Shelley Beaupre' Abraham
Mortgage Loan Processor
Louisville,KY
Summary
Knowledgeable Loan Processor offering expertise in legal statutes and established lending guidelines. Excellent communication and negotiation skills. Offering 20 year history of successful loan and mortgage processing.
Overview
9
9
years of professional experience
Work History
Decision Certified Mortgage Loan Processor
PRIMELENDING, A PLAINSCAPITAL COMPANY
03.2015 - 04.2023
- 20 years of experience reviewing and analyzing mortgage loan applications, verifying accuracy and completeness of documentation provided by borrowers
- Processing conventional, FHA, VA
- USDA, Jumbo and Bond loans
- Generated Initial CD's, Change of Circumstances re-disclosures, Bond disclosures and Bond
- Closing packages
- Maintained large pipeline closing 20-30 loans on average month generating millions in volume
- Utilized decision-making software and tools to assess creditworthiness,evaluating factors such as income, employment history, credit score, and debt-to-income ratios
- Conducted thorough review of all necessary loan documents, including income verification, tax returns, bank statements, and property appraisals, ensuring compliance with lending guidelines and regulations
- Maintained regular communication with borrowers, loan officers, underwriters, and other relevant parties to obtain missing information, resolve discrepancies, and provide updates on loan application status
- Ensured adherence to internal policies, lending regulations, and guidelines set by regulatory bodies such as Consumer Financial Protection Bureau (CFPB), ensuring all required documentation is obtained and accurately recorded
- Received on-going, comprehensive training on home loan products and mortgage process
Sr Mortgage Loan Processor
FIRST RATE MORTGAGE
07.2014 - 03.2015
- Reviewing and analyzing mortgage loan applications, verifying accuracy and completeness of documentation provided by borrowers
- Processing conventional, FHA, VA
- USDA loans, and Reverse Mortgages
- Utilized decision-making software and tools to assess creditworthiness,evaluating factors such as income, employment history, credit score, and debt-to-income ratios while working with Brokers
- Conducted thorough reviews of all necessary loan documents, including income verification, tax returns, bank statements, and property appraisals, ensuring compliance with lending guidelines and regulations such as CFPB
- Maintained effective communications with loan officers, underwriters, and other relevant parties to obtain missing information, resolve discrepancies, and provide updates on loan application status
- Ability to multitask, prioritize, and meet deadlines in fast paced environment
Education
Some College (No Degree) - Animal Science/Pre Vet
UNIVERSITY OF MAINEAT ORONO
Orono, MaineHigh School Diploma -
CARIBOU HIGH SCHOOL
Caribou, Maine05.1995
Skills
- Technical: Microsoft Office, Excel, Encompass, Blue Sage, Prime Path, Microsoft Teams Third Part Websites such as; FHA Connection, Mortgage Insurance Companies, VA Website, Kentucky Housing Corporation, IHCDA, Ohio Housing Finance Agency
- Critical Thinking
- Legal Compliance
- Information Verification
- Financial Document Review
- Skilled Collaborator
- Rapid and Adaptive
- Solutions oriented professional
- SAFE Mortgage License NMLS # 884123
- Past Positions: Mortgage Loan Closing Officer, Mortgage Pre-Close Officer, Mortgage Loan Shipper to Investors
- Language: English
Timeline
Decision Certified Mortgage Loan Processor
PRIMELENDING, A PLAINSCAPITAL COMPANY
03.2015 - 04.2023
Sr Mortgage Loan Processor
FIRST RATE MORTGAGE
07.2014 - 03.2015
Some College (No Degree) - Animal Science/Pre Vet
UNIVERSITY OF MAINEAT ORONO
High School Diploma -
CARIBOU HIGH SCHOOL
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