Misty Bowman
Louisville,KY
Summary
Accomplished financial services professional with 17 years of experience in banking, mortgage lending, and credit union operations. Recognized for exceptional analytical skills, accuracy, and a strong collaborative approach. Highly proficient in customer service, loan processing, and compliance-driven documentation management. Known for delivering strategic solutions that improve workflows, support organizational goals, and enhance member experience.
Overview
17
17
years of professional experience
Work History
Loan Document Specialist II
Park Community Credit Union
11.2020 - 06.2025
- Managed 15–30 mortgage file pipeline simultaneously, maintaining accuracy, compliance, and strong communication with applicants and third parties.
- Handled loan file setup by ordering appraisals, title work, flood certifications, VOE/VOI, fraud reports, and payoffs.
- Requested borrower documentation including assets, income, tax returns, credit explanations, and insurance policies.
- Ensured loan documentation complied with regulatory, legal, investor, and company standards.
- Collected updated documentation to satisfy underwriting conditions.
- Updated all required documents and data in the loan origination system.
- Coordinated closing schedules with borrowers, realtors, sellers, and settlement agents.
- Prepared closing disclosures, closing packages, and funding wires with full QA accuracy review.
- Completed all annual education requirements for lending compliance.
- Maintained communication with Loan Originators, Underwriters, and leadership.
Mortgage Loan Processor II
Commonwealth Credit Union
11.2019 - 11.2020
- Processed first and second mortgage loans, ordering all necessary third‑party services.
- Requested and reviewed borrower asset, income, tax, and credit documentation.
- Ensured loan files met regulatory, legal, investor, and company standards.
- Collected corrected and updated documentation to satisfy underwriting conditions.
- Managed a 15–20 loan mortgage pipeline, performing file review, documentation collection, conditions clearing, and borrower communication.
- Updated borrower and loan information in the origination system.
- Completed annual mortgage lending compliance education.
- Collaborated with Loan Originators, Underwriters, and management.
Member Solutions Specialist
Commonwealth Credit Union
07.2015 - 11.2019
- Managed an assigned queue of accounts and assessed accounts requiring legal action.
- Maintained a daily call volume of 85–90 calls while managing delinquent accounts and negotiating payment arrangements, while also taking incoming calls.
- Charged off uncollectible accounts and initiated repossession and legal actions.
- Contacted members to collect payments, negotiate arrangements, and update records.
- Maintained documentation of collection activities and reconciled accounts.
- Collaborated with departments to resolve billing issues and reduce delinquency.
- Reviewed credit reports, loan documents, and social media to locate debts.
- Provided high‑level member service including payments, adjustments, and discrepancies.
- Reported delinquent accounts to credit bureaus and processed account closures.
- Prepared daily reports and completed administrative tasks.
- Ensured compliance with FDCPA and federal/state laws.
Retail Loan Collector
Community Trust Bank
05.2008 - 07.2015
- Performed high-volume collections (85–90 outbound calls/day) and provided support on incoming calls, addressing delinquent accounts, payment negotiations, and account inquiries.
- Determine reasons for delinquency and assess borrower financial situations to recommend appropriate repayment solutions.
- Negotiated repayment strategies (skip-a-payment, partial payments, payment plans) to bring loans current and reduce delinquency rates.
- Processed phone/mail payments.
- Located borrowers using credit bureau data and loan documentation.
- Initiated repossession and legal actions in compliance with FDCPA.
Education
Business Administration And Management
Pikeville College
Pikeville, KYBusiness Administration And Management
Kentucky Community And Technical College
Pikeville, KYSkills
Loan Processing & Documentation
Mortgage Compliance
Problem-Solving & Analytical Skills
Time Management & Organization
Dispute Resolution
Cross-Functional Collaboration
Microsoft Word, Excel & Outlook
Symitar & Collections Systems
Accountability & Attention to Detail
Customer/Member Service Excellence
Timeline
Loan Document Specialist II
Park Community Credit Union
11.2020 - 06.2025
Mortgage Loan Processor II
Commonwealth Credit Union
11.2019 - 11.2020
Member Solutions Specialist
Commonwealth Credit Union
07.2015 - 11.2019
Retail Loan Collector
Community Trust Bank
05.2008 - 07.2015
Business Administration And Management
Pikeville College
Business Administration And Management
Kentucky Community And Technical College