Nicole Marie Endy

• Maximized business potential by providing excellent customer service and ensuring 100% client retention.
• Maintained routine communication with clients to assess overall satisfaction, resolve complaints and promote new offerings.
• Proactively managed client correspondence and recorded tracking and communications.
• Used Encompass and Excel to document sales activities and sales pipelines.
• Serviced existing accounts on regular basis to maximize revenue.
• Assessed credit risk and analyzed financial statements.
• Gathered loan documentation for underwriting.
• Improved understanding of financial statements, which helped in assessing risk.
• Complied with internal controls and government regulations.
• Reviewed customer files on regular basis to make sure receivables were in sound condition.
• Participated in team-building activities to enhance working relationships.
• Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
• Trained junior team members in underwriting procedures and loan quality grading standards.
• Met 48-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
• Worked with processing team members to communicate errors and obtain missing information for current applications.
• Checked personal and team calculations to validate information and underwriting decisions.
• Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
• Proactively identified solutions for customers experiencing credit issues.
• Monitored pipelines to track and log status of loans.
• Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
• Compiled closing packages for drafting and presentation accuracy.
• Supervised loan personnel and motivated to maintain customer service and performance standards.

• Set up and completed loan submission packages.
• Received on-going, comprehensive training on home loan products and mortgage process.
• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Upheld complete confidentiality of all submitted information according to release guidelines.
• Completed denial and cancellation procedures on applicable files.
• Maintained compliance with privacy and security requirements, as well as federal statutes covering both QM and Non-QM loans.
• Communicated with originator and applicant concerning progress of loan file.
• Oversaw file input in mortgage software and grant-specific software.
• Evaluated approvals against established bank and government lending standards.
• Handled any conditions sent from underwriting departments.
• Coordinated closing process with attorneys, title companies and government clerks.
• Prepared file for final clear-to-close by branch management.
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
• Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
• Filed completed loan applications with underwriting and made approval or denial recommendations.
• Consulted with outside vendors to identify and resolve loan closing issues.
• Conducted pre-funding and funding activities for over 60 monthly applications.
• Assessed customer account histories to determine previous compliance with payment plans and loan terms.
• Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
• Reviewed and validated details of loan applications and closing documentation.
• Set up, stored and updated customer files, department records and regulatory paperwork.
• Cultivated productive relationships with clients, realtors and title/escrow officers to increase profits and expand customer base.
• Worked with Loan Officer to create application profile in system and review key information at various stages within process.
• Compiled sales leads and managed contacts with Blend and Byte.
• Maintained referral pipeline by reaching out regularly to real estate agents, referral partners and past clients.
• Monitored key dates to obtain information by deadlines.
• Scheduled meetings and appointments and maintained well-organized master calendar.
• Assembled important paperwork and disclosures for borrower.
• Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
• Documented borrower's information in loan processing system and resolved any discrepancies.
• Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
• Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
• Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
• Improved overall financial reporting by streamlining control processes and reporting structures.
• Performed routine closings, maintained clean, accurate and accessible records and kept close eye on transaction updates throughout each quarter.
• Worked flexible hours across night, weekend and holiday shifts.

• Set up and completed loan submission packages.
• Received on-going, comprehensive training on home loan products and mortgage process.
• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Upheld complete confidentiality of all submitted information according to release guidelines.
• Completed denial and cancellation procedures on applicable files.
• Maintained compliance with privacy and security requirements, as well as federal statutes covering both QM and Non-QM loans.
• Communicated with originator and applicant concerning progress of loan file.
• Oversaw file input in mortgage software and grant-specific software.
• Evaluated approvals against established bank and government lending standards.
• Handled any conditions sent from underwriting departments.
• Coordinated closing process with attorneys, title companies and government clerks.
• Prepared file for final clear-to-close by branch management.
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
• Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
• Filed completed loan applications with underwriting and made approval or denial recommendations.
• Consulted with outside vendors to identify and resolve loan closing issues.
• Conducted pre-funding and funding activities for over 60 monthly applications.
• Assessed customer account histories to determine previous compliance with payment plans and loan terms.
• Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
• Reviewed and validated details of loan applications and closing documentation.
• Set up, stored and updated customer files, department records and regulatory paperwork.
• Cultivated productive relationships with clients, realtors and title/escrow officers to increase profits and expand customer base.
• Worked with Loan Officer to create application profile in system and review key information at various stages within process.
• Compiled sales leads and managed contacts with Blend and Byte.
• Maintained referral pipeline by reaching out regularly to real estate agents, referral partners and past clients.
• Monitored key dates to obtain information by deadlines.
• Scheduled meetings and appointments and maintained well-organized master calendar.
• Assembled important paperwork and disclosures for borrower.
• Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
• Documented borrower's information in loan processing system and resolved any discrepancies.
• Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
• Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
• Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
• Improved overall financial reporting by streamlining control processes and reporting structures.
• Performed routine closings, maintained clean, accurate and accessible records and kept close eye on transaction updates throughout each quarter.
• Worked flexible hours across night, weekend and holiday shifts.

