Summary
Overview
Work History
Timeline
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Michelle Ruble

Crownpoint,IN

Summary

Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.

Overview

25
25
years of professional experience

Work History

Senior Mortgage Loan Processor

USA Mortgage
01.2021 - 10.2022
  • Handled any conditions sent from underwriting departments.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Worked with customers via telephone to answer questions, process transactions, and resolve issues.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Analyzed borrower credit reports and income statements to verify accuracy.
  • Encompass
  • Set up and completed loan submission packages.
  • Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
  • Verified credit histories, personal references and employment backgrounds for each applicant.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Affirmed loan document accuracy to protect lenders from potential fraud.

Senior Mortgage Loan Processor

Crosscountry Mortgage Inc
03.2017 - 01.2021
  • Handled any conditions sent from underwriting departments.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Worked with customers via telephone to answer questions, process transactions, and resolve issues.
  • Set up and completed loan submission packages.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Analyzed borrower credit reports and income statements to verify accuracy.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
  • Reviewed and validated details of loan applications and closing documentation.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.

Mortgage Loan Processor

Integrity Mortgage
07.2014 - 12.2016
  • Handled any conditions sent from underwriting departments.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Worked with customers via telephone to answer questions, process transactions, and resolve issues.
  • Set up and completed loan submission packages.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Analyzed borrower credit reports and income statements to verify accuracy.
  • Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
  • Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
  • Affirmed loan document accuracy to protect lenders from potential fraud.
  • Set up, stored and updated customer files, department records and regulatory paperwork.

Timeline

Senior Mortgage Loan Processor

USA Mortgage
01.2021 - 10.2022

Senior Mortgage Loan Processor

Crosscountry Mortgage Inc
03.2017 - 01.2021

Mortgage Loan Processor

Integrity Mortgage
07.2014 - 12.2016

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Michelle Ruble