Marta Phillips
Phoenix,AZ
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.
Overview
2026
2026
years of professional experience
Work History
Senior Loan Processor/ LOA / Processing Assistant
Bank of England- 10 Years
Mortgage Loan Processor
Quick Source Capital, LLC
10.2024 - 03.2025
- Worked directly with the Loan Officers to provide timely, accurate service for clients throughout entire process.
- Handled any conditions sent from underwriting departments.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Assisted in servicing the hard money loans, as well when needed.
Bilingual Loan Officer Assistant/ Loan Processor
Bank of England Mortgage
12.2023 - 03.2024
- Served as the primary contact and liaison between clients, branch manager, and assigned loan originator ,conducted meetings to coordinate any follow-up items
- Translated any necessary documents from Spanish to English
- Reviewed and calculated income
- Ordered third party verifications
- Set up the loan for underwriting review
- Coordinated and prepared documentation necessary for loan approval
- Reviewed underwriting conditions and collected the necessary documentation to clear the stipulations
- Prepared the loan for closing
- Coordinated with loan officers to optimize the pre-approval process, resulting in a smoother overall experience for clients.
Senior Corporate Loan Processor Level III
Bank of England Mortgage
04.2017 - 11.2023
- Reviewed files for completeness, comparing data entered in loan applications with actual documentation provided
- Ran automated underwriting systems (LP, DU, GUS, TOTAL), as applicable
- Reviewed documentation submitted by borrowers and third parties such as seller/builder, title/escrow, homeowners’ insurance, etc., and ensure documentation is acceptable and meets applicable guidelines or underwriting conditions
- Reviewed and calculate income with the documentation to ensure applicant qualifies
- Managed pipeline deadlines to ensure loans are submitted as critical milestones to meet purchase contract’s close of escrow deadlines
- Processed Conventional and Government Loans(FHA,VA,USDA), as well as Brokered Loans
- Trained new employees, when needed
- Translated for Spanish speaking clients, as well as translating documents from Spanish to English
- As a Level III Processor I was able to clear certain Underwriting Conditions
- Communicate verbally and electronically with internal and external parties applicable to the transaction, including but not limited to loan consultants, builder representatives, real estate agents, homebuyers, title/escrow agents, homeowners’ insurance agents, and others
- Completed Departmental and compliance training, as required
Corporate Loan Processor Assistant
Bank of England Mortgage
04.2016 - 04.2017
- Scrubbing Files, Ordering Title, Appraisal, HOI, Credit Supplement, 3rd Party Verification, VOE, Payoffs
- Completion of each task assigned without compromising on compliance or quality standards.
- Checked credit reports for accuracy and identified any discrepancies or issues that could affect the loan application process.
- Contributed to team success by proactively identifying areas of improvement within the mortgage processing workflow.
- Managed pipelines consistently, prioritizing tasks efficiently to meet tight deadlines without compromising quality or customer service levels.
- Supported senior Loan Processors by scheduling meetings, organizing paperwork, and tracking deadlines for multiple loans simultaneously.
Junior Loan Originator/ Processing Assistant
Bank of England Mortgage
05.2015 - 04.2016
- Assisted Senior Loan Officer in obtaining new business and maintaining relationships with borrowers, realtors, builders, financial planners and other referral sources
- Answered calls from lead sources, took full applications and qualified borrowers
- Assisted Senior Loan Officer in marketing to obtain new business
- Assisted Processor in obtaining approval conditions from borrowers
- Ordered verification of employment, as well as verification of deposits and rent
- Ordered title commitments and hazard insurance requests
- Kept in constant contact with borrowers, keeping them updated on their loan status
Loan Officer Assistant
Bank of England Mortgage
01.2014 - 05.2015
- Assist Loan Officer in developing and maintaining relationships with borrowers, realtors, builders, financial planners and other referral sources
- Liaison with processing department to obtain documentation necessary for loan approval
- Assist in evaluation possible loan scenarios and determine which financial products meet the borrower’s unique needs and financial situation
- Ensure all necessary disclosures (state, federal and company specific) are provided to the client as required
- Advised borrower on the functions of a real estate transaction if needed
Loan Officer Assistant
AmeriFirst Financial, Inc.
