Natasha Hare
Philadelphia,United States
Summary
Highly organized Sr. Mortgage Loan Processor with over 10 years of experience in the mortgage industry. Skilled in identifying and resolving complex financial issues, and thriving in fast-paced and ever-changing business environments. Known for building strong mortgage operations teams and exceeding loan approval targets. A proven leader, problem-solver, and analytical thinker. Achieved an average revenue increase of 30%.
Overview
10
10
years of professional experience
Work History
SR. MORTGAGE LOAN PROCESSOR
PROSPERITY HOME MORTGAGE LLC
09.2020 - 09.2023
- Analyzed and processed mortgage applications
- Collaborated with loan officers and other stakeholders to identify and mitigate potential risks, resulting in a 25% reduction in loan delinquency rates
- Ensured all applicable documents followed the designated loan program
- Validated appropriate documents as required by LP/DU
- Managed a pipeline of 40 loans effectively with at least 25 closings monthly
- Fully processed all loan applications for submission to underwriting
- Reworked suspended loans for re-submission to underwriting for approval
- Submitted approved files to the closing department in preparation for settlement
- Ensured compliance with all federal and state regulations regarding mortgage loan processing
- Trained new employees while doubling my sales goal.
MORTGAGE LOAN PROCESSOR
FIRST HERITAGE FINANCIAL
04.2017 - 09.2020
- Take member & partner calls
- Review and calculate applicant's income, analyze credit reports and employment histories
- Order & review title reports
- Performed Quality Assurance duties for department to ensure that the Mortgage Specialist department was compliant with standard operating procedures
- Specialized in project management to assure strategies, implementation plan, project scope & milestones were met on time
- Ensure all applicable documents follow the designated loan program
- Fully process all loan applications for submission to underwriting
- Rework suspended loans for re-submission to underwriting for approval
- Submit approved files to the closing department in preparation for settlement.
WHOLESALE ACCOUNT MANAGER
NEW PENN FINANCIAL
04.2017 - 07.2017
- Managed communications with broker accounts, account executives, escrow and title
- Maintained sales support and broker satisfaction
- Responsible for scrubbing new submissions
- Worked conditions to assure a smooth transition from gate to close
- Managed loan amounts ranging from 50K to 3.5M
- Reviewed conditions for Clear to close.
SR. LOAN COORDINATOR
FREEDOM MORTGAGE CORPORATION
12.2016 - 04.2017
- Provide support to loan officer and underwriter teams by ensuring timely, sensible and precise processing of USDA streamline mortgages
- Review and verify borrower's income, credit reports, employment histories, and title insurance
- Prepared loan applications for underwriting submission
- Ensured compliance with company and government guidelines.
- Researched and updated industry knowledge on changing legislation and regulations.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
HOME EQUITY PROCESSOR III
PHILADELPHIA FEDERAL CREDIT UNION
07.2013 - 07.2016
- Made credit decisions on consumer products with a focus on Home Equity & Consumer Lending
- Obtained appropriate documentation to clear underwriting conditions
- Spoke directly with customers to advise of any application updates or conditions
- Managed & solely worked on loss mitigation & delinquency workout files
- Responsible for Home Equity Division Training.
- Facilitated smooth transactions for borrowers by coordinating with title companies, appraisers, and legal counsel as needed during the loan process.
Education
Bachelor of Science - Organizational Leadership
Thomas Jefferson University
05.2024
Skills
- Risk mitigation
- Loan processing
- Document validation
- Quality assurance
- Compliance
- Project management
- Income analysis
- Expertise
- Knowledge in Encompass
- Appraisals
Timeline
SR. MORTGAGE LOAN PROCESSOR
PROSPERITY HOME MORTGAGE LLC
09.2020 - 09.2023
MORTGAGE LOAN PROCESSOR
FIRST HERITAGE FINANCIAL
04.2017 - 09.2020
WHOLESALE ACCOUNT MANAGER
NEW PENN FINANCIAL
04.2017 - 07.2017
SR. LOAN COORDINATOR
FREEDOM MORTGAGE CORPORATION
12.2016 - 04.2017
HOME EQUITY PROCESSOR III
PHILADELPHIA FEDERAL CREDIT UNION
07.2013 - 07.2016
Bachelor of Science - Organizational Leadership
Thomas Jefferson University
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