Michele Sambol
Basehor,KS
Summary
Efficient Mortgage Processor with comprehensive knowledge of loan origination and closing procedures. Familiarity with compliance regulations and financial principles, coupled with solid computer skills, enhances productivity. Demonstrated strengths in maintaining high levels of accuracy and quality under tight deadlines while ensuring customer satisfaction. Previous roles have resulted in streamlined processing systems and improved client relationships.
Overview
24
24
years of professional experience
Work History
Mortgage Processor III
Community America Credit Union
Overland Park, Kansas
04.2017 - 09.2024
- Reviewed loan applications and supporting documentation to ensure accuracy of data.
- Verified income, assets, credit reports, title insurance policies and appraisals for each loan file.
- Calculated debt-to-income ratios, loan-to-value ratios, and other applicable percentages.
- Validated borrower's information against credit bureaus as well as other financial institutions.
- Maintained communication with borrowers to ensure timely submission of required documents.
- Researched and resolved discrepancies related to the loan application process.
- Ensured compliance with federal regulations such as RESPA, Truth in Lending Act, Home Mortgage Disclosure Act and Anti-Money Laundering laws.
- Provided guidance to customers regarding mortgage products and procedures.
- Coordinated with third party vendors such as title companies, appraisers, surveyors.
Loan Administrative Assistant
Security Bank of Kansas City
Kansas City, KS
05.2007 - 03.2017
- Prepared loan packages for processing, including reviewing documents for accuracy and completeness.
- Answered incoming calls regarding loan inquiries and provided information to customers.
- Provided administrative support to the Loan Department by preparing reports, responding to emails, filing paperwork, and maintaining records.
- Maintained updated knowledge of lending regulations to ensure compliance with all applicable laws and regulations.
- Assisted in resolving customer complaints related to loans or loan servicing issues.
- Communicated effectively with lenders, brokers, processors, attorneys, title companies., throughout the entire loan process.
Sr Escrow Closer - Team Lead
Nations Lending Services
Overland Park, Kansas
01.2003 - 08.2006
- Identified potential issues in escrow instructions to ensure compliance with state regulations.
- Assisted customers with questions regarding their escrow accounts or closing process.
- Processed title insurance policies and issued commitments for title insurance coverage.
- Generated reports summarizing activity related to escrow closings and disbursements.
- Resolved any discrepancies between buyer and seller expectations prior to closing date.
- Cultivated and strengthened productive relationships with customers and professionals like lawyers and lenders.
- Exchanged title-related information with realtors and lending personnel.
Loan Assistant
First State Bank and Trust
Basehor, KS
09.2000 - 12.2002
- Evaluated loan applications and supporting documents to determine creditworthiness of applicants.
- Assisted customers with loan-related inquiries and requests for information or documentation.
- Reviewed credit reports to verify accuracy of information reported by credit bureaus.
- Answered customer phone calls regarding loan status, payment schedules, and other general inquiries.
- Established strong relationships with clients through frequent communication about their accounts.
Education
Associate of Science - Journalism
Kansas City Kansas Community College
Kansas City, KS05-1988
Skills
- Collaboration and Teamwork
- Loan processing expertise
- Preparing applications
- Title Examination
- Application preparation
- Contract finalization
- Verifying information
- Gathering appraisals
Timeline
Mortgage Processor III
Community America Credit Union
04.2017 - 09.2024
Loan Administrative Assistant
Security Bank of Kansas City
05.2007 - 03.2017
Sr Escrow Closer - Team Lead
Nations Lending Services
01.2003 - 08.2006
Loan Assistant
First State Bank and Trust
09.2000 - 12.2002
Associate of Science - Journalism
Kansas City Kansas Community College