Shannon Hammer
Lutz,FL
Summary
Skilled Processor that is knowledgeable about the current market. Proficient time managment and collaborative team player trained in loan and underwriting processes. I am a loan processor bring 11 years of experience in banking and financial positions. Highly skilled in working well with people of all backgrounds to complete loan packages. Seasoned Loan Processor focused on improving the banks loan program through skilled and efficient service to customers according to program parameters.
Successfully manages high volumes of loan documentation in fast-paced environments with demanding productivity, funding and customer expectations.
Lastly, Familiar with verifying tax, credit, employment income, personal and residential histories. Comfortable working alone or with team members to accomplish tasks and enhance process.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Mortgage Underwriter
PennyMac Loan Services
12.2023 - Current
- Approved or denied loans based on established criteria and underwriting guidelines.
- Achieved high levels of accuracy in data entry and analysis, ensuring streamlined processes throughout the mortgage underwriting lifecycle.
- Created and implemented underwriting procedures and strategies to accurately and efficiently process loan applications.
- Developed strong working relationships with external vendors for efficient management of property appraisals and title searches.
- Reduced processing time for mortgage applications through diligent management of underwriting tasks.
Mobile Notary
Hammer Notary
03.2022 - Current
- Generated reports, uploaded documents into digital storage and prepared client case affidavits.
- Checked documents and identifying credentials for all parties.
- Updated journal with names and dates for permanent record.
- Maintained comprehensive understanding of digital fraud and electronic signature verification, keeping sensitive documents secure and verifying authenticity.
- Met with clients in person to execute documents in an envir nment to witness signings.
- Supported timely and accurate administrative task completion.
Mortgage Junior Underwriter
Aston Carter Contractor for PennyMac
02.2023 - 12.2023
- Conducted thorough research on applicants'' financial history, enabling accurate evaluation of their creditworthiness.
- Identified potential risks associated with specific loan applications, mitigating financial exposure for the organization.
- Implemented strategies to streamline operations while maintaining a strict focus on risk management and loss prevention.
- Streamlined the loan decision-making process by effectively managing workload and consistently meeting deadlines.
- Demonstrated expertise in various types of loans, including FHA, VA, and conventional mortgages.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
Senior Mortgage Processor
LoanDepot.com, LLC
06.2015 - 10.2022
- Set up and completed loan submission packages.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Communicated with originator and applicant concerning progress of loan file.
- Coordinated closing process with attorneys, title companies and government clerks.
- Discussed loan needs and finanial histories with clients and conveyed information regarding application processes.
- Evaluated financial statements and contacted institutions and customers to clarify details.
- Upheld compliance with privacy and security requirements, as well as federal status covering goverment loans, conventional loans and purchases.
Paralegal
Mader Law Group
02.2010 - 05.2015
- Assisted counsel in preparing answers, providing documentation and information for discovery request.
- Drafted responses for exceptions on foreclosure procedural errors.
- Prepared legal briefs, motions and pleadings.
- Managed billable hour tracking, payroll, client invoicing and schedules for [Number]-attorney office.
- Identified and analyzed legal documents, discoveries and contracts.
- Organized client calendars, prepared mailings and handled high call volumes.
- Completed notary signings for mortgages and legal documents.
Senior Mortgage Loan Processor
AmeriFirst Financial, Inc.
04.2005 - 01.2009
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Created and completed loan submission packages to underwriters.
- Checked approvals against established bank and government lending standards.
- Examined and verified information in loan application and closing documents.
- Carried out pre-funding and funding functions.
Education
High School Diploma -
Dundee Community High School
Dundee, MIAssociate of Science - Science
Monroe County Community College
Monroe, MIBachelor of Science - Physical Therapy
University of Toledo
Toledo, OHSkills
- P>Appraisal compilation
- P>Application preparation
- P>Appraisals
- P>Financial document review
- P>Created reports
- P>Information Verification
- P>Customer Communication
- P>Mortgage loan software
- P>Mobile Notary
Certification
Licensed Notary State of Florida
Timeline
Mortgage Underwriter
PennyMac Loan Services
12.2023 - Current
Mortgage Junior Underwriter
Aston Carter Contractor for PennyMac
02.2023 - 12.2023
Mobile Notary
Hammer Notary
03.2022 - Current
Senior Mortgage Processor
LoanDepot.com, LLC
06.2015 - 10.2022
Paralegal
Mader Law Group
02.2010 - 05.2015
Senior Mortgage Loan Processor
AmeriFirst Financial, Inc.
04.2005 - 01.2009
High School Diploma -
Dundee Community High School
Associate of Science - Science
Monroe County Community College
Bachelor of Science - Physical Therapy
University of Toledo