Mortgage Loan Processor
Nicole Kornegay
NewRez
Virginia Beach,VA
1
Certification
14
Years of experience
Experienced mortgage loan processor skilled in loan file review, compliance, and pipeline management. Proven success supporting borrowers, clearing underwriting conditions, and managing files from application through closing.
Work History
Mortgage Loan Processor
6 Years 7 Months- Processed NewRez mortgage loan files from application through closing.
- Cleared underwriting conditions and collected missing loan documents.
- Verified income, asset, and employment records for file review.
- Monitored pipeline tasks and followed NewRez processing requirements.
- Communicated with borrowers to request documents and explain file needs.
- Submitted completed loan packages to underwriting department for approval or denial decisions.
- Ordered appraisals and title services on behalf of borrowers.
- Provide customer service by responding to inquiries regarding loan status.
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Managed loan application pipeline by completing and submitting reports within allotted turnaround times.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Evaluated financial statements and contacted institutions and customers to clarify details.
- Communicated regularly with customers throughout the entire process from origination through closing.
- Processed loan documents and ensured compliance with federal regulations.
- Inspected loan documentation for mistakes and corrected discrepancies.
- Submitted detailed loan packages to the underwriting department to facilitate approval or denial processes.
- Verified that all conditions of the loan have been met prior to disbursement of funds.
- Discussed loan needs and financial histories with clients and conveyed information regarding the application process.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
- Maintained complete confidentiality of submitted information according to release guidelines.
Mortgage Loan Processor
6 Years 11 Months- Received on-going, comprehensive training on home loan products and mortgage process.
- Communicated with originator and applicant concerning progress of loan file.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
Education
High School Diploma
Skills
Mortgage processing
Loan compliance
Document management
Loan pipeline management
File review
Underwriting conditions
Income verification
Credit analysis
Encompass
Epic
H2O systems
Title management
Problem solving
Client communication
Attention to detail
Certification
- Kentucky Mortgage Processor Certification
Timeline
Mortgage Loan Processor
NewRez
03.2020 - CurrentRead More
Mortgage Loan Processor
Tidewater Mortgage Services
03.2013 - 02.2020Read More
Kempsville High School
High School Diploma
Read More