Summary
Overview
Work History
Education
Skills
Timeline
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Pamela Prater

Jacksonville,FL

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. Knowledgeable Loan Processor offering expertise in established lending guidelines. Good communication and negotiation skills. Offering 10+year history of successful loan and mortgage processing. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.

Overview

19
19
years of professional experience

Work History

Mortgage Loan Processor

Newrez LLC
Jacksonville, FL
02.2021 - 04.2022
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Primary contact for processing of mortgage applications for Conventional, FHA and VA loans.
  • Prepared file for final clear-to-close by branch management.
  • Handled any conditions sent from underwriting departments.
  • 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.
  • Coordinated closing process with attorneys, title companies and government clerks.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Reviewed and validated details of loan applications and closing documentation.

Scheduling Manager/Medical Transportation

OneCall
Jacksonville, FL
02.2019 - 02.2021
  • Performed administrative duties such as faxing and filing confidential documents, answering telephones and responding to emails.
  • Coordinated primary staff and physician schedules to guarantee optimum duty coverage.
  • Verified system information for accuracy and integrity and filled in gaps by conducting research and reaching out to customers or internal personnel.
  • Served as central point of contact for all outside vendors.
  • Prepare, document and submit prior authorization to network health plans as needed for member special needs.
  • Communicate directly with nurse, case managers and facilities to provide updates for medical transport.
  • Inbound/Outbound intake calls to collect data and perform member pre-screening and effectively determine qualifications and the correct mode of transportation required for medical transport.

Mortgage Loan Processor

Bank Of America
Jacksonville, FL
09.2009 - 03.2018
  • Fostered relationships with vendors to promote positive working relationships.
  • NMLS Certification.
  • Process mortgage loans from origination to closing for Merrill Lynch Wealth platinum clients.
  • High volume and fast pace environment.
  • Act as primary contact and liaison for credit underwriter, loan officer and financial advisor.
  • Perform data entry, document gathering, employment verification, appraisal update, title update and social security validation.
  • Pipeline management to ensure timely processing of mortgage applications.

Fraud Analyst

Bank Of America
Jacksonville, FL
10.2015 - 10.2016
  • Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
  • Analyzed large amounts of data to find patterns of fraud and anomalies.
  • Contacted customers directly to notify of fraudulent activity and minimize impacts.
  • Collaborated with team members to discuss fraud trends and brainstorm methods to combat this type of crime.

Customer Relationship Manager

Bank Of America
Jacksonville, FL
12.2014 - 10.2015
  • Managed customer relations on ongoing basis to maximize customer retention.
  • Act as customer advocate for customers applying for mortgage loan modifications.
  • Inbound/Outbound calls with data collection and pre-screening to determine customer qualifications and needs.
  • Effectively communicate modification decisions or other workout programs to customers.
  • Understand and relay specific documentation requirements to customers.

Mortgage Loan Processor

Bank Of America
Jacksonville, FL
09.2009 - 10.2014
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Prepared file for final clear-to-close by branch management.
  • High volume and fast pace environment.
  • Data entry and document gathering to include daily communication with title office, insurance company, appraisal service and employers for employment verifications.
  • Handled conditions sent from underwriting departments.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Communicated with originator and applicant concerning progress of loan file.
  • Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
  • Coordinated closing process with attorneys, title companies.

Education

High School Diploma -

Florida Community College of Jacksonville
Jacksonville, FL
1982

Skills

  • Experience with word, excel and outlook
  • Effective verbal and written communication skills
  • familiar with mortgage documents

Timeline

Mortgage Loan Processor

Newrez LLC
02.2021 - 04.2022

Scheduling Manager/Medical Transportation

OneCall
02.2019 - 02.2021

Fraud Analyst

Bank Of America
10.2015 - 10.2016

Customer Relationship Manager

Bank Of America
12.2014 - 10.2015

Mortgage Loan Processor

Bank Of America
09.2009 - 03.2018

Mortgage Loan Processor

Bank Of America
09.2009 - 10.2014

High School Diploma -

Florida Community College of Jacksonville

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Pamela Prater