SAHER FATEMA
McKinney,TX
Summary
Demonstrates strong analytical, communication, and teamwork skills, with proven ability to quickly adapt to new environments. Eager to contribute to team success and further develop professional skills. Brings positive attitude and commitment to continuous learning and growth. Committed to making meaningful contributions and advancing organizational goals.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Business Operations - National Transition Team
Guaranteed Rate
08.2024 - Current
- Detailed-Oriented and customer-focused professional with 2+ years of experience in loan processing and customer service.
- Collaborated with a team of 6 to process over 50 loan applications per week with a 98% accuracy using Encompass software.
- Handled any conditions sent from underwriting departments professionally.
- Collected and compiled paperwork such as employment verification, title abstracts, insurance paperwork, loan files and tax histories.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Assisted in resolving customer complaints, following procedures to find mutually beneficial solutions.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
- Contributed to a high team performance by meeting individual targets consistently while supporting colleagues in achieving their goals as well.
- Demonstrated adaptability when faced with policy changes or new software implementations, quickly mastering new protocols for seamless integration into daily operations.
- Assisted underwriters in evaluating loan applications by providing relevant information and supporting documentation.
- Managed multiple tasks simultaneously, ensuring deadlines were met without compromising the quality of work produced.
- Enhanced customer satisfaction with timely communication on the status of their loans, addressing concerns and answering queries.
- Reduced processing time for loan applications through diligent management of workflow and task prioritization.
- Provided exceptional customer service to 30+ borrowers daily, answering questions and guiding them through the loan process
Licensed Sales Assistant
Guaranteed Rate Inc.
11.2022 - 08.2024
- Developed new business opportunities through proactive networking at industry events and conferences.
- Continuously upgraded professional knowledge by attending training sessions related to licensing requirements.
- Taking applications from the VP’s clients in person and by phone, performing required and permitted licensable activities, and otherwise supporting origination activity.
- Boosted client satisfaction by providing exceptional customer service and addressing inquiries promptly.
- Enhanced sales performance by identifying potential leads and cultivating strong client relationships.
- Exceeded quarterly sales targets consistently through diligent follow-up efforts with potential clients.
- Streamlined administrative tasks for increased efficiency, managing daily correspondence and documentation.
- Attended continuing education courses and workshops to gain additional insurance industry knowledge.
- Maintaining calendars and scheduling meetings, closings and creating calendar invitations, and following up timely with customers and potential borrowers
- Ensuring applications are complete, and entering notes into the file for processing
- Prepare pre approval letters after qualification of the loan application and communicating it with the loan officer
- Monitor the loan from application through the closing process, maintaining effective communications with customers, referral sources, and loan support staff.
- Pipeline Inspection: review the pipeline to check for challenges and assess daily turn times to minimize lock expirations, missed contingency and scheduled close times
- Lock, update, change or extend investor locks with Commitment Desk as necessary
- Change/extend loans and request pricing expectations as needed or requested
- Database management including coordinating weekly correspondence to borrowers who recently closed a loan
- Coordinate with the Marketing Department to create marketing materials for agents
- Complete tasks in a timely manner and work amicably with others and the POD
- Other marketing duties and responsibilities as assigned by VPs and Regional Sales Manager.
Production Assistant
Caliber Home Loans Inc.
01.2020 - 11.2022
- Processed day-to-day pipeline size from 30 to 45 Residential Purchase and Refinance Loans: Conventional Conforming and Non-Conforming: Full Doc, Rapid Doc Purchase Loans & Full Doc, Making Homes Affordable Streamline Refinance Loans.
- Collected and reviewed documentation producing error-free loan packages: Income Documentation, Asset Documentation, Employment Verification, Title Packages, Tax Returns & Transcripts, Homeowner’s Insurance and Land Surveys.
- Utilized and maintained underwriting signature authority to approve/meet first level loan conditions: Employment, Appraisals, Homeowner’s Insurance, and 1st level Asset Documentation.
- Communicated effectively with Sales, Senior Underwriting, and Third-Party Vendors (i.e., Appraisers, Real Estate Agents, Title Offices).
- Handled first-level escalation issues and collaborated with sales, claims, and customer service teams to resolve all other customer issues in a timely, professional, and sensitive manner.
- Created a loan checklist, processed loan documents and payments, and handled highly confidential information.