11.2012 - 08.2013
- Assist Loan Officer(s) in developing and maintaining relationships with borrowers, realtors, builders, financial planners and other referral sources
- Liaison with processing department to obtain documentation necessary for loan approval
- Met with borrowers to collect information regarding income, assets, debts, investments
- Assist in evaluation possible loan scenarios and determine which financial products meet the borrower’s unique needs and financial situation
- Ensure all necessary disclosures (state, federal and company specific) are provided to the client as required
- Advised borrower on the functions of a real estate transaction if needed
- Maintained informed of the changes relevant to the mortgage industry, including local housing trends, markets and interest rates
Director of Client Relations
Silverhawk Financial Services, Inc.
05.2011 - 02.2012
- Direct involvement in planning, developing and managing clients’ projects
- Managed client expectations in order to maintain successful relationships
- Responsible for the complete setup of domestic and foreign captive insurance companies
- Ensured all foreign and domestic captive insurance companies were in compliance with federal guidelines
- Handled all Internal Revenue Service document preparation
- Worked directly with the CPA and the outside Accounting Firm in conducting audits
- Gathered necessary data for the preparation of the clients’ five-year financial projections
- Assisted in establishing new business entities
Mortgage Loan Servicing Specialist
Bank of America
11.2010 - 04.2011
- Successfully supported the servicing of mortgage loans
- Processing of transactions, as well as documenting loan history
- Researching and or preparing documentation
- Analyzed requests in accordance with State and Federal loan guidelines
- Responsible for the relocation and posting of Homeowner’s funds
- Gathered data from different data bases and sources to pull several reports
- Created various reports and kept data current for several departments within the Home Loans Department
- Audited the processes of the Servicemember’s Civil Relief Act loans to ensure all Federal Guidelines were in compliance
- Effectively able to handle several loans and documents at once
- Proficient use of AS400, Urban Lending, Iportal and Home Saver for the servicing and research of mortgage loans
Real Estate Sales Associate/ Office Manager
Antigua Condominiums
02.2007 - 10.2010
- Formed relationships with buyers and agents to assist in the purchase and sale of new homes
- Effectively showed properties to potential buyers and agents; negotiated the sale; wrote up offers and purchase contracts; coordinated all transactions in the sale of a new home from beginning to closing
- Established relationships with Lending Companies as well as Title Companies; kept in close contact with loan officers and escrow officers to ensure all documents were received and in a timely manner
- Served as liaison between the HOA property management and the residents
- Successfully managed the Sales Office and ensured all aspects of the purchase contracts were met; coordinated all marketing for the office; met with Publishers and assisted with the ad copy and content of Antigua’s advertising; ensured all advertising deadlines were met
- Managed the maintenance staff; confirmed all work was completed on the new homes prior to the buyer taking possession
- Ensured all resident repair requests were completed
Education
Scottsdale School of Business and Real Estate
Scottsdale, AZReal Estate Professional
Scottsdale Community College
Scottsdale, AZBusiness Management
Arizona State University
Tempe, AZ01.1993
Skills
- 13 years experience working in the mortgage industry
- Bilingual- fluent in Spanish
- 10 years experience in the banking and financing industry
- 16 years experience in customer relations
- Sales and business professional with 10 years experience both in real estate sales and operations
- Results driven; met and exceeded goals set
- Relationship developer Prospected, cultivated, & developed relationships with clients, mortgage brokers, business developers, escrow officers, builders, HOA management, CPA Firms
Languages
Spanish
Full Professional
Timeline
Mortgage Loan Processor
Quick Source Capital, LLC
10.2024 - 03.2025
Bilingual Loan Officer Assistant/ Loan Processor
Bank of England Mortgage
12.2023 - 03.2024
Senior Corporate Loan Processor Level III
Bank of England Mortgage
04.2017 - 11.2023
Corporate Loan Processor Assistant
Bank of England Mortgage
04.2016 - 04.2017
Junior Loan Originator/ Processing Assistant
Bank of England Mortgage
05.2015 - 04.2016
Loan Officer Assistant
Bank of England Mortgage
01.2014 - 05.2015
Loan Officer Assistant
AmeriFirst Financial, Inc.
11.2012 - 08.2013
Director of Client Relations
Silverhawk Financial Services, Inc.
05.2011 - 02.2012
Mortgage Loan Servicing Specialist
Bank of America
11.2010 - 04.2011
Real Estate Sales Associate/ Office Manager
Antigua Condominiums
02.2007 - 10.2010
Real Estate Professional
Scottsdale Community College
Business Management
Arizona State University
Senior Loan Processor/ LOA / Processing Assistant
Bank of England- 10 Years
Scottsdale School of Business and Real Estate
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