Melodie Napiorski
Wilmington,DE
Summary
Currently, I work with four senior mortgage consultants as an efficient senior mortgage consultant assistant. I am very detail-oriented and have been recognized for productivity in task completion, and I am adept at managing multiple deadlines. I am skilled in loan processing software, regulatory compliance, and customer service, ensuring smooth loan application processes. Excel in communication, problem-solving, and time management to enhance team performance and client satisfaction. Currently, on average, I am closing around 20 to 25 mortgage loans a month.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Senior Mortgage Consultant Assistant
Meridian Mortgage
Wilmington, DE
08.2019 - Current
- Over 20 years of working with Fannie Mae-DU, Freddie Mac LP, FHA Connection, and VA direct systems.
- Knowledge of PHFA, DSHA, and NJ Housing.
- Help clients obtain grants to purchase the house, and set them up for home counseling.
- Currently, I assist four mortgage loan officers with loan pre-qualifications by gathering and verifying customer financial information.
- Liaised between borrowers and realtors, title companies and loan company management.
- Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
- Evaluated potential risks associated with certain loan types prior to approval process.
- Answered questions and advised customers regarding loans and transactions.
- Contacted credit bureaus, employers and other sources to check applicants' credit and personal references.
- Monitored loan progress from application to closing, keeping all parties informed.
- Prepared complete packages to be sent to underwriting with a thorough understanding of each investor's stacking order and shipping.
- Identified and resolved issues that arose during the loan application process.
Senior Mortgage Consultant Assistant
Trident Mortgage Group
Devon, Penn
06.2003 - 08.2019
Education
Bachelor of Science -
Cabrini College
Radnor PA05-2003
Skills
- Encompass Mortgage Software
- Fannie Mae-DU, Freddie Mac LP
- FHA Connection
- State Bond Programs
- Portfolio loans, jumbo loans, asset-based loans
- Loan pre-qualifications
- Risk assessment
- Loan processing
- Customer service
- Document management
- Problem resolution
- Effective communication
- Regulatory compliance
- Multitasking
Certification
- NMLS approved #1426361
Timeline
Senior Mortgage Consultant Assistant
Meridian Mortgage
08.2019 - Current
Senior Mortgage Consultant Assistant
Trident Mortgage Group
06.2003 - 08.2019
Bachelor of Science -
Cabrini College
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