• Set up and completed loan submission packages.
• Received on-going, comprehensive training on home loan products and mortgage process.
• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Upheld complete confidentiality of all submitted information according to release guidelines.
• Completed denial and cancellation procedures on applicable files.
• Maintained compliance with privacy and security requirements, as well as federal statutes covering both QM and Non-QM loans.
• Communicated with originator and applicant concerning progress of loan file.
• Oversaw file input in mortgage software and grant-specific software.
• Evaluated approvals against established bank and government lending standards.
• Handled any conditions sent from underwriting departments.
• Coordinated closing process with attorneys, title companies and government clerks.
• Prepared file for final clear-to-close by branch management.
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
• Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
• Filed completed loan applications with underwriting and made approval or denial recommendations.
• Consulted with outside vendors to identify and resolve loan closing issues.
• Conducted pre-funding and funding activities for over 60 monthly applications.
• Assessed customer account histories to determine previous compliance with payment plans and loan terms.
• Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
• Reviewed and validated details of loan applications and closing documentation.
• Set up, stored and updated customer files, department records and regulatory paperwork.
• Cultivated productive relationships with clients, realtors and title/escrow officers to increase profits and expand customer base.
• Worked with Loan Officer to create application profile in system and review key information at various stages within process.
• Compiled sales leads and managed contacts with Blend and Byte.
• Maintained referral pipeline by reaching out regularly to real estate agents, referral partners and past clients.
• Monitored key dates to obtain information by deadlines.
• Scheduled meetings and appointments and maintained well-organized master calendar.
• Assembled important paperwork and disclosures for borrower.
• Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
• Documented borrower's information in loan processing system and resolved any discrepancies.
• Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
• Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
• Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
• Improved overall financial reporting by streamlining control processes and reporting structures.
• Performed routine closings, maintained clean, accurate and accessible records and kept close eye on transaction updates throughout each quarter.
• Worked flexible hours across night, weekend and holiday shifts.

• Set up and completed loan submission packages.
• Received on-going, comprehensive training on home loan products and mortgage process.
• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Upheld complete confidentiality of all submitted information according to release guidelines.
• Completed denial and cancellation procedures on applicable files.
• Maintained compliance with privacy and security requirements, as well as federal statutes covering both QM and Non-QM loans.
• Communicated with originator and applicant concerning progress of loan file.
• Oversaw file input in mortgage software and grant-specific software.
• Evaluated approvals against established bank and government lending standards.
• Handled any conditions sent from underwriting departments.
• Coordinated closing process with attorneys, title companies and government clerks.
• Prepared file for final clear-to-close by branch management.
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
• Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
• Filed completed loan applications with underwriting and made approval or denial recommendations.
• Consulted with outside vendors to identify and resolve loan closing issues.
• Conducted pre-funding and funding activities for over 60 monthly applications.
• Assessed customer account histories to determine previous compliance with payment plans and loan terms.
• Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
• Reviewed and validated details of loan applications and closing documentation.
• Set up, stored and updated customer files, department records and regulatory paperwork.
• Cultivated productive relationships with clients, realtors and title/escrow officers to increase profits and expand customer base.
• Worked with Loan Officer to create application profile in system and review key information at various stages within process.
• Compiled sales leads and managed contacts with Blend and Byte.
• Maintained referral pipeline by reaching out regularly to real estate agents, referral partners and past clients.
• Monitored key dates to obtain information by deadlines.
• Scheduled meetings and appointments and maintained well-organized master calendar.
• Assembled important paperwork and disclosures for borrower.
• Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
• Documented borrower's information in loan processing system and resolved any discrepancies.
• Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
• Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
• Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
• Improved overall financial reporting by streamlining control processes and reporting structures.
• Performed routine closings, maintained clean, accurate and accessible records and kept close eye on transaction updates throughout each quarter.
• Worked flexible hours across night, weekend and holiday shifts.

