Summary
Overview
Work History
Education
Skills
Timeline
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Rebekah Smith

Fuquay-Varina,NC

Summary

I have been in this industry for many years, processing thru recessions as well as the aftermath of the 2008 housing market collapse. I know how to look at a file up front and determine potential issues as well as solutions. I am well versed in FHA, VA, USDA, and Conventional loan guides and regulations. I have retained my loan officer license, and complete hours of continuing education each quarter to stay up to date with compliance.

Overview

17
17
years of professional experience

Work History

Loan Processor Manager

CrossCountry Mortgage, LLC
08.2021 - Current
  • Worked with Loan Processing Team Members to develop efficient processes
  • Managed processors in my branch to verify they are following current mortgage laws and best practices.
  • Handled communication between loan officers, branch manager, and borrowers
  • Enacted time saving procedures to verify processors are working thru loans and contacting third parties in a timely manner.
  • Maximized performance by monitoring daily activities and mentoring team members.
  • Managed and motivated employees to be productive and engaged in work.
  • Accomplished multiple tasks within established timeframes.

Loan Processor

CrossCountry Mortgage, LLC
11.2011 - Current
  • 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.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Set up and completed loan submission packages.
  • Developed and maintained relationships with customers and loan officers to establish smooth loan process.
  • Utilized loan origination software to process and track loan applications.
  • Handled any conditions sent from underwriting departments.
  • Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
  • Provided quick turnaround times to maintain fast-past schedule.
  • Collaborated with loan officers to develop strategies for managing loan application processing.
  • Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Monitored pipelines to track and log status of loans.
  • Developed and maintained relationships with customers, lenders and other third parties.

Mortgage Loan Processor

Allied Home Mortgage Capital Corporation
09.2008 - 11.2011
  • Handled any conditions sent from underwriting departments.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Set up and completed loan submission packages.
  • Communicated with originator and applicant concerning progress of loan file.
  • Analyzed borrower credit reports and income statements to verify accuracy.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Prepared file for final clear-to-close by branch management.
  • Received on-going, comprehensive training on home loan products and mortgage process.
  • Upheld complete confidentiality of all submitted information according to release guidelines.

Customer Service Representative

National City Bank
08.2006 - 08.2008
  • Handled customer inquiries and suggestions courteously and professionally.
  • Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
  • Answered constant flow of customer calls with minimal wait times.
  • Answered customer telephone calls promptly to avoid on-hold wait times.
  • Updated account information to maintain customer records.
  • Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.

Education

Loan Officer License - Mortgage Loan Origination

Hondros College of Business
Westerville, OH
07.2009

High School Diploma -

Benjamin Logan High School
Bellefontaine, OH

Skills

  • Escrow and Attorney Communication
  • Teamwork and Collaboration- Efficiency Review
  • File Management
  • Application Process Management
  • Document Management
  • Mortgage Loan Software- Calyx Point, and ICE Encompass
  • Application Review
  • Attention to Detail
  • Regulatory Compliance
  • Proficient in Microsoft Office and Encompass
  • Loan Submissions
  • Information Verification

Timeline

Loan Processor Manager

CrossCountry Mortgage, LLC
08.2021 - Current

Loan Processor

CrossCountry Mortgage, LLC
11.2011 - Current

Mortgage Loan Processor

Allied Home Mortgage Capital Corporation
09.2008 - 11.2011

Customer Service Representative

National City Bank
08.2006 - 08.2008

Loan Officer License - Mortgage Loan Origination

Hondros College of Business

High School Diploma -

Benjamin Logan High School

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Rebekah Smith