Misty R Wilson
Summary
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Housing Loan Coordinator
City of San Antonio
05.2022 - Current
- Coordinate the day-to-day operation of all Home Repair and Remediation programs under CDBG, and HOME funds.
- Ensure applications for assistance are complete for accuracy.
- I determine client's eligibility (income, assets and ownership, etc).
- Explain conditions of assistance and program to applicants at commitment.
- Prepare legal documents for closing and ensures that all documents and follow up is complete.
- Responsible for maintaining related logs and records and preparing necessary reports.
- Conduct presentations regarding program processes.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Perform related duties and fulfill responsibilities as required.
Sr. Mortgage Loan Processor
TAP Federal Credit Union
11.2021 - 03.2022
- I oversaw the documentation and submission process for jumbo construction residential mortgage loans.
- I was the point of contact for the borrower, real estate agent, mortgage loan officer, and mortgage underwriter from origination through the close of the mortgage transaction.
- I obtained and verified the accuracy of the borrower's financial documentation, as well as any third-party documentation such as hazard insurance certificates, home inspections, title reports, and appraisals needed to satisfy lender requirements.
- I completed a thorough analysis of loan files to determine compliance with company, investor, and government guidelines and standards.
- I oversaw the construction loan draw request process by reviewing draw schedules, reviewed invoices and receipts for work performed.
- I collected documentation for new builder applications to assess the financial health and credit risk.
- Assisted in training new employees on policies and procedures related to processing loans.
Mortgage Underwriter
Filo Mortgage
03.2021 - 11.2021
- Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.
- Approved or denied loans based on established criteria and underwriting guidelines.
- Maintained meticulous attention to detail in underwriting mortgages.
- Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals.
- Maintained compliance with lending, underwriting and government requirements.
- Demonstrated excellent follow-through with borrowers, loan processors, loan originators and management throughout all phases of the underwriting process.
Member Relationship Specialist/BranchManager
Credit Human Federal Credit
07.2019 - 03.2021
- Developed summaries to assess each client's participation level and determine targets for follow-up plans.
- I participated with local community partners to expand our reach and discover new opportunities, to develop sensibly innovative growth Channels, to deliver financial services.
- Trained new personnel regarding company operations, policies and services.
- Generated budget and financial reports for the branch.
- Created new procedures for the Financial Health Center which were approved by the Operations Managers.
Loan Processor
Credit Human Federal Credit Union, Chattel
07.2018 - 07.2019
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
Mortgage Loan Processor
Sonora Mortgage
09.2017 - 07.2018
- Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
- Prepared and processed mortgage loan files from application through post-closing while in compliance with bank, regulatory and investor guidelines, and customer service standards.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Pre-underwrote the files by FNMA standards and submit the files to our investors for a complete underwriting review.
- Completed underwriting conditions.
- Verified funds were wired to title for loan funding.
- Booked the mortgage loan following internal process.
- Updated the purchase income for each loan sold to the investor.
- Communicated with customers, internal staff, and title companies with updates on the loan.
- Responded to inquiries and resolve problems; and obtained all necessary documentation for the file
- Assisted the Escrow Officer with preparing and delivering escrow documents.
Production Associate II
Pilgrim Mortgage
06.2017 - 09.2017
- Built relationships with individuals sourced from the Loan Officer.
- Analyzed mortgage applications and determine the programs best meeting the needs of the consumer.
- Gathered required application data and provide initial documents and disclosures to the applicant.
- Communicated and educate the consumer on qualified programs including benefits and risks.
- Provided all applicable initial documents and disclosures to the loan processor.
- Supported production needs by performing routine tasks using standard procedures and equipment.
Sr. Loan Officer Assistant
Mortgage Financial Services
01.2017 - 06.2017
- Provided effective communication and professional partnership to Loan Officers, Underwriters, and maintained successful relationships with business referral sources.
- Prospected new mortgage lending opportunities.
- Completed loan applications and ensure exceptional customer experience by overseeing loan process from origination to close while providing on- going communication to customers and business partners.
- Met with customers as necessary during various stages of the loan process.
- Requested and followed up on required documentation from clients.
- Communicated with borrowers, processors, operations staff, title companies, realtors, etc., to expedite mortgage process.
Loan Processing Specialist
Mortgage Financial Services
06.2016 - 10.2016
- Analyzed financial statements, production reports, tax returns, and credit documentation for accuracy and compliance for investor guidelines.
- Surpassed monthly goals of closed loans and received occasional recognition for great customer service.
- Developed pipeline management tools to aid in organization and effectiveness.
Sr. Loan Processing Specialist
SWBC Mortgage
10.2015 - 06.2016
- Prepared and processed mortgage loan files from application through approval while in compliance with bank, regulatory and investor guidelines, and customer service standards
- Communicated with customers, internal staff, and title companies.
- Responded to inquiries and resolve problems; and obtained all necessary documentation for the file.
Mortgage Loan Processor I
USAA Mortgage Services
07.2010 - 09.2015
- Verified, compiled, and typed application information for mortgage loans: Reviewed residential loan application files to verify that application data was complete and met establishment standards, including type and amount of mortgage, assets, liabilities, and length of employment.
- Recommended that loan not meeting standards be denied.
- Called credit bureau and employers to verify accuracy of information.
- Called specified companies to obtain property abstract, survey, and appraisal.
- Identified and evaluated title commitments to identify any flaws and/or issues.
- Requested corrections from the settlement agent, uploaded and reviewed corrections once received, identified conditions were met to clear title
- Met company and client deadlines.
- Submitted mortgage loan application for underwriting approval.
- Submitted approved mortgage loan file to mortgage loan closer for settlement.
Loan Counselor
Wachovia Mortgage
09.2009 - 07.2010
- Contacted customers to determine reason for payment delinquency and obtain payment commitment by placing outbound calls for 1st Mortgage and ELOC.
- Negotiated workouts and repayment plans.
- Handled complex collection inquiries and issues.
- Made decisions about acceptance or return of partial payments.
- Handled most complex collection inquiries and issues.
- Assisted with compiling statistical reports and other special projects.
Education
Liberal Arts
Del Mar College
Corpus Christi, TXReal Estate Institute
Corpus Christi, TXSkills
- Customer Relationship Management
- Organizational Strengths
- Credit Union Operations
- Motivational Techniques
- NMLS Registration
- Loan Process Coordination
- Team Player
- Oral and Written Comprehension
- Financial Services
- Underwriting Support
Certification
Texas Notary Public
NMLS 681002
Timeline
Housing Loan Coordinator
City of San Antonio
05.2022 - Current
Sr. Mortgage Loan Processor
TAP Federal Credit Union
11.2021 - 03.2022
Mortgage Underwriter
Filo Mortgage
03.2021 - 11.2021
Member Relationship Specialist/BranchManager
Credit Human Federal Credit
07.2019 - 03.2021
Loan Processor
Credit Human Federal Credit Union, Chattel
07.2018 - 07.2019
Mortgage Loan Processor
Sonora Mortgage
09.2017 - 07.2018
Production Associate II
Pilgrim Mortgage
06.2017 - 09.2017
Sr. Loan Officer Assistant
Mortgage Financial Services
01.2017 - 06.2017
Loan Processing Specialist
Mortgage Financial Services
06.2016 - 10.2016
Sr. Loan Processing Specialist
SWBC Mortgage
10.2015 - 06.2016
Mortgage Loan Processor I
USAA Mortgage Services
07.2010 - 09.2015
Loan Counselor
Wachovia Mortgage
09.2009 - 07.2010
Liberal Arts
Del Mar College
Real Estate Institute
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