Nicole M. Scriver
Kimball,MI
Summary
Astute Loan Processor bringing 5 years of experience in banking and financial positions. Work well with people of all backgrounds to complete loan packages. Adept at building loyalty and trust between bank and customer. 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
11
11
years of professional experience
Work History
Sr Loan Processor/Investor Delivery Specialist
LoanDepot
REMOTE
07.2020 - Current
- Evaluated approvals against established bank and government lending standards.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Set up and completed loan submission packages.
- Coordinated closing process with attorneys, title companies and government clerks.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering government loans.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Provided quick turnaround times to maintain fast-past schedule.
- Checked packages for appropriate documentation.
- Looked over and approved various types of loans.
- Handled 25 calls per day to address customer inquiries and concerns
- Developed and maintained courteous and effective working relationships
- Onboarded new temps by entering employee information into systems
- Offered friendly and efficient service to customers, handled challenging situations with ease
- Maintained energy and enthusiasm in fast-paced environment
Loan Processor/LO Assistant
AmeriFirst Home Mortgage
Port Huron, MI
11.2017 - Current
- Analyzed departmental documents for appropriate distribution and filing.
- Verified data integrity and accuracy.
- Answered average of 40 calls, emails and faxes per day, addressing customer inquiries, solving problems and providing new product information.
- Entered details such as payments, account information and call logs into Mortgage Builder and Architect.
- Obtained documents, clearances, certificates and approvals from local, state and federal agencies.
- Achieved closing a mortgage in 15 days many times by being proactive, persistent and present. On average keeping 12-20 loans in just my pipeline at all times.
- Copied, logged and scanned supporting documentation and placed all information in client files.
- Set up and completed loan submission packages.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering all loans.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Assessed customer account histories to determine previous compliance with payment plans and loan terms.
- Reviewed and validated details of loan applications and closing documentation.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- 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.
- Evaluated approvals against established bank and government lending standards.
- 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.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Coordinated closing process with attorneys, title companies and government clerks.
- Submitted completed packages in a timely manner.
- Handled any conditions sent from underwriting departments.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
Multi-skilled Assistant
Attended Paul Mitchell School of Great Lakes, Mercy Hospital
Port Huron, MI
01.2004 - 01.2009
- Administrative duties that included handling patient calls, arranging files, assisting physicians.
- Medical billing.
- Patient registration.
- Patient care.
- Triage, working with physicians and patients.
Education
Some College (No Degree) -
St. Clair County Community College
Port Huron, MICosmetology - Cosmetology
Paul Mitchell School of Great Lakes
Port Huron, MISkills
- Administrative duties
- Excel, word proficiency
- Application preparation
- Financial document review
- Appraisals
- Compliance, banking laws and regulations
- Excellent time management skills
- Rapid data entry skills
- Practices due diligence
- Self-directed mindset
- Interpersonal skills
- Self-sufficient
- Verbal/written communication
- Strong customer relations
- High level of accuracy
- Customer-oriented
- Deadline-driven
- Advanced clerical knowledge
- Strong interpersonal skills
- Customer Service
- Digital Applications
- Financial Data Collection
- Information Verification
- Legal Documentation
- Employment Verification
- Credit Reporting Software
- Microsoft Office
- Credit Verification
- Lending Software Systems
- Credit Bureau Contact
- Desktop Underwriter
- Time Management
- Data Entry
- Regulatory Compliance Documentation
- Government Lending
- Mortgage Loan Processing
- Customer Account Review
- Mortgage Insurance Arrangement
Hobbies
- Camping with my husband and 3 children
- Lifting weights
- Fishing
- Reading
- Music
Timeline
Sr Loan Processor/Investor Delivery Specialist
LoanDepot
07.2020 - Current
Loan Processor/LO Assistant
AmeriFirst Home Mortgage
11.2017 - Current
Multi-skilled Assistant
Attended Paul Mitchell School of Great Lakes, Mercy Hospital
01.2004 - 01.2009
Some College (No Degree) -
St. Clair County Community College
Cosmetology - Cosmetology
Paul Mitchell School of Great Lakes
Similar Profiles
Steve TothSteve Toth
Senior Licensed Loan Officer at LoanDepotSenior Licensed Loan Officer at LoanDepot
Jadyn AdamsJadyn Adams
Senior Mortgage Underwriter at LoanDepotSenior Mortgage Underwriter at LoanDepot
Stephanie OddoStephanie Oddo
Mortgage Loan Officer at LoanDepotMortgage Loan Officer at LoanDepot