Misty Bonney
Palmetto,FL
Summary
Experienced Mortgage Loan Processor with over 15 years of expertise in processing both government and conventional loans. Highly skilled in income and asset analysis, credit evaluation, and underwriting compliance to ensure accurate loan documentation and timely processing. Proficient in utilizing Encompass LOS, DU, LP, and other industry-standard systems to streamline workflow and ensure seamless loan approvals.
Known for strong attention to detail, time management skills, and the ability to prioritize tasks to meet tight deadlines. Demonstrates excellent communication, problem-solving, and customer service skills, consistently delivering an outstanding borrower experience. Proven ability to collaborate with loan officers, and underwriters to ensure timely closings while maintaining full regulatory compliance. Passionate about helping borrowers navigate the mortgage process with confidence and providing top-tier service.
Overview
14
14
years of professional experience
Work History
Senior Loan Processor
M/I Homes
01.2023 - Current
- Reviewed and verified loan applications for accuracy, completeness, and compliance with FHA, VA, USDA, and conventional loan requirements
- Managed a high-volume pipeline of 100+ active loans, effectively prioritizing and multitasking to meet closing deadlines
- Achieved a 95% first-pass underwriting approval rate by ensuring thorough due diligence and accurate loan file submissions
- Consistently achieved a 96% customer satisfaction rating through clear communication, timely updates, and proactive issue resolution, ensuring a seamless and stress-free loan process for borrowers
- Issued loan commitments based on pre-underwriting files, ensuring compliance with underwriting standards and accelerating the approval process
Senior Loan Processor
Finance of America
01.2022 - 01.2023
- Processed an average of 20–25 residential loan applications per month, including FHA, VA, USDA, and conventional loans
- Utilized Encompass LOS, Calyx Point, DU, LP, and other loan origination systems to process loans efficiently
- Analyzed borrower financials, including income, assets, tax returns, and credit reports, ensuring 95% accuracy in loan documentation
- Ensured 100% compliance with TRID, RESPA, CFPB, and HMDA regulations, reducing audit risks and maintaining lender integrity
- Delivered exceptional customer service, guiding borrowers through the loan process and addressing concerns proactively
Senior Loan Processor
NFM Lending
01.2019 - 01.2022
- Chosen to complete Conditions Specialist training, gaining the ability to underwrite and sign off on various loan conditions and conventional appraisals, which enhanced processing efficiency
- Verified borrower eligibility and ensured loan packages met investor and underwriting guidelines
- Awarded for excellence in communication and meeting service level agreements (SLAs), consistently exceeding performance expectations and delivering top-tier customer service
- Reviewed and submitted loan applications through AUS systems, including Desktop Underwriter (DU) and Loan Product Advisor (LP)
- Conducted follow-ups with borrowers and third parties to obtain missing documentation
Senior Loan Processor/Team Lead Processing Team Manager
Loan Simple Inc
01.2015 - 01.2019
- Supported processors by overseeing individual pipelines and effectively managing escalations, ensuring timely resolution and smooth workflow
- Generated pipeline reports to track progress and ensure loans were closed within established turnaround times
- Reduced loan processing time by 25% by implementing workflow improvements and optimizing Encompass LOS for document tracking and communication
- Collaborated with Loan Officers to deliver timely and accurate service to clients, ensuring a seamless experience throughout the entire mortgage process
- Ensured loan files were processed within established turnaround times, achieving a 98% on-time completion rate to meet closing deadlines
Senior Loan Processor/Team Leader
Home Ownership for Life
01.2011 - 01.2015
- Delivered loan processing training to new hires and led ongoing training sessions for existing employees, ensuring consistent skill development and improved team performance
- Provided timely status updates to all parties and addressed borrower inquiries, improving borrower satisfaction
- Collaborated with Real Estate agents, title companies, appraisers, and insurance agents
- Ensure compliance with TRID, RESPA, CFPB, and HMDA regulations to mitigate risks
Education
GED -
Thornton High School
01.1988
Multi- Family Underwriting & Processing- Conventional Loans, Multi- Family Underwriting & Processing- FHA/VA Loans, Mortgage Underwriting 101, Mortgage Underwriting Advanced
National Association of Mortgage Processor Training
01.2022
Skills
- Financial Document Review and Verification
- Employment and asset verification
- Managing loan conditions and investor requirements
- Customer Service and Borrower Communication
- Appraisal and Property Valuation Review
- Multitasking and prioritization
- Knowledge of FHA, VA, Conventional, and USDA Loans
- Pipeline Management and Organization
- Encompass, Calyx Point, and LOS Software
- Microsoft Office Suite (Excel, Word, Outlook)
- Business Tax Return Analysis: Adaptability and Quick Thinking
- Automated Underwriting Systems
- Loan underwriting
- Problem-Solving and Critical Thinking
- Working with first-time home buyers
- Escrow and Title Coordination
- Team-oriented specialist
- Problem-Solving and Conflict Resolution
- Multi-tasking and time management
- Collaboration with Loan Officers & Underwriters
- Regulatory Compliance and Loan Guidelines
- Accuracy and attention to detail
- Active Listening and Communication
Personal Information
Title: Mortgage Loan Processor
References
References available upon request.
Timeline
Senior Loan Processor
M/I Homes
01.2023 - Current
Senior Loan Processor
Finance of America
01.2022 - 01.2023
Senior Loan Processor
NFM Lending
01.2019 - 01.2022
Senior Loan Processor/Team Lead Processing Team Manager
Loan Simple Inc
01.2015 - 01.2019
Senior Loan Processor/Team Leader
Home Ownership for Life
01.2011 - 01.2015
GED -
Thornton High School
Multi- Family Underwriting & Processing- Conventional Loans, Multi- Family Underwriting & Processing- FHA/VA Loans, Mortgage Underwriting 101, Mortgage Underwriting Advanced
National Association of Mortgage Processor Training
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