Nicole Endy
Remote Mortgage Loan Processing Manager
Shillington,PA
Summary
Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.
Overview
20
20
years of professional experience
Work History
Remote Sr Mortgage Loan Processor/Loan Officer Assistant
Gateway Mortgage Group
Mount Laurel, NJ
03.2020 - Current
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Set up and completed loan submission packages.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Evaluated approvals against established bank and government lending standards.
- Coordinated closing process with attorneys, title companies and government clerks.
- Prepared file for final clear-to-close by branch management.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering all loan programs including: construction, renovation, jumbo, manufactured, purchase, refinance, FHA, VA, USDA, conventional, bond programs.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Oversaw file input in mortgage software and grant-specific software.
- Handled any conditions sent from underwriting departments.
- Completed denial and cancellation procedures on applicable files.
- Communicated with originator and applicant concerning progress of loan file.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Reviewed and validated details of loan applications and closing documentation.
- Assessed customer account histories to determine previous compliance with payment plans and loan terms.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Conducted pre-funding and funding activities for over 30-45 monthly applications.
- Produced and submitted completed loan packages to title and escrow professionals.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
Remote Sr Mortgage Loan Processor/Loan Officer Assistant
Fidelis Mortgage
Lancaster, PA
08.2016 - 03.2020
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Set up and completed loan submission packages.
Upheld complete confidentiality of all submitted information according to release guidelines. - Evaluated approvals against established bank and government lending standards.
- Coordinated closing process with attorneys, title companies and government clerks.
- Prepared file for final clear-to-close by branch management.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering all loan programs including: construction, renovation, jumbo, manufactured, purchase, refinance, FHA, VA, USDA, conventional, bond programs.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Oversaw file input in mortgage software and grant-specific software.
- Handled any conditions sent from underwriting departments.
- Completed denial and cancellation procedures on applicable files.
- Communicated with originator and applicant concerning progress of loan file.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Reviewed and validated details of loan applications and closing documentation.
Assessed customer account histories to determine previous compliance with payment plans and loan terms. - Consulted with outside vendors to identify and resolve loan closing issues.
- Conducted pre-funding and funding activities for over 30-45 monthly applications.
- Produced and submitted completed loan packages to title and escrow professionals.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
Remote Sr Mortgage Loan Processor
Fairway Independent Mortgage
Lancaster, PA
08.2016 - 08.2018
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Set up and completed loan submission packages.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Evaluated approvals against established bank and government lending standards.
- Coordinated closing process with attorneys, title companies and government clerks.
Prepared file for final clear-to-close by branch management. - Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering all loan programs including: construction, renovation, jumbo, manufactured, purchase, refinance, FHA, VA, USDA, conventional, bond programs.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Oversaw file input in mortgage software and grant-specific software.
Handled any conditions sent from underwriting departments. - Completed denial and cancellation procedures on applicable files.
- Communicated with originator and applicant concerning progress of loan file.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Reviewed and validated details of loan applications and closing documentation.
- Assessed customer account histories to determine previous compliance with payment plans and loan terms.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Conducted pre-funding and funding activities for over 30-45 monthly applications.
Produced and submitted completed loan packages to title and escrow professionals. - Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
Sr Mortgage Loan Processor
Homeside Financial
Columbus, OH
04.2016 - 08.2016
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Set up and completed loan submission packages.
Upheld complete confidentiality of all submitted information according to release guidelines.
Evaluated approvals against established bank and government lending standards.
Coordinated closing process with attorneys, title companies and government clerks.
Prepared file for final clear-to-close by branch management.
Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
Maintained compliance with privacy and security requirements, as well as federal statutes covering all loan programs including: construction, renovation, jumbo, manufactured, purchase, refinance, FHA, VA, USDA, conventional, bond programs.
Reviewed financial statements and contacted institutions and customers to clarify details.
Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
Received on-going, comprehensive training on home loan products and mortgage process.
Oversaw file input in mortgage software and grant-specific software.
