SHANTA LANGHORNE
Richmond,VA
Summary
Dynamic mortgage and financial operations professional with over 15 years of experience enhancing control frameworks, conducting root cause analyses, and ensuring compliance within regulated lending environments. Expertise includes evaluating workflow inefficiencies, identifying documentation gaps, and implementing targeted remediation strategies to strengthen customer-impact controls related to collections, delinquency management, and communication accuracy. Proven track record in independent issue investigation and fostering cross-functional collaboration, resulting in clear, actionable recommendations that effectively mitigate risks and protect vulnerable customer populations. Committed to driving operational excellence and delivering sustainable improvements in financial processes.
Overview
11
11
years of professional experience
1
1
Certification
Work History
HELOC Loan Processor (Contractor)
Virginia Credit Union
01.2025 - Current
- Act as the escalation point for complex HELOC loan files, resolving title discrepancies, credit anomalies, and collateral valuation issues that frontline processors cannot resolve
- Conduct cross-functional risk assessments and audits to prevent operational loss and strengthen compliance.
- Investigate document discrepancies and implement protective measures against potential fraud or misused
- Conduct post-closing audits to confirm title, lien, and document accuracy before file delivery.
- Validate collateral and recorded documents to ensure lien perfection and compliance.
- Track and report outstanding documents, coordinating with title companies and borrowers for corrections.
- Supported Empower data validation and system updates to ensure file integrity.
Homeowner Service Coordinator
Richmond Habitat for Humanity
01.2023 - 01.2025
- Served as liaison for internal stakeholders and homeowners, ensuring accurate tracking and entry of client data.
- Accompanied clients to settlement closings, assisting them with understanding mortgage documents.
- Actively worked with court systems to ensure proper deed releases and recordings.
- Managed deed releases and settlement files, ensuring accurate recordation and mortgage satisfaction.
- Processed legal housing documents and tracked post-closing corrections.
- Implemented data templates improving housing document tracking and reporting accuracy by 25%.
- Performed pre-closing documentation preparation, deed validation and settlement coordination ensuring accurate lien release tracking and legal compliance alignment.
- Verified title, vesting and homeowner required documents prior to execution which reduced post-closing correction risk.
- Collaborated with closing attorneys and settlement partners to ensure correct recordation steps and documentation handling standards.
Mortgage Loan Processor III
Truist Bank (formerly SunTrust)
11.2014 - 12.2023
- Cleared complex conditions and issued changes to the terms on previously approved loans.
- Resolved and investigated routine title issues including vesting issues, judgment liens, and undisclosed liens.
- Reviewed and cleared post-closing conditions; verified documentation compliance prior to loan sale.
- Collaborated with closing and post-closing departments to resolve trailing document exceptions.
- Maintained 98% QC rating while processing high-volume files, supporting clean audit outcomes.
- Manage a high-volume pipeline of 60+ conventional, FHA, VA, and portfolio mortgage loans from application through closing, ensuring accuracy, compliance, and timely delivery.
- Review and validate borrower documentation including income, assets, liabilities, credit reports, title commitments, and appraisals in accordance with investor and regulatory guidelines (Fannie Mae, Freddie Mac, FHA, VA).
- Perform thorough quality checks to ensure compliance with TRID, RESPA
- Train and mentor new processors on departmental procedures, system navigation (Empower, Encompass, MeridianLink), and compliance best practices.
- Prepared and reviewed closing packages for investor, insurer and secondary market requirements ensuring data integrity and execution compliance.
- Interpreted TRID / CD documentation requirements and collaborated with closers to support accurate final disclosure delivery timelines.
- Verified vesting, title policy accuracy, payoff accuracy and escrow setup to support closing readiness and reduce funding exceptions.
Education
High School Diploma -
George Wythe High School
Richmond06-1998
Skills
- Document management and audit
- Mortgage compliance and quality assurance
- Proficient in Dark Matter, Encompass, MSP, Calyx, FISERV, DocuSign, and Adobe Acrobat
- Quality control auditing experience
- Workflow optimization expertise
Certification
- Loan Signing Agent Certification – National Notary Association (NNA)
- Virginia Notary Public
- Virginia Housing Habitat Homebuyers Education Excel Certification – Jan 2024
- Fair Housing & Housing Counseling Certification – May 2024
- Accounting Coursework | Bryant & Stratton College
Timeline
HELOC Loan Processor (Contractor)
Virginia Credit Union
01.2025 - Current
Homeowner Service Coordinator
Richmond Habitat for Humanity
01.2023 - 01.2025
Mortgage Loan Processor III
Truist Bank (formerly SunTrust)
11.2014 - 12.2023
High School Diploma -
George Wythe High School
CAREER HIGHLIGHTS
- Profit-maximizing Contributor - Reduced processing errors by 15% at Virginia Credit Union by creating an internal loan checklist system.
- Title, Escrow, Credit, and Collateral Verification
- Claims Review, Loss Mitigation, and Regulatory Compliance
- Supported platform conversion project, leading training and documentation that ensured 100% compliance during rollout.
- Efficiency Conscience- Redesigned reporting templates that improved housing data accuracy and operational decision-making at Habitat for Humanity.
- Quality Control- Maintained a top-quality rating of 98%, month over month, while processing high-volume pipelines, directly supporting clean audit outcomes, at Truist Bank.
- Certified Loan Signing Notary- 100% accuracy while facilitating mortgage closings and ensuring compliance with state and federal regulations.
- Consistently recognized for meeting or exceeding loan processing goals while improving client satisfaction scores.