Summary
Overview
Work History
Education
Skills
Timeline
Generic

Megan Ross

Vero Beach,FL

Summary

Multi-talented loan processing professional versed in customer service and bank standards. Excellent communicator and decision-maker with a strong eye for detail and a proactive nature.

Overview

23
23
years of professional experience

Work History

Mortgage Loan Processor

Future Home Loans
Melbourne, FL
01.2023 - 08.2023
  • Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
  • Managed conditions sent from underwriting departments.
  • Inspected loan documentation for mistakes and corrected discrepancies.
  • Checked approvals against established bank and government lending standards.
  • Maintained complete confidentiality of submitted information according to release guidelines.
  • Upheld compliance with privacy and security requirements, as well as federal statutes covering VA loans.
  • Ordered property insurance or mortgage insurance policies to protect against loss on mortgaged property.
  • Reviewed and corrected errors on interest, principal and closing costs.

Mortgage Loan Processor

Caliber Home Loans
Vero Beach, FL
10.2017 - 09.2022
  • Scanned and uploaded loan and related documents into system.
  • Worked with third-party vendors to address and clear loan closing requirements.
  • Assembled and compiled documents for loan closings.
  • Ordered property insurance or mortgage insurance policies to protect against loss on mortgaged property.
  • Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
  • Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
  • Managed conditions sent from underwriting departments.
  • Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Inspected loan documentation for mistakes and corrected discrepancies.
  • Contacted outside sources, references and vendors to verify client financial information.
  • Gathered property appraisals, surveys and tax records to update mortgage loan files.
  • Created and completed loan submission packages.
  • Completed closing process by collaborating with attorneys, title companies and government clerks.
  • Checked approvals against established bank and government lending standards.
  • Evaluated and adjusted loan files to meet banking, federal and secondary market regulations.
  • Managed loan application pipeline by completing and submitting reports within allotted turn-around times.

Officer Manager

Bailey's Medical Equipment & Supplies
Vero Beach, FL
2014 - 2016
  • Resolved billing issues by applying knowledge and completing in-depth research.
  • Managed billing calendar and scheduled claims for payments.
  • Helped customers to bring accounts into good standing by implementing payment plans.
  • Built high-performance team by collaborating with new members on procedural, administrative, collections and compliance areas.
  • Conducted insurance verification and pre-authorization, coded procedures and managed patient charts.
  • Created and updated financial reports on frequent basis to present information to leadership teams.
  • Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
  • Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.
  • Managed relationships with tax authorities, bankers and auditors.

Office Manager /Chiropractic Assistant

Parris Family Chiropractic
Vero Beach, FL
2009 - 2014
  • Scheduled and coordinated meetings, appointments and travel arrangements for managers or supervisors.
  • Coordinated office activities and operations to secure efficiency and compliance with company policies.
  • Monitored payments due from clients and promptly contacted clients with past due payments.
  • Reviewed files and records to obtain information and respond to requests.
  • Used judgment and initiative in handling confidential matters and requests.
  • Managed office inventory and placed new supply orders.
  • Oversaw receiving and organizing correspondence, answering and forwarding calls and creating business letters and records.
  • Maintained impeccable office organization to support efficiency, professionalism and performance objectives.

Mortgage Loan Processor

All American Mortgage Lenders
Vero Beach, FL
2005 - 2009
  • Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
  • Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Inspected loan documentation for mistakes and corrected discrepancies.
  • Evaluated and adjusted loan files to meet banking, federal and secondary market regulations.
  • Created and completed loan submission packages.
  • Assisted clients with developing loan repayment plans and budgets.
  • Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
  • Filed completed packages quickly and efficiently.
  • Educated clients regarding guidelines and adjustments of loan contracts and packages.

Mortgage Loan Officer Assistant

Harbor Federal
Fort Pierce, FL
1999 - 2005
  • Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
  • Contacted previous clients to verify satisfaction with process and service and to offer additional support and wrote personal thank you notes to clients and listing agents.
  • Monitored purchase loans for due diligence, financed contingency and closing date expiration and tracked pipeline for refinances.
  • Generated estimates clients requested, sent pre-approval letters to agents and confirmed receipt of verification of employment documentation.
  • Performed administrative tasks such as creating status reports on loans in progress, photocopying loan documents, printing daily mortgage rate sheets and answering phones.
  • Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises.
  • Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments and executed detailed follow-up through closing to verify completed requirements.
  • Liaised between borrowers and realtors, title companies and loan company management.
  • Set and confirmed appointments with clients, realtors and business partners and initiated marketing contact with new leads and realtors.
  • Checked applicant credit, personal references and employment histories.
  • Scanned and uploaded loan and related documents into system.
  • Filed and maintained loan records.
  • Prepared and delivered loan documents to title and escrow teams.

Education

Associate of Arts - Business

Indian River State College
Fort Pierce
05.2006

Skills

  • Verifying Information
  • Customer Service
  • Problem-Solving
  • Financial Document Review

Timeline

Mortgage Loan Processor

Future Home Loans
01.2023 - 08.2023

Mortgage Loan Processor

Caliber Home Loans
10.2017 - 09.2022

Officer Manager

Bailey's Medical Equipment & Supplies
2014 - 2016

Office Manager /Chiropractic Assistant

Parris Family Chiropractic
2009 - 2014

Mortgage Loan Processor

All American Mortgage Lenders
2005 - 2009

Mortgage Loan Officer Assistant

Harbor Federal
1999 - 2005

Associate of Arts - Business

Indian River State College

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