Summary
Work History
Education
Skills
Timeline
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Stacey Harris

Hueytown,AL

Summary

Detail-oriented Mortgage Professional specializing in underwriting, income calculation, and loan compliance. Expertise in reviewing complex loan files and verifying documentation while resolving conditions efficiently. Focused on accurate file preparation and ensuring regulatory compliance for timely loan delivery.

Work History

Loan Processor

American Pacific Mortgage Corporation
Roseville, California
2026 - 2026
  • Reviewed borrower documents for accuracy and missing details.
  • Communicated with borrowers, underwriters, and loan officers regarding file status updates.
  • Prepared loan files for submission and closing review.
  • Communicated with customers via telephone or email to obtain additional documentation required for loan processing.
  • Reviewed and verified borrowers' income, credit reports, assets, and property appraisals to prepare documents for underwriting.
  • Tracked conditions and followed up on outstanding documentation.
  • Maintained compliance with mortgage regulations and internal processing standards
  • Orchestrated the procurement of appraisals for Conventional, FHA, VA, and
    USDA loans
  • Established new title and escrow accounts to facilitate property transactions
  • Validated income data against standardized worksheets to ensure
    qualification accuracy.
  • Validated income data against standardized worksheets to ensure
    qualification accuracy.
  • Validated income data against standardized worksheets to ensure
    qualification accuracy.
  • Interpreted AUS and LPA findings to ensure comprehensive file
    documentation.
  • Managed the acquisition, review, and clearance of tax transcripts.
  • Conducted screenings of all parties in LDP and GSA databases for regulatory adherence. against LDP and GSA databases to maintain regulatory compliance.



Credit Analyst

Regulatory Solutions
Huetywon, AL
2024 - 2026
  • Completed Income Analysis Worksheets to verify borrower qualification.
  • Audited closing data, ensuring integrity for accurate financial reporting.
  • Validated third-party self-employment data for accuracy.
  • Monitored adherence to disclosure timeframes for regulatory compliance.
  • Drafted exception reports highlighting audit inconsistencies for corrective action.
  • Resolved outstanding file exceptions following client data submission.
  • Screened all participants against GSA and LDP lists to mitigate institutional
    risk.
  • Screened all participants against GSA and LDP lists to mitigate institutional risk.

Lay Off

Unemployed
2024 - 2024
  • Faced layoffs as a result of economic downturn.

Loan Processor

BankPlus
Ridgeland, MS
2023 - 2024
  • Evaluate Income documentation to accurately calculate income on Salary and Self-Employed Applicants.
  • Provide guidance on loan programs, guidelines, and other documentation to Loan Officer and Operations Partners.
    Operations Partner.
  • Evaluated loans for locks and communicated necessary disclosures to applicants for signature.
  • Provide guidance on loan programs, guidelines, and other documentation to Loan Officer and Operations Partners.Operations Partner.
  • Delivered appraisals and acknowledgments to applicants promptly, expediting the signature process.
  • Review and address all pre and post-closing audit issues.

Laid Off

Unemployed
2022 - 2023
  • Experienced a layoff due to economic conditions.

Underwriter

First Bank
Birmingham, Alabama
2021 - 2022
  • Reviewed and evaluated loan applications to assess creditworthiness, risk and eligibility for approval.
  • Evaluated income, assets, debt, and collateral for borrower risk.
  • Reviewed loan applications using First Bank underwriting guidelines and credit policies.
  • Prepared underwriting recommendations for loan approvals and declines.
  • Analyzed credit reports and payment histories for lending decisions.
  • Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
  • Applied federal regulations and bank standards during underwriting reviews.
  • Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
  • Participate in regular training sessions regarding updates in relevant laws or regulations.
  • Communicated findings with loan officers and branch teams.
  • Track case status in First Bank lending systems and files.

Quality Team Leader

Synovus
Birmingham, Alabama
2010 - 2021
  • Assign daily workload.
  • Review all incoming files for file quality and data integrity, income, assets, credit, REO’s.
    verifications, review findings for accuracy, and submit the file for Underwriter review.
    ● Clear conditional approval items not specifically marked for UW Review on Conditional, Portfolio, Jumbo, and Government Loans.
  • Perform UW Review of Verification of Employment, Loan Payoffs, Verification of Rent/Mortgage, Appraisals, Title Work,Homeowner’s Insurance, and other conditions working directly with ourUnderwriting Team.
  • Clear all Conditional Approval items not specifically marked for UW Review on Conventional, Portfolio, GovernmentLoans.
  • Assist the IT Help Desk on resolving issues with the LOS system, product structure, and programming issues.
    ● Test New Software and procedures from Black Knight when introduced to find inconsistencies.
  • Answer all questions from QR Team, Processors, Branch Marketing Assistants and. Production Specialist, and
    Underwriters on loan specific Information.
  • Process Conforming and Non-Conforming, FHA, VA, Conventional, USDA, Portfolio, 203B with Escrow Repair, one of three
    processors who could process 203K Loans, and Short Sale Loans.
  • Perform UW Review of Verification of Employment, Loan Payoffs, Verification of Rent/Mortgage, Appraisals, Title Work,
    Homeowner’s Insurance, and other conditions working directly with our
    Underwriting Team.
  • Clear all Conditional Approval items not specifically marked for UW Review on Conventional, Portfolio, Government
    Loans.
  • Perform final QR/ Pre-Close Review.
  • Prepare files for the Closing Department

Education

High School Diploma -

Houston County High School
Columbia, AL
05-1993

Skills

  • Mortgage underwriting
  • Income calculation
  • Loan compliance
  • Credit analysis
  • AUS findings
  • File auditing
  • Document verification
  • Mortgage regulations
  • Escrow processing
  • Closing documentation
  • Appraisals
  • Application review
  • Encompass
  • Mortgage loan software
  • Calyx
  • Encompass
  • Mortgage Bot
  • The Mortgage Originator
  • Loan Product Advisor
  • FHA Connection
  • USDA Rural Development
  • Department of Veterans Affairs
  • Detail orientation
  • Analytical skills
  • Time optimization
  • Report generation
  • Data management
  • Collaborative teamwork
  • Client onboarding
  • Microsoft Office
  • Microsoft Outlook
  • Microsoft Explorer
  • Lotus Notes
  • Desktop Originator
  • Dedicated work ethic
  • Policy adherence
  • Clear communication
  • Collaborative teamwork

Timeline

Loan Processor

American Pacific Mortgage Corporation
2026 - 2026

Credit Analyst

Regulatory Solutions
2024 - 2026

Lay Off

Unemployed
2024 - 2024

Loan Processor

BankPlus
2023 - 2024

Laid Off

Unemployed
2022 - 2023

Underwriter

First Bank
2021 - 2022

Quality Team Leader

Synovus
2010 - 2021

High School Diploma -

Houston County High School
Stacey Harris