• Set up and completed loan submission packages.
• Received on-going, comprehensive training on home loan products and mortgage process.
• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Upheld complete confidentiality of all submitted information according to release guidelines.
• Completed denial and cancellation procedures on applicable files.
• Maintained compliance with privacy and security requirements, as well as federal statutes covering both QM and Non-QM loans.
• Communicated with originator and applicant concerning progress of loan file.
• Oversaw file input in mortgage software and grant-specific software.
• Evaluated approvals against established bank and government lending standards.
• Handled any conditions sent from underwriting departments.
• Coordinated closing process with attorneys, title companies and government clerks.
• Prepared file for final clear-to-close by branch management.
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
• Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
• Filed completed loan applications with underwriting and made approval or denial recommendations.
• Consulted with outside vendors to identify and resolve loan closing issues.
• Conducted pre-funding and funding activities for over 60 monthly applications.
• Assessed customer account histories to determine previous compliance with payment plans and loan terms.
• Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
• Reviewed and validated details of loan applications and closing documentation.
• Set up, stored and updated customer files, department records and regulatory paperwork.
• Cultivated productive relationships with clients, realtors and title/escrow officers to increase profits and expand customer base.
• Worked with Loan Officer to create application profile in system and review key information at various stages within process.
• Compiled sales leads and managed contacts with Blend and Byte.
• Maintained referral pipeline by reaching out regularly to real estate agents, referral partners and past clients.
• Monitored key dates to obtain information by deadlines.
• Scheduled meetings and appointments and maintained well-organized master calendar.
• Assembled important paperwork and disclosures for borrower.
• Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
• Documented borrower's information in loan processing system and resolved any discrepancies.
• Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
• Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
• Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
• Improved overall financial reporting by streamlining control processes and reporting structures.
• Performed routine closings, maintained clean, accurate and accessible records and kept close eye on transaction updates throughout each quarter.
• Worked flexible hours across night, weekend and holiday shifts.

• Set up and completed loan submission packages.
• Received on-going, comprehensive training on home loan products and mortgage process.
• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Upheld complete confidentiality of all submitted information according to release guidelines.
• Completed denial and cancellation procedures on applicable files.
• Maintained compliance with privacy and security requirements, as well as federal statutes covering both QM and Non-QM loans.
• Communicated with originator and applicant concerning progress of loan file.
• Oversaw file input in mortgage software and grant-specific software.
• Evaluated approvals against established bank and government lending standards.
• Handled any conditions sent from underwriting departments.
• Coordinated closing process with attorneys, title companies and government clerks.
• Prepared file for final clear-to-close by branch management.
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
• Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
• Filed completed loan applications with underwriting and made approval or denial recommendations.
• Consulted with outside vendors to identify and resolve loan closing issues.
• Conducted pre-funding and funding activities for over 60 monthly applications.
• Assessed customer account histories to determine previous compliance with payment plans and loan terms.
• Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
• Reviewed and validated details of loan applications and closing documentation.
• Set up, stored and updated customer files, department records and regulatory paperwork.
• Cultivated productive relationships with clients, realtors and title/escrow officers to increase profits and expand customer base.
• Worked with Loan Officer to create application profile in system and review key information at various stages within process.
• Compiled sales leads and managed contacts with Blend and Byte.
• Maintained referral pipeline by reaching out regularly to real estate agents, referral partners and past clients.
• Monitored key dates to obtain information by deadlines.
• Scheduled meetings and appointments and maintained well-organized master calendar.
• Assembled important paperwork and disclosures for borrower.
• Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
• Documented borrower's information in loan processing system and resolved any discrepancies.
• Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
• Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
• Reviewed team underwriting decisions to identify incorrect actions and reverse previous decisions when merited.
• Improved overall financial reporting by streamlining control processes and reporting structures.
• Performed routine closings, maintained clean, accurate and accessible records and kept close eye on transaction updates throughout each quarter.
• Worked flexible hours across night, weekend and holiday shifts.
• Maintained and managed customer files and databases.
• Handled various customer service complaints daily handling quick resolutions for customer whether it was loan still in process or closed loan.
• Communicated with management when customer issues escalated and worked to find resolutions.
• Initiated outbound calls to respond to inquiries and to follow-up with previous contacts.
• Monitored entire pipeline status for Operations Department and assigning loans to all loan processors.