Precious London
Charlotte,NC
Summary
Dedicated interviewing professional with experience in the banking and financial services industry. Proven ability to provide excellent customer service, assess clients' financial needs, and ensure accuracy of documents. Experienced in the use of loan software systems to accurately process applications and ensure compliance with federal regulations. Able to work in fast-paced environments and remain calm under pressure. Highly organized and self-motivated with excellent communication and interpersonal skills. Demonstrated ability to prioritize tasks and meet tight deadlines.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
9
9
years of professional experience
1
1
Certification
Work History
Mortgage Loan Processor
NVR Mortgage
07.2024 - Current
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Handled any conditions sent from underwriting departments.
- Prepared file for final clear-to-close by branch management.
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
- Maintained accurate records of loan processing activities and documents in CRM system.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Improved overall organizational efficiency by maintaining accurate electronic files of all mortgage-related documents within company databases.
- Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
- Contributed to business growth through diligent work on complex loan applications that resulted in successful closings.
Licensed Loan Officer Assistant/Processor
Movement Mortgage
04.2019 - 06.2024
- Assisted Loan Officers with preparing pre-qualification letters for potential clients
- Performed quality control reviews on completed loan packages prior to submission
- Reviewed all documents related to the loan application process for accuracy and completeness prior to submission to underwriters or investors
- Identified discrepancies between borrower's credit report results versus actual income reported during the application process
- Maintained updated knowledge of industry changes pertaining to lending regulations and guidelines
- Collaborated with title companies, appraisers, attorneys and other professionals involved in the transaction process
- Coordinated closing activities between buyers, sellers, real estate agents, attorneys, appraisers
- Assisted in training new employees on mortgage processing procedures
- Ensured compliance with federal regulations related to mortgage lending practices
- Provided excellent customer service by responding professionally and efficiently to requests
- Managed multiple projects simultaneously while meeting tight deadlines
- Prepared reports on loan status and documentation discrepancies
- Identified potential areas of risk associated with a particular loan application
Licensed LOA
AmeriFirst Home Mortgage
08.2018 - 02.2019
- Organized paperwork required for closing transactions in a timely manner while ensuring accuracy of information provided by clients
- Reviewed all documents related to the loan application process for accuracy and completeness prior to submission to underwriters or investors
- Performed quality control reviews on completed loan packages prior to submission
- Monitored progress of each file throughout its life cycle until closing
- Maintained updated knowledge of industry changes pertaining to lending regulations and guidelines
- Verified that all documents were signed correctly according to state regulations before submitting them for review
- Identified discrepancies between borrower's credit report results versus actual income reported during the application process
Loan Processor/Loan Officer Assistant
Alpha Mortgage Corporation
04.2016 - 08.2018
- Prepare mortgage loan files by reviewing loan application and obtaining additional documentation if necessary
- Mail verification forms and contacting verification sources to verify mortgage loan application
- Ordering credit reports, appraisals, titles and related information
- Identity any deficiencies and informing all Loan Officer and Underwriter while making sure DU & LP are accurate
- Informing borrower of the status of their loan application and answering all questions
- Input all information into the computer as well as organizing the file for the Underwriter
- Participating in available courses to continue to build upon knowledge base
- Follow all laws and regulations while adhering to compliance guidelines
- Satisfying all conditions set by the Underwriter
- Help with execution of marketing for my LoanOfficer's
- Communicate with real estate agents the status of loans
Front Desk
Remax Essential
06.2015 - 04.2018
- Attracts potential customers by answering service questions; suggesting information about other services
- Keeping a clean work environment and helping my peers
- Maintains customer records by updating account information
- Resolves problems by clarifying the customer's complaint; determining the cause of the problem; selecting and explaining the best solution to solve the problem, expediting correction or adjustment; following up any customer's issues to ensure to provide a resolution
- Entering new listings into MLS systems
- Processing Broker contracts
Education
Pitt Community College
Greenville, NC01.2014
Cape Fear Community College
Wilmington, NC01.2009
Diploma -
Heide Trask High School
Rocky Point, NC01.2007
Skills
- Regulatory Requirements
- Underwriting Guidelines
- Risk Management
- Assessments
- Complex Problem-Solving
- Microsoft Office
- Financial Advisement
- File Processing
- Loan Records
- Filing and Maintenance
- Customer Satisfaction
- Principal, Interest and Payment Calculation
- Closing Costs Calculation
- Credit Applications
Certification
NMLS, 1776069
Timeline
Mortgage Loan Processor
NVR Mortgage
07.2024 - Current
Licensed Loan Officer Assistant/Processor
Movement Mortgage
04.2019 - 06.2024
Licensed LOA
AmeriFirst Home Mortgage
08.2018 - 02.2019
Loan Processor/Loan Officer Assistant
Alpha Mortgage Corporation
04.2016 - 08.2018
Front Desk
Remax Essential
06.2015 - 04.2018
Cape Fear Community College
Diploma -
Heide Trask High School
NMLS, 1776069
Pitt Community College
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