Nicole Johnson
Jacksonville
Summary
Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment, and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Overview
8
8
years of professional experience
Work History
Mortgage Loan Processor II
Community First Credit Union Of Florida
05.2023 - Current
- Collaborates with Loan Officers to provide timely, accurate service for members throughout entire mortgage process.
- Handles any conditions sent from underwriting departments.
- Prepares file for final clear-to-close and completes closing and funding tasks. This includes sending disclosures to meet TRID guidelines, answering member questions regarding final steps and disclosures, setting up the closing, and accurately funding the loan within the LOS.
- Analyzes borrower credit reports and income statements to verify accuracy.
- Underwrites conventional first mortgages to Fannie Mae guidelines.
- Manages a heavy pipeline consisting of first mortgages and equity loan applications.
Senior Mortgage Loan Processor
Jax Federal Credit Union
04.2021 - 05.2023
- Process and close mortgage loans for conventional and home equity products.
- Obtain and verify all loan documentation such as loan application, disclosures, credit report, declared income and assets, title reports, appraisals, and all other documents to meet lender and investor guidelines.
- Serves as the main point of contact from pre-approval to closing between members, loan officers, mortgage underwriters, title companies and real estate agents to ensure a timely closing.
- Exceeded all performance objectives in 2022: Pipeline monthly pull-through rate 84.40%, QA accuracy 94.50%, Average turnaround time 27.66 days, Member satisfaction survey score average 98.40% while taking on additional responsibilities.
- Member success is my number one priority in every action I take in my role.
Member Service Representative III
Jax Federal Credit Union
04.2019 - 04.2021
- Responsible for greeting members while representing the Credit Union to the member in a courteous and professional manner. Provided prompt, efficient, and accurate services in any area needed in the branch.
- Completed loan applications from intake to closing.
- Processed auto, recreational, personal and home equity loans.
- Responsible for the decision on accepting negotiable instruments for cash, deposit or payment or seeking approval when needed.
- Assisted with branch operations such as vault duties and opening/closing procedures.
Teller II
Jax Federal Credit Union
08.2018 - 04.2019
- Provided account services to customers by receiving deposits and loan payments, cashing checks, issuing savings withdrawals, and recording night and mail deposits.
Teller Supervisor
CP Federal Credit Union
03.2017 - 08.2018
- Processed cash and check transactions, training new hire employees, assisting customers with their banking needs, scheduling teller staff, managing vault and conducting monthly audits.
Education
Associate of Applied Science - Business Management
Jackson College
Jackson, MI05-2019
Skills
- Pipeline management
- Processing documents
- Processing procedures
- Document review
- Underwriting
- Residential mortgage lending regulations
Timeline
Mortgage Loan Processor II
Community First Credit Union Of Florida
05.2023 - Current
Senior Mortgage Loan Processor
Jax Federal Credit Union
04.2021 - 05.2023
Member Service Representative III
Jax Federal Credit Union
04.2019 - 04.2021
Teller II
Jax Federal Credit Union
08.2018 - 04.2019
Teller Supervisor
CP Federal Credit Union
03.2017 - 08.2018
Associate of Applied Science - Business Management
Jackson College
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