NICOLE MCGINLEY
Poland,ME
Summary
Proven track record of excellent human relations skills, successfully interacting with diverse clients and employees. Establish and maintain strong client relationships for effective customer satisfaction and loyalty. Proficient in utilizing various AUS systems (DU, DO, LP, GUS) and mortgage loan systems for paperless files. Solid time management skills to efficiently execute and manage a large pipeline. Superior organization and interpersonal skills to analyze, plan, manage, and motivate teams for enhanced office efficiency. Innovative professional with nearly 20 years of extensive experience in the mortgage industry, bringing a wealth of knowledge and expertise to any organization.
Overview
22
22
years of professional experience
Work History
Loan Officer Assistant
Caliber Home Loans
12.2020 - 06.2024
- Coordinated with loan officers to optimize the pre-approval process, resulting in a smoother overall experience for clients.
- Answered inquiries and provided superior customer service to clients.
- Communicated with customers daily to request information and complete paperwork.
- Reduced processing time by maintaining an organized system for tracking outstanding documents and followups.
- Provided comprehensive administrative support to Loan Officers so they could focus on building relationships with clients and generating new business opportunities.
- Set up files using loan officer checklist and submitted on-time for processing.
- Managed customer relations, ensuring timely communication of loan status updates for increased client retention.
- Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.
- Streamlined communication channels between clients, Loan Officers, and underwriters to ensure timely updates and efficient information sharing.
- Proactively addressed potential roadblocks in the loan process, resulting in faster resolution of issues and higher client satisfaction rates.
- Improved turnaround times for loan applications through effective prioritization and proactive problem-solving techniques.
- Ensured compliance with industry regulations by staying updated on changes and implementing appropriate procedures within the team.
- Aided in negotiation of loan terms, working closely with loan officers to secure favorable conditions for clients.
LOAN OFFICER/BROKER NMLS #1593445
NEXA MORTGAGE LLC
07.2020 - 11.2020
- -Branch Manager, Broker -Self processed my own loans -Closed 8 units $1,709,053 in volume all new purchase
LOAN OFFICER NMLS #1593445
STONECOAST MORTGAGE
05.2019 - 05.2020
- -Broker residential mortgage loans -Self processed my own loans -Closed 6 units $1,439,320 in volume all new purchase business
SR. LOAN PROCESSOR/LOAN OFFICER NMLS #1593445
NORTH POINT MORTGAGE
04.2019 - 07.2018
- -Processed loans, focusing on customer service and sales assistance -Possessed the drive, ability and willingness to grow the loan officers business -Assisted in pipeline management of 2 higher protruding loan officer and ensuring the process low was efficient -Averaged 15-20 loans per month -Managed primarily new purchase conventional and usda loans
LICENSED LOAN OFFICER ASSISTANT NMLS #1593445
MOVEMENT MORTGAGE
02.2017 - 02.2018
- -Assisted a new company into the Maine Market -Processed loans after point of sale for 9 loan officers, managing a pipeline of 25-30 loans monthly on average -Managed equally refinance and purchase business consisting of conventional, FHA, VA and USDA loans
SR. LOAN PROCESSOR
GUARANTEED RATE
06.2016 - 12.2016
- -Processed loans after point of sale for 6 loan officer, managing a pipeline of 30-35 loans monthly on average Managed mostly new purchase business consisting of conventional, FHA, VA and USDA loans
SR. LOAN PROCESSOR
REGENCY MORTGAGE CORP
04.2013 - 03.2016
- -Responsible for prudent and compliant processing of residential mortgage loans for sale to the secondary mortgage market. -Managed a pipeline of 35-40 loans for 4 higher producing loan officers consisting of Conventional, FHA, VA, USDA, Renovation and new construction loans -Exercised due diligence and efficiency in my daily work routine to meet deadlines such as loan commitments, closing dates, change of circumstances, rate locks etc. -Communicated clearly with mortgage loan originators, customers, and fellow staff as well as outside vendors such at title attorneys, brokers, etc. -Provided exemplary customer service to both external and internal customers. -Exhibited knowledge and attention to customer service that is necessary in supporting a sales team.
Retail Loan Processor III
GORHAM SAVINGS BANK
04.2012 - 04.2013
- -Processed conventional portfolio and complex construction mortgage loan applications according to established policies and procedures set forth by the bank as well as applicable legal and regulatory guidelines. -Reviewed files for underwriting, resolved any conditions placed on loans by underwriting, ensured each file was in compliance, coordinated borrowers and others to clear problems and prepared the loan file for closing. -Communicated with borrowers, loan officers, real estate agents, appraisers, title companies, mortgage insurance companies, credit bureaus, flood determination companies and other vendors as needed to ensure efficient and timely processing and closing of loans.
Mortgage Loan Processor
TD BANK
03.2008 - 06.2009
- -Processed conventional and federal mortgage loan applications for the New Jersey market. -Analyzed income and credit qualifications to determine if applicants met guideline parameters of loan programs. -Requested, received, analyzed and organized daily correspondence from borrowers, mortgage loan officers, vendors and others. -Ensured documents, such as commitment letters, credit reports, insurance certificates, tax information, pay records and all applicable information pertaining to the mortgage loan were in compliance with applicable laws, regulations, and guidelines as detailed in policies and procedures (Fair Lending, Know your Customer, Bank Secrecy Act and other applicable policies set forth by the Bank)
LOAN PROCESSOR
HOMEOWNERS ASSISTANCE CORP/DOWNEAST MORTGAGE CORP
12.2002 - 03.2008
- -Processed conventional and federal mortgage loan applications for the New Jersey market. -Analyzed income and credit qualifications to determine if applicants met guideline parameters of loan programs. -Requested, received, analyzed and organized daily correspondence from borrowers, mortgage loan officers, vendors and others. -Ensured documents, such as commitment letters, credit reports, insurance certificates, tax information, pay records and all applicable information pertaining to the mortgage loan were in compliance with applicable laws, regulations, and guidelines as detailed in policies and procedures
Education
Bachelors Degree in Business Administration -
University of Southern Maine
05.2000
Associates Degree in Sports Management -
Dean College, Franklin MA
05.1994
Skills
- File Management
- Loan Processing
- Credit
- Credit analysis
References
Available upon request.
Timeline
Loan Officer Assistant
Caliber Home Loans
12.2020 - 06.2024
LOAN OFFICER/BROKER NMLS #1593445
NEXA MORTGAGE LLC
07.2020 - 11.2020
LOAN OFFICER NMLS #1593445
STONECOAST MORTGAGE
05.2019 - 05.2020
SR. LOAN PROCESSOR/LOAN OFFICER NMLS #1593445
NORTH POINT MORTGAGE
04.2019 - 07.2018
LICENSED LOAN OFFICER ASSISTANT NMLS #1593445
MOVEMENT MORTGAGE
02.2017 - 02.2018
SR. LOAN PROCESSOR
GUARANTEED RATE
06.2016 - 12.2016
SR. LOAN PROCESSOR
REGENCY MORTGAGE CORP
04.2013 - 03.2016
Retail Loan Processor III
GORHAM SAVINGS BANK
04.2012 - 04.2013
Mortgage Loan Processor
TD BANK
03.2008 - 06.2009
LOAN PROCESSOR
HOMEOWNERS ASSISTANCE CORP/DOWNEAST MORTGAGE CORP
12.2002 - 03.2008
Bachelors Degree in Business Administration -
University of Southern Maine
Associates Degree in Sports Management -
Dean College, Franklin MA
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