Stacey Sandry
Roseville,CA
Summary
Self-motivated professional, highly proficient in developing creative solutions and implementing objective decision making. Known for strong team collaboration, reliability and adaptability to changing requirements. Maintains positive attitude and customer service experience. Known for excellent organizational skills and strong analytical capabilities.
Overview
23
23
years of professional experience
Work History
Senior Mortgage Loan Processor
SAFE CREDIT UNION
04.2022 - 10.2024
- Serve as main point of contact for title companies, real estate agents, mortgage loan officer/ mortgage loan originator, borrowers, and mortgage underwriters to facilitate timely loan closing
- Collaborated with team members to meet monthly targets, contributing to overall success of the department.
- Obtain and verify that all loan documentation, such as title insurance, appraisals, loan applications, credit reports, and income and asset declarations are accurate and provided promptly to underwriters for loan approval
- Order third party documentation and reports for residential home loans, create and maintain mortgage loan file, and assist in clearing underwriting conditions as requested
- Input loan file documentation accurately into necessary software programs
- Ensure that all loan files, credit packages, and disclosure packages comply with company lending policies, as well as state and federal lending
- Processed mortgage loan applications accurately and successfully.
Senior Mortgage Loan Processor
HomeTown Lenders
07.2020 - 03.2022
- Review loan application, validate information and confirm loans meet program guidelines.
- Prepare needs list, interact with all parties to ensure required information is received, questions are clarified and proper signatures obtained.
- Order out all third party items, appraisals, titles, VOE's, IRS transcripts, Insurance binders etc.
- Ensure files move on timely basis from order outs, to underwriting, closing documents and through funding.
- Management of processing pipeline with loans at all stages and perform follow-up activities for pending items.
- Perform weekly file status review with my team to assure files are on schedule, rate locks are covered and follow up on any documentation that has been requested.
- Establish and maintain effective rapport with co workers, internal/external customers, and other mortgage employees to ensure work assignments are conducted smoothly and appropriately.
- Negotiate and resolve conflicts regarding work assignments: communicate problems, suggestions, etc. to Loan Officer/Manager when needed.
Mortgage Loan Specialist
Sierra Central Credit Union
11.2018 - 06.2020
- Guide borrowers through the process of obtaining a mortgage, whether it's for purchasing a first home, upgrading to a new one, or refinancing an existing loan.
- Provide expertise and knowledge about various mortgage options offered by Sierra Central, including Home Equity Lines of Credit, Adjustable Rate Mortgages, and VA Loans.
- Help borrowers understand their financial situations and goals to find the best loan options.
Mortgage Loan Processor
Paramount Equity Mortgage/Loanpal
02.2016 - 02.2018
- FHA, VA and conventional processing experience
- Ensure timely and accurate packaging of all loans originated by loan officers
- Process and complete mortgage loan files are accurate to fit guidelines and insurability
- Maintain weekly communication with loan officers on all programs and status of loans
- Provide exceptional customer service to both internal and external customers
- Verify all loan documents for accuracy and completeness - including income, credit , appraisal and title insurance, ultimately preparing application for submittal and underwriting
- Based upon underwriting decision, finish processing for loan closing
- Obtain required stipulations from borrower, guiding loans from origination through closing
- Ordering of credit reports, appraisals, preliminary title reports, insurance information and flood certificates
Mortgage Loan Processor
American Pacific Mortgage/Big Valley Mortgage
03.2015 - 02.2016
- FHA, VA and conventional processing experience
- Ensure timely and accurate packaging of all loans originated by loan officers
- Process and complete mortgage loan files are accurate to fit guidelines and insurability
- Maintain weekly communication with loan officers on all programs and status of loans
- Provide exceptional customer service to both internal and external customers
- Verify all loan documents for accuracy and completeness - including income, credit , appraisal and title insurance, ultimately preparing application for submittal and underwriting
- Based upon underwriting decision, finish processing for loan closing
- Obtain required stipulations from borrower, guiding loans from origination through closing
- Ordering of credit reports, appraisals, preliminary title reports, insurance information and flood certificates
Loan Processor
Liberty Home Equity Solutions
12.2012 - 03.2015
- Ability to maintain 50-80 files in my active pipeline
- Process and complete reverse mortgage loan files accurate to fit FHA guidelines and insurability
- Verify all documentation for accuracy and completeness
- Obtain required stipulations from borrower, guiding loans from origination through closing
- Maintain weekly communication with loan officers on all programs and the status of loans
- Based upon underwriting decision, finish processing for loan closing or mail adverse action notice to borrowers
- Provide exceptional customer service to both internal and external customers
- Ensure regulatory compliance
- Review credit reports, appraisals, flood certifications and title work
Member Relationship Specialist/Loan Processor
Golden 1 Credit Union
06.2001 - 12.2012
- Performed daily maintenance of the loan applicant database
- Educated customers on the variety of loan products and available credit options
- Analyzed applicants financial status, credit and property evaluation to determine feasibility of granting loan
- Effectively managed more than 50 client relationships
- Executed the loan origination process - including ordering credit reports and appraisals
- Built knowledge about latest banking products and services through mandatory compliance training
- Provided expert financial advice on mortgage and both auto and personal loans
- Participated in various incentive programs and contests designed to support achievement of production goals
- Retained and ensured proper handling and care of existing client accounts
- Responsible for implementing all business-building and relationship-building expectations with accounts and customers
- Identified prospective customers using lead generating methods and performing cold calls every day
- Actively oversaw training for all new branch employees
Skills
- Customer Service
- Effective communication
- Time management capabilities
- Residential loan processing
- Banking operations knowledge
- Proficient in financial management
- Professional phone communication
- Financial credit assessment
- Escrow
- Encompass
- Proficient typing skills
- Collaboration and teamwork
- Over a decade of clerical expertise
Timeline
Senior Mortgage Loan Processor
SAFE CREDIT UNION
04.2022 - 10.2024
Senior Mortgage Loan Processor
HomeTown Lenders
07.2020 - 03.2022
Mortgage Loan Specialist
Sierra Central Credit Union
11.2018 - 06.2020
Mortgage Loan Processor
Paramount Equity Mortgage/Loanpal
02.2016 - 02.2018
Mortgage Loan Processor
American Pacific Mortgage/Big Valley Mortgage
03.2015 - 02.2016
Loan Processor
Liberty Home Equity Solutions
12.2012 - 03.2015
Member Relationship Specialist/Loan Processor
Golden 1 Credit Union
06.2001 - 12.2012
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