STACEY SMITH
San Clemente,CA
Summary
Senior Loan Processor with over twenty-five years of experience resulting in highly effective borrower relations and a high level of comprehensive experience in structuring, originating, processing, and closing all types of loans. Currently working on getting CA NMLS licensing and scored 91% on Course Preparation exam.
Overview
21
21
years of professional experience
Work History
Sr Loan Processor (Remote)
KBHS HOME LOANS, LLC
Las Vegas, NV (Remote)
03.2021 - 07.2022
- Managed pipeline of 60-120 loans per month.
- Proved successful working within tight deadlines and fast-paced atmosphere
- Ordered all title, appraisals, employment/asset verifications, and insurance.
- Obtained Prior to Doc and Funding conditions from borrowers and 3rd parties to see loan thru closing.
- Updated multiple reports and CRM on daily basis, utilized by internal company for status updates.
- Participated in team-building activities to enhance working relationships
- Carried out day-to-day duties accurately and efficiently
- Identified issues, analyzed information and provided solutions to problems
- Reran DU/LP for updated findings/approval if required.
- Utilized AllRegs and Product Matrices efficiently
- Requested Docs with Closing Dept., providing required product, borrower and vesting information.
- Utilize AllRegs and Product Matrices efficiently.
- Coordinated closing date, time and location between borrower and escrow.
- Answered questions from borrower / notary at time of signing when needed.
- Communicated with borrower until time of funding / recording.
Sr Loan Processor (Remote)
EQUINOX
Santa Ana, CA (Remote)
01.2020 - 02.2021
- Effectively processed and funded 45-60 files per month.
- Prepared and sent initial disclosures to borrower via DocuSign or ShareFile.
- Thoroughly reviewed files for completeness / Identify missing or expired documentation.
- Communicated with borrower from submission to closing / recording.
- Satisfied all conditions and request clear to close from underwriter.
- Coordinated all closings in both Wet & Dry states.
- Completed Daily and Weekly status reports for management updates.
- Collaborated with team members to achieve target results.
Sr Loan Processor
C2C LENDING
San Juan Capistrano, CA
01.2017 - 12.2019
- In charge of processing 40-60 loans per month with on time monthly closings.
- Responsible for ordering all titles, appraisals, HOI, HOA, VOI, VOA, and credit supplements.
- Prepared and submitted complete loan files to underwriting for quick turn around.
- Served as main point of contact for all parties involved from initial submission to close.
- Requested pricing corrections from lock desk if necessary.
- Reviewed and verified borrower income, credit, assets and title for preparation and underwriting submission.
- Communicated with borrowers on weekly basis until loan funded / recorded.
Sr Loan Processor (Remote)
K PACIFIC GROUP
Newport Beach, CA (Remote)
02.2012 - 01.2017
- Successfully processed and closed 40-50 files per month.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Worked closely with underwriter, loan officer, closer, escrow agent, and funder to meet expected fundings.
- Created trusting and responsive relationships with borrowers from initial contact to funding confirmation status.
- Efficiently reviewed, prepared, and stacked all files for underwriting submission / review request.
- Updated reports, loan status' , call logs, events and documents needed on daily basis.
Sr Loss Mitigation Specialist
RADWAN LAW FIRM, LLC
Mission Viejo , CA
01.2008 - 12.2011
- Managed and communicated with borrowers and discussed their financial hardship and options.
- Verified hardship and additional information with client to confirm eligibility to move forward.
- Actively listened to customers' requests, confirming full understanding before addressing concerns.
- Prepared lender packages / Submitted required documentation & hardship information to lender requesting modification consideration / review.
- Extensive follow-up required with mortgage relief department for mod status' / Updated clients with weekly status' / Discussed modification results with client, whether positive or negative.
Contract Loan Processor
DBA Stacy Smith, Owner
Costa Mesa, CA
01.2001 - 01.2008
- Efficiently maintained and closed pipeline of 60+ loans per month.
- Established long-term relationships with loan agents, brokers, account execs, title reps, appraisers, and real estate agents.
- Conducted initial meetings with loan agents / brokers discussing processing procedures, fees, what to expect, and address any questions clients may have going forward with my services.
- Prepared and sent initial needs list to brokers and agents prior to underwriting submission.
- Reviewed files thoroughly for completion for stacking and preparing underwriting submission packages.
- Lender approved to draw my own loan docs for all loans closing thru FlagStar Bank and Countrywide Bank.
- Efficiently, satisfied all prior to doc, closing, and post-closing conditions on correspondent loans.
Education
High School Diploma -
San Clemente High School
San Clemente, CA06.1987
Skills
- Attention to Detail
- Dependable and Responsible
- Industry and loan processing expertise
- Written Communication
- Financial document review
- Ability to Focus/Prioritize
- Analytical and Critical Thinking
- Credit / Income / Returns Analysis
- Loan Origination/ Structure
- Problem Solver
Timeline
Sr Loan Processor (Remote)
KBHS HOME LOANS, LLC
03.2021 - 07.2022
Sr Loan Processor (Remote)
EQUINOX
01.2020 - 02.2021
Sr Loan Processor
C2C LENDING
01.2017 - 12.2019
Sr Loan Processor (Remote)
K PACIFIC GROUP
02.2012 - 01.2017
Sr Loss Mitigation Specialist
RADWAN LAW FIRM, LLC
01.2008 - 12.2011
Contract Loan Processor
DBA Stacy Smith, Owner
01.2001 - 01.2008
High School Diploma -
San Clemente High School