Pam Rucker
Hendersonville,TN
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
28
28
years of professional experience
1
1
Certification
Work History
Mortgage Loan Processor
Old National Bank
10.2021 - Current
- Prepare file for final clear-to-close by branch management.
- Work with customers via telephone and email to answer questions, process transactions, and resolve issues.
- Facilitate smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.
- Analyze credit reports to assess risk and determine applicants' ability to repay loans.
- Verify credit histories, income and employment backgrounds for each applicant.
- Expedite mortgage approval times by proactively resolving any discrepancies in borrower documentation.
- Processed mortgage loan applications accurately and successfully for over 13 years.
- Assisted in closing loans by efficiently gathering required documentation and submitting applications.
- Supported loan officers with application processing, ensuring timely completion for quicker decisions.
- Streamlined communication between underwriters and loan officers, resulting in improved turnaround times.
- Increased client satisfaction by providing exceptional customer service throughout loan process.
- Facilitated smooth loan closings by coordinating with title companies, attorneys, and borrowers.
- Managed pipeline of mortgage applications, maintaining accuracy and prioritizing urgent cases.
- Expedited pre-approval processes by accurately evaluating applicant income, credit history, and property values.
Mortgage Loan Processor
Bank Of England Mortgage
07.2019 - 09.2021
- Managed high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Prepared file for final clear-to-close by branch management.
- Worked with customers via telephone and email to answer questions, process transactions, and resolve issues.
- Facilitated smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Verified credit histories, income and and employment backgrounds for each applicant.
- Processed mortgage loan applications accurately and successfully for over 15 years.
Mortgage Loan Processor
First Community Mortgage
12.2010 - 06.2019
- Managed high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Prepared file for final clear-to-close by branch management.
- Worked with customers via telephone and email to answer questions, process transactions, and resolve issues.
- Facilitated smooth closing processes by collaborating effectively with title companies, appraisers, and attorneys.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Verified credit histories, income and and employment backgrounds for each applicant.
- Processed mortgage loan applications accurately and successfully for over 15 years.
Senior Loan Administrator, AVP
Bank Of America Construction Lending
10.1996 - 05.2010
- Processed complex residential real estate development loans, term loans, lines of credit, and letters of credit.
- Managed diverse portfolio of loans, prioritizing tasks to meet deadlines while maintaining accuracy and attention to detail.
- Monitored pipelines to track and log status of loans.
- Maintained detailed records of loan transactions, ensuring accurate reporting and data entry.
- Served as subject matter expert on lending policies and industry best practices, training new hires when needed.
- Developed and maintained relationships with customers, lenders and other third parties.
Education
High School Diploma -
Hillwood High School
Nashville, TN05.1984
Skills
- Strong Communication Skills
- Time Management Capabilities
- Decision-Making
- Mortgage Underwriting Expertise
- Problem Solving
- Property Appraisals
- Pipeline Management
- Financial document review
- Credit evaluation abilities
- Proficient in Encompass
Certification
- Paralegal Certification, Southeastern Paralegal Institute, Nashville, TN, August, 1996
Timeline
Mortgage Loan Processor
Old National Bank
10.2021 - Current
Mortgage Loan Processor
Bank Of England Mortgage
07.2019 - 09.2021
Mortgage Loan Processor
First Community Mortgage
12.2010 - 06.2019
Senior Loan Administrator, AVP
Bank Of America Construction Lending
10.1996 - 05.2010
High School Diploma -
Hillwood High School
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