Handled any conditions sent from underwriting departments.
Completed denial and cancellation procedures on applicable files.
Communicated with originator and applicant concerning progress of loan file.
Checked daily reports each morning to identify priorities or issues for escalation to supervisor. - Filed completed loan applications with underwriting and made approval or denial recommendations.
- Reviewed and validated details of loan applications and closing documentation.
- Assessed customer account histories to determine previous compliance with payment plans and loan terms.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Conducted pre-funding and funding activities for over 30-45 monthly applications.
- Produced and submitted completed loan packages to title and escrow professionals.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
Remote Sr Mortgage Loan Processor
GMH Mortgage
Conshohocken, PA
09.2015 - 04.2016
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Set up and completed loan submission packages.
Upheld complete confidentiality of all submitted information according to release guidelines. - Evaluated approvals against established bank and government lending standards.
- Coordinated closing process with attorneys, title companies and government clerks.
- Prepared file for final clear-to-close by branch management.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering all loan programs including: construction, renovation, jumbo, manufactured, purchase, refinance, FHA, VA, USDA, conventional, bond programs.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Oversaw file input in mortgage software and grant-specific software.
- Handled any conditions sent from underwriting departments.
- Completed denial and cancellation procedures on applicable files.
- Communicated with originator and applicant concerning progress of loan file.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Reviewed and validated details of loan applications and closing documentation.
- Assessed customer account histories to determine previous compliance with payment plans and loan terms.
- Consulted with outside vendors to identify and resolve loan closing issues.
Conducted pre-funding and funding activities for over 30-45 monthly applications. - Produced and submitted completed loan packages to title and escrow professionals.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
Mortgage Pipeline Manager/Loan Processor Trainer
Ditech Mortgage
Fort Washington, PA
01.2009 - 09.2015
- Prepare and disburse daily, weekly, monthly and quarterly production reports.
- Analyze reports to close gaps and increase productivity where necessary.
- Disburse loans across operations department to ensure even distribution.
- Monitor rate lock expiration dates and ECOA dates to ensure all loans were worked quickly and critical dates were met.
- Manage loan processing teams of 10-15 individuals.
- Trained new hires in accordance with company policy and procedure.
- Worked closely with existing staff members to improve productivity and increase efficiency.
- Developed and updated existing training materials for sales and processing.
- Handle inbound customer service issue complaints and resolve problems quickly and efficiently.
- Tested and implemented Encompass across entire company with other team members from raining department.
- All mortgage loan processor functions.
- Demonstrated respect, friendliness and willingness to help wherever needed
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork
- Conducted research, gathered information from multiple sources and presented results
- Led projects and analyzed data to identify opportunities for improvement
- Resolved problems, improved operations and provided exceptional service
Education
Bachelor of Science - Total Quality Management
DeVry University
Fort Washington, PA06.2014
Skills
- Verbal and Written Communication
- Collateral Value Checks
- Personal Data Collection
- Time Management
- Microsoft Office
- Lending Software Systems
- Problem Solving
- CRM Software
- Mortgage Loan Processing
- Government Lending
- Title Abstracts
- Decision Making
Additional Information
PA NMLS License #: 1814126
PA Commissioned Notary
Timeline
Remote Sr Mortgage Loan Processor/Loan Officer Assistant
Gateway Mortgage Group
03.2020 - Current
Remote Sr Mortgage Loan Processor/Loan Officer Assistant
Fidelis Mortgage
08.2016 - 03.2020
Remote Sr Mortgage Loan Processor
Fairway Independent Mortgage
08.2016 - 08.2018
Sr Mortgage Loan Processor
Homeside Financial
04.2016 - 08.2016
Remote Sr Mortgage Loan Processor
GMH Mortgage
09.2015 - 04.2016
Mortgage Pipeline Manager/Loan Processor Trainer
Ditech Mortgage
01.2009 - 09.2015
Bachelor of Science - Total Quality Management
DeVry University