Aaren Lacey Dow
Hancock
Summary
Knowledgeable Loan Processor offering expertise in legal statutes and established lending guidelines. Excellent communication and negotiation skills. Offering a 14-year history of successful loan and mortgage processing. 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
11
11
years of professional experience
1
1
Certification
Work History
Contract Mortgage Processor
Priority Processing Mortgage Group
03.2022 - Current
- 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.
- Handled any 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.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Set up and completed loan submission packages.
- Coordinated closing process with attorneys, title companies and government clerks.
- Evaluated approvals against established bank and government lending standards.
- Oversaw file input in mortgage software and grant-specific software.
- Verified credit histories, personal references, and employment backgrounds for each applicant.
- Reviewed and validated details of loan applications and closing documentation.
- Exceeded goals through effective task prioritization and great work ethic
- Used coordination and planning skills to achieve results according to schedule, fastest clear to close date 4 days with non-qm
Recruiter
Recruit Right
01.2022 - Current
- Evaluated strengths and weaknesses of candidates through effective screening processes.
- Generated specific candidate pool for career opportunities through strategic placement of advertisements, evaluation of applicant credentials, and conducting initial interviews and pre-screening assessments.
- Operated and maintained applicant tracking and candidate management systems.
- Developed recruiting strategies to identify qualified candidates and build network.
- Leveraged social media platforms and online job boards to advertise open positions and engage with potential candidates.
- Followed up with notable applicants sourced via industry-specific pipelines, events, and job fairs.
- Verified applicant references and employment details.
- Compiled and produced qualified candidates' information for hiring manager review and liaised between parties to coordinate formal, management interviews.
Radiology Clerk
Eastern Maine Medical Center
09.2021 - 12.2022
- Educated patients on procedure details, provided instructions, and answered questions to minimize anxiety and improve cooperation.
- Handled private and confidential information in compliance with hospital policies and procedures.
- Reviewed physicians' orders to determine medical imaging needs and operated radiologic equipment to capture, develop and produce diagnostic images.
- Maintained accuracy, completeness and security for medical records and health information.
- Input data into computer programs and filing systems.
- Reviewed medical records for completeness and filed records in alphabetic and numeric order.
- Maintained database for storage and retrieval of medical records.
- Assisted other Registration Clerks with front desk duties, answering questions and accurately using reservation system.
- Explained form wording to patients to help each understand information required.
- Operated standard office software applications to compile data and prepare information and correspondence.
- Processed medical records requests, assuring release only to appropriate parties with proper authorization.
Loan Processor
Crosscountry Mortgage Inc/ PRMG
09.2020 - 10.2021
- Held pipeline at minimum of 40 loans month to month closing over $2 million in loans at minimum to over $4 million in loans
- Average month was around $3.5 million in closed loans
- Reviewed initial disclosures, ensuring TRID complied, reviewed documents prepared by Loan Partner, pre-reviewed loans before loans were sent to underwriting, assigning conditions to borrower, title companies, realtors, employers, and Loan Partner
- Helped train and develop new employees with desire to have them step easily into Processor role if needed
- Utilized as in-branch resource and worked closely with both Loan Officers
- Worked with variety of loans such as USDA/FHA/VA/Conventional/ARMS assisted most unique loan scenarios
- Achievement Highlights: Handled average of 50 files monthly
- Outperformed company average in achieving loan-processing turn-around time of 20 days or less (compared to typical 20 to 45 days)
- Provided expedient service cited as key to consistently high customer satisfaction o Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings
- Processed challenging loan applications (e.g., first-time borrowers, self-employed applicants, and borrowers with problematic credit histories).
Senior Member Service Representative
Navy Federal Credit Union
09.2013 - 02.2020
- Helped large volume of customers every day with positive attitude and focus on customer satisfaction.
- Learned and maintained in-depth understanding of product and service information to offer knowledgeable and educated responses to diverse customer questions.
- Learned internal systems and related service role duties to provide skilled team backup in handling customer demands.
- Resolved concerns with products or services to help with retention and drive sales.
- Assisted members with correcting account, service and system issues by educating on required forms and technical processes.
- Researched and rapidly resolved client conflicts to maintain key accounts.
- Followed up with customers regularly via phone and email to obtain payments and schedule services.
- Described product highlights and benefits to help guide purchasing decisions.
- Trained and directed new employees in call script use, conflict resolution, and data entry practices to boost customer satisfaction ratings.
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
- Investigated and resolved customer inquiries and complaints quickly.
- Educated customers about billing, payment processing, and support policies and procedures.
- Reduced average wait time by 80% with optimal wait time control and proper use of internal knowledge bases
Education
Associate of Applied Science - Business Management
Eastern Maine Community College
Bangor, ME06.2023
High School Diploma -
Mohonasen High School
Schenectady, NY05.2008
Skills
- Appraisal Compilation
- Active Listening
- Information Verification
- Critical Thinking
- Customer Accounts Management
- Contract Finalization
- Government Standards
- Financial Document Review
Certification
- Licensed Mortgage Loan Officer NMLS 929093 - Maine, Texas and Florida
Timeline
Contract Mortgage Processor
Priority Processing Mortgage Group
03.2022 - Current
Recruiter
Recruit Right
01.2022 - Current
Radiology Clerk
Eastern Maine Medical Center
09.2021 - 12.2022
Loan Processor
Crosscountry Mortgage Inc/ PRMG
09.2020 - 10.2021
Senior Member Service Representative
Navy Federal Credit Union
09.2013 - 02.2020
Associate of Applied Science - Business Management
Eastern Maine Community College
High School Diploma -
Mohonasen High School
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