordinated with underwriters to expedite loan processing and resolve issues efficiently.
- Implemented process improvements that reduced cycle times for loan approvals significantly.
- Mentored junior processors, enhancing team performance and knowledge-sharing initiatives.
- Ensured timely communication with clients, providing updates on application status and requirements.
- Evaluated borrower creditworthiness through detailed financial analysis and documentation review.
- Maintained comprehensive records of loan files to ensure compliance with internal audits and reviews.
Associate Underwriter / Loan Processor
3 Years 2 Months- Underwrote mortgage loan files from application through final decision, ensuring compliance with company, investor, and agency guidelines and maintaining integrity of each loan package.
- Collected, verified, and thoroughly analyzed borrower documentation, including credit history, income, assets, and collateral to accurately determine creditworthiness and ensure files meet eligibility standards for approval.
- Rendered underwriting decisions (approve, suspend, or decline) with comprehensive documentation and justification in accordance with Fannie Mae, Freddie Mac, FHA, VA, USDA, and internal company standards.
- Ensured strict adherence to federal and state regulations, including RESPA, TRID, ECOA, and HMDA requirements, while collaborating with loan officers and closing teams to resolve conditions, exceptions, and complex loan scenarios.
- Managed pipeline to meet service-level agreements and closing deadlines, conducting quality control checks on loan files to minimize errors and enhance approval accuracy.
Loan Processor / Operations Manager
1 Year- Oversaw daily operations of mortgage processing department, managing workflow distribution, pipeline oversight, and loan file quality to ensure efficient processing and timely closings across all mortgage products.
- Collaborated closely with underwriters, loan officers, and closing teams to resolve conditions, clear stipulations, and move files seamlessly through the pipeline, while serving as escalation point for complex loan scenarios requiring specialized solutions.
- Oversaw daily operations of the mortgage processing department, managing workflow distribution, pipeline oversight, and loan file quality to ensure efficient processing and timely closings across all mortgage products.
- Supervised and trained processing staff, guiding compliance standards, documentation accuracy, and system usage, while implementing operational improvements to streamline workflows and enhance borrower and partner experiences.
- Monitored pipeline reports and performance metrics to ensure achievement of company goals and service-level agreements, partnering with leadership on compliance audits and quality control initiatives to maintain loan quality.
Senior Loan Processor
6 Years 6 Months- Assisted loan officers with the completion of 1003 applications and managed the full loan processing cycle, ensuring files were complete, accurate, and ready for underwriting review.
- Reviewed borrower income, credit, and asset documentation in detail while securing additional client documents, ensuring full compliance with underwriting guidelines and investor requirements.
- Ordered and tracked third-party verifications, including appraisals, titles, employment verifications, Fraud Guard, rental history checks, credit reports, supplements, FHA/VA case numbers, and IRS tax transcripts, to facilitate timely loan approvals.
- Exceeded production goals and quality service-level agreements by maintaining strong organizational practices and effectively managing multiple loan files within deadlines.
- Served as primary point of contact for borrowers, realtors, and title companies, resolving issues throughout mortgage process and fostering long-term client relationships through exceptional customer service.
Senior Loan Processor
5 Months- Reviewed financial statements and clarified discrepancies with customers, managing loan pipeline in accordance with performance standards and timelines.
- Assisted customers with inquiries on mortgage products and processes, collecting and verifying information to guide them through each stage of the mortgage process.
- Ordered appraisals, titles, and third-party services for loan approval, coordinating with appraisal and title companies to ensure timely, accurate documentation.
- Collaborated with internal teams and external partners to address borrower needs while maintaining efficiency and compliance with investor and regulatory requirements.
- Maintained strict confidentiality of all borrower documentation and financial information, always adhering to compliance regulations and release guidelines.
Processing Supervisor / Senior Loan Processor
1 Year 11 Months- Reviewed and verified documentation received from loan officers for completeness, collaborating with borrowers and stakeholders to ensure loan eligibility and compliance with program requirements.
- Reviewed and verified documentation received from loan officers for completeness, obtaining additional details from borrowers and other stakeholders to ensure loan eligibility and compliance with program requirements.
- Assisted the Branch Manager with daily operations while supervising processing staff, reviewing reports, and training processors on new mortgage products, compliance standards, and process improvements.
- Served as primary liaison for borrowers, real estate agents, title companies, and third-party vendors, facilitating communication and timely resolution of issues.
- Established borrower expectations by clearly explaining requirements and timelines, upholding quality standards and consistently meeting turnaround times for application packages and trailing documents.
Loan Processing Supervisor
2 Years 1 Month- Supervised daily operations of processors and team leads, providing leadership, mentoring, coaching, and performance evaluations, collaborating with HR to enhance staffing and development.
- Established and executed quality control processes, focusing on functionality, accuracy, and compliance, while driving process improvements through team management, efficiency strategies, and knowledge sharing.
- Conducted performance reviews and prepared goal-setting reports to support Processing Manager in implementing business initiatives and process changes.
- Built and maintained internal and external partnerships to expand client base and strengthen business relationships supporting company’s long-term growth.
1st Mortgage Loan Processor
8 Years 4 Months- Reviewed borrower income documentation to assess eligibility, ensuring compliance with underwriting guidelines and maintaining high levels of accuracy throughout the loan process.
- Advocated for customers by responding to multi-line calls and emails, identifying borrower needs, resolving issues, and supporting home financing process.
- Collaborated with cross-functional departments to improve loan processing experience through clear communication and high-quality customer service.
- Partnered with customers, real estate agents, and financial advisors to streamline transactions, resolve complex issues, and facilitate smooth loan processing from application to closing.
Education
Skills
Loan Processing
Mortgage Underwriting
Regulatory Compliance
Pipeline Management
Quality Control
Document Verification
Risk Assessment
Financial Analysis
Credit Evaluation
Compliance Auditing
Workflow Optimization
Team Supervision
Staff Training
Performance Monitoring
Deadline Management
Problem Resolution
Cross-Functional Collaboration
Relationship Management
MS Office Suite
Effective client communication
Interdepartmental collaboration
Efficient workflow management
Timeline
Senior Mortgage Loan Processor
Carrington Mortgage
11.2025 - CurrentRead More
Associate Underwriter / Loan Processor
Rate Mortgage
09.2022 - 11.2025Read More
Loan Processor / Operations Manager
Fiber Mortgage
09.2022 - 09.2023Read More
Senior Loan Processor
Finance of America Mortgage / Equity Prime Mortgage
03.2016 - 09.2022Read More
Senior Loan Processor
Freedom Mortgage
10.2015 - 03.2016Read More
Processing Supervisor / Senior Loan Processor
FEMBI / Highlands Mortgage
11.2013 - 10.2015Read More
Loan Processing Supervisor
EverBank
09.2011 - 10.2013Read More
1st Mortgage Loan Processor
PHH Mortgage
05.2003 - 09.2011Read More
Terry Parker High School / Florida A&M University
Read More