Nicole Jackson
Stockbridge,GA
Summary
Results-oriented Loan Processor highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. Over 16 years of experience in loan processing and mortgages. Real Estate Professional with 6 years of Proven Sales.
Overview
27
27
years of professional experience
Work History
Loan Processor
Prosperity Home Mortgage
09.2021 - 09.2023
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
- Provided exceptional customer service by addressing borrower concerns and resolving issues in a timely manner.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Monitored pipelines to track and log status of loans.
Mortgage Underwriter
Stellar Mortgage Corporation
01.2013 - 01.2020
- Ordered and reviewed customer verifications and reviewed vendor orders such as appraisals, titles, and flood certifications to ensure compliance
- Responsible for underwriting of FANNIE/FREDDIE MAC conforming and non-conforming first and second mortgage packages
- Approve within given authority or recommend approval or denial for all lower level underwriters.
Mortgage Underwriter
Generation Mortgage
01.2010 - 01.2013
- Work within SLA requirements utilize AUS for DU/LP approvals/denials
- Knowledge of secondary market guidelines, including FNMA/FHLMC, verify data against documentation for income, assets, credit, property
- Responded to underwriting questions from internal and external customers
- Determine and thoroughly document loan conditions, signed off on conditions where appropriate.
Loan Processor
Diversified Home Mortgage
01.2006 - 01.2010
- Familiarity with FHA, VA, USDA, bond and conventional underwriting guidelines and loan process
- Strong understanding and experience with Encompass
- Computer Knowledge (DU, LP, Microsoft Office Windows)
- Manage pipeline by completing and submitting reports within allotted turn-around times
- Reviewing files for adherence to underwriting standards and ensuring completeness of underwriting submission
- Knowledge of commonly used mortgage concepts, practices, procedures and Fannie/Freddie guidelines
- Familiarity with FHA, VA, USDA, bond and conventional underwriting guidelines and loan process
- Strong background in Desktop Underwriter (DU) and Loan Product Advisor (LPA).
HR/Professional Development Coordinator
Spalding Regional Medical Center
01.2003 - 01.2006
- Direct the development of staffing strategies
- Coordinate, plan, and participate in new hire orientations
- Update and maintain all employee records (i.e new hires, leaves of absence, pay rate changes) in HRIS system; Microsoft Office
- Administer and communicate company benefits and compensation programs, including all documentation management
- Coordinate regular employee, management, and other joint committee meetings.
Lead Client Processor
Lockheed Martin - ACS Division
01.1997 - 01.2003
- Perform face to face presentations to prospective and current clients
- Work closely with decision makers
- Maintain and update database
- Prepare and conduct new client set-ups and In-Service Training sessions
- Serve as Project Manager for transition of clients
- Manage accounts from conception to close
- Ensure client retention by maintaining relationships with current accounts
- Act as the primary point of contact between clients and business representatives
- Provide continuing education to clients on new technologies
- Perform on-site audits as required by clients
- Successfully maintained and closed over 25,500 cases
- Recognized by clients for superior customer service.
Education
Real Estate License -
01.2018
Master of Business Administration (MBA) -
American Intercontinental University
12.2010
Bachelor's of Business Administration in Management (BBA) -
American Intercontinental University
11.2007
Skills
Data Entry
Teamwork and Collaboration
Information Verification
Regulatory Compliance
Attention to Detail
Dedicated Work Ethic
Mortgage Loan Software
Customer service-focused
References
Available Upon Request
Timeline
Loan Processor
Prosperity Home Mortgage
09.2021 - 09.2023
Mortgage Underwriter
Stellar Mortgage Corporation
01.2013 - 01.2020
Mortgage Underwriter
Generation Mortgage
01.2010 - 01.2013
Loan Processor
Diversified Home Mortgage
01.2006 - 01.2010
HR/Professional Development Coordinator
Spalding Regional Medical Center
01.2003 - 01.2006
Lead Client Processor
Lockheed Martin - ACS Division
01.1997 - 01.2003
Master of Business Administration (MBA) -
American Intercontinental University
Bachelor's of Business Administration in Management (BBA) -
American Intercontinental University
Real Estate License -
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