NATOYA JONES
Pensacola,FL
Summary
A position in the mortgage/banking industry where by my processing and underwriting talents can be effectively utilized to improve operations and contribute to company profits. MORTGAGE LOAN PROCESSOR Mortgage industry professional with loan-processing experience and a comprehensive knowledge of conventional and government loan programs. Diligent and detail-oriented thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from preapproval to closing. Computer savvy in MS Office Suite and proprietary mortgage-processing software. Loan Processing Expertise Conforming & Nonconforming Loans, FRMs, ARMs, GPMs, Jumbo Loans, Fannie Mae & Freddie Mac Guidelines, and VA
Overview
11
11
years of professional experience
Work History
Mortgage Underwriter
Guild Mortgage
10.2020 - 04.2022
- Verified integrity of applicants' information to minimize fraud.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
- Applied grades to each loan application based on established criteria to keep institutional risk low.
- Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
- Worked with processing team members to communicate errors and obtain missing information for current applications.
Mortgage Closer
Navy Federal Credit Union
12.2017 - 10.2020
- Maintained checklists of required documentation and open issues affecting closings.
- Collaborated with lenders, agents and legal professionals to resolve transactional and title issues.
- Handled as many as 30 closing files each month by effectively organizing, multitasking and prioritizing closing work.
- Reviewed titles, insurance, and flood zone certifications to meet closing standards for each property.
- Prepared preliminary settlement statements and loan closing instructions for review by title companies and closing agents.
- Validated and audited final signed documents in accordance with state, county and investor guidelines.
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
Mortgage Loan Processor
NAVY FEDERAL CREDIT UNION
Pensacola, FL
12.2017 - 10.2020
- Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages
- Review and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal
- Ensure compliance with company policies, underwriting guidelines and lending-program requirements
- Regarded as one of the company’s most productive loan processors, handling an average of 50 files monthly
- Provided expedient service cited as key to consistently high customer satisfaction
- Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings
- Processed challenging loan applications (e.g., first-time borrowers, self-employed applicants and borrowers with problematic credit histories).
BEHAVIORAL SPECIALIST
BAPTIST HEALTHCARE SYSTEM
05.2014 - 12.2017
- Promoted safe and therapeutic patient care through consultation and supervision, communication and interactions.
- Provided individualized care and treatment consistent with age and developmental needs of each patient.
- Conducted and interacted with clients in both individual and group counseling settings.
- Interviewed patient and family to obtain psychosocial history.
Education
Associate of Applied Science - Nursing
Pensacola State College
Pensacola, FL05.2006
HIGH SCHOOL DIPLOMA -
WOODHAM HIGH SCHOOL
Pensacola, FL05.1999
Skills
- Very Meticulous reviewing documentation
- Excellent teamwork
- Problem Solving
- Great at researching for answers
- Following established guidelines
- Financial Advisement
- Property Evaluation
- Loan File Maintenance
- Customer Relations
- Active volunteer member of Boys and Girls Club as Mentoring Big Sister
Timeline
Mortgage Underwriter
Guild Mortgage
10.2020 - 04.2022
Mortgage Closer
Navy Federal Credit Union
12.2017 - 10.2020
Mortgage Loan Processor
NAVY FEDERAL CREDIT UNION
12.2017 - 10.2020
BEHAVIORAL SPECIALIST
BAPTIST HEALTHCARE SYSTEM
05.2014 - 12.2017
Associate of Applied Science - Nursing
Pensacola State College
HIGH SCHOOL DIPLOMA -
WOODHAM HIGH SCHOOL
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