Melinda Harrell
Summary
At Navy Federal Credit Union, I enhance loan processing efficiency and customer satisfaction by prioritizing client needs and collaborating with underwriters, leveraging my strong communication skills and mortgage regulations proficiency. Achieve a notable increase in productivity through meticulous document review and adherence to compliance standards.
Overview
3
3
years of professional experience
1
1
Certification
Work History
Mortgage Processor II
Navy Federal Credit Union-Heritage Oaks
07.2021 - Current
- Optimize workflow efficiency by prioritizing tasks based on client needs and deadlines, ensuring timely completion of loans.
- Collaborate closely with underwriters to expedite loan approvals, resulting in increased productivity.
- Reduce loan application processing time by diligently reviewing and verifying applicant information.
- Set up and complete loan submission packages.
- Enhance customer experience by proactively addressing potential issues during the application process, resulting in increased client satisfaction and referrals.
- Maintain compliance with industry regulations through vigilant adherence to guidelines and ongoing training.
- Prevent costly errors by consistently updating knowledge of federal, state, and local laws governing mortgage lending practices.
- Facilitate a positive work environment within the mortgage processing team through active participation in meetings and collaborative problem-solving sessions.
- Improve customer satisfaction rates with prompt communication and thorough explanations of loan processes.
- Ensure seamless handover of approved loans to the closing department by providing complete and accurate documentation packages.
- Ensure accuracy of loan documentation, meticulously cross-checking figures and calculations before submission for approval.
- Collaborate with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Analyze borrower credit reports and income statements to verify accuracy.
- Prepare file for final clear-to-close by branch management.
- Communicate with originator and applicant concerning progress of loan file.
- Uphold complete confidentiality of all submitted information according to release guidelines.
- Coordinate closing process with attorneys, title companies, and government clerks.
Mortgage Loan Processor Assistant
Navy Federal Credit Union
07.2021 - 04.2022
- Optimized workflow efficiency by prioritizing tasks based on client needs and deadlines, ensuring timely completion of loans.
- Maintained compliance with industry regulations through vigilant adherence to guidelines and ongoing training.
- Facilitated a positive work environment within the mortgage processing team through active participation in meetings and collaborative problem-solving sessions.
- Created strong working relationships with advisors, assistants and support staff.
- Received on-going, comprehensive training on home loan products and mortgage process.
Education
Cosmetology - Cosmetology
Pensacola State College
Pensacola, FL07.2006
GED -
Pensacola State College
Pensacola, FL05.2003
Skills
- Strong Communication Skills
- Collaboration and Teamwork
- Professionalism and Ethics
- Fraud Detection Capabilities
- Conflict resolution techniques
- Document Review Competence
- Mortgage Regulations Proficiency
- Credit Evaluation Expertise
- Processing procedures
- Document Review
- Pipeline Management
- Financial document review
- Policy Adherence
- Information Verification
- Legal Compliance
- Problem-Solving
- Mortgage Loan Processing
- Desktop Underwriter
Certification
NMLS Licensed
Timeline
Mortgage Processor II
Navy Federal Credit Union-Heritage Oaks
07.2021 - Current
Mortgage Loan Processor Assistant
Navy Federal Credit Union
07.2021 - 04.2022
Cosmetology - Cosmetology
Pensacola State College
GED -
Pensacola State College