Underwriting Administrative Assistant Manager
loanDepot LLC
11.2017 - 02.2019
- Provided administrative support to the loan officers, underwriter and brokers by collecting and ordering necessary documents such as flood certifications, mortgage insurance, EAD and appraisals.
- Collected and distributed documents and information pertinent to the processing and underwriting of the loan.
- Certified condominium projects for underwriters, performed reviews for underwriters, underwritten basic refinance loans
- Ensured that loan files contain documents with proper signature, dates, and other relevant data.
- Assembled and verified accuracy of loan documentation by checking documents for proper vesting, legal descriptions, closing dates, and signatures.
- Evaluated loans in order to maximize organizational profit and minimize risk or loss.
- Performed a variety of clerical duties requiring knowledge of departmental procedures.
Assistant Manager (Mortgage Loan Processor)
IDLC Finance Limited
11.2014 - 11.2016
- Company Overview: Top financial company in Bangladesh with more than $900M asset size.
- Provided support to loan officer and underwriter teams by ensuring the timely, judicious, and accurate processing of mortgages.
- Ensure clear communication between loan originator borrower lender and underwriter.
- Initiated 50+ mortgage contracts by actively analyzing client databases, identifying and reaching the prospective clients.
- Reviewed and verified borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submission.
- Ensured compliance with company policies, underwriting guidelines and lending-program requirements.
- Maintained clients’ file of loan documentation from pre-approval through closing.
- Served the department as a central point of information for business relationship related matters.
- Developed and maintained positive working relationship with existing clients by serving as a primary point of contact for questions, concerns, etc.
Loan Administration
IDLC Finance Limited
05.2014 - 11.2014
- Open loan files when a request comes in
- Verify and validate initial information at the inception of the loan
- Check for accuracy after loan originator completes disclosure package
- Collect statistical data and prepare monthly reports
- Maintain ledgers on individual accounts
- Troubleshoot issues related to credit reports, surveys and appraisals
- Answered customer calls to discuss loan products and programs
Management Trainee
IDLC Finance Limited
11.2013 - 05.2014
- Made some valuable recommendations to facilitate clients which led to updating of the bank’s policy and procedure manual regarding mortgage
- Developed a highly comprehensive promotional booklet featuring all the loan services offered by the company along with down payment and installment plans
- Worked on a loan tracking system that checks loan applications for factual errors from the very beginning till the realization of the loan
Education
Master of Business Administration (MBA) - Finance, Marketing
Institute of Business Administration (IBA), University of Dhaka
01.2013
Bachelor of Business Administration (BBA) - Finance, Marketing
United International University
01.2010
Skills
- Extremely competent professional with a strong knowledge of the mortgage industry and direct experience with originations and/or underwriting, processing, closing, and funding; can understand guidelines, mortgage policies and procedures and exposure to all sides of operations/fulfillment
- Mortgage industry professional with loan-processing experience of seven (07) years and a comprehensive knowledge of conventional; jumbo and government loan programs
- Diligent and detail-oriented, thorough in gathering borrower information, verifying loan documents, and reviewing file documentation to guide each loan from pre approval to closing
- Substantial knowledge of real estate terminology and departmental procedures, loan related documentation requirements and relevant state issued regulations
- Computer savvy in MS Office Suite and some mortgage-processing software
- Highly recognized for professionalism, sincerity, productivity and fast learning Result Driven
Certification
- Licensed in TX
NMLS ID: 1623345 (Status: Approved, Inactive)
Languages
Hindi
Full Professional
Urdu
Full Professional
Bengali
Full Professional
English
Full Professional
Timeline
Business Operations - National Transition Team
Guaranteed Rate
08.2024 - Current
Licensed Sales Assistant
Guaranteed Rate Inc.
11.2022 - 08.2024
Production Assistant
Caliber Home Loans Inc.
01.2020 - 11.2022
Underwriting Administrative Assistant Manager
loanDepot LLC
11.2017 - 02.2019
Assistant Manager (Mortgage Loan Processor)
IDLC Finance Limited
11.2014 - 11.2016
Loan Administration
IDLC Finance Limited
05.2014 - 11.2014
Management Trainee
IDLC Finance Limited
11.2013 - 05.2014
Bachelor of Business Administration (BBA) - Finance, Marketing
United International University
Master of Business Administration (MBA) - Finance, Marketing
Institute of Business Administration (IBA), University of Dhaka
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