Stephanie Bergeson
Phoenix,AZ
Summary
Experienced in assisting loan officers with loan origination, processing, and closing. Demonstrated skills in customer service, data analysis, multitasking and maintaining accurate records. Familiarity with regulatory compliance standards is a strength. Previous work impact includes streamlining lending processes to create efficient workflows and improve client satisfaction. Customer-focused loan officer assistant with several years of experience supporting consumer mortgage loans, including conventional, adjustable-rate, fha and va. Key resource to management with exceptional knowledge of mortgage laws and regulations. Dedicated to balancing traditional methods with innovative advances for maximum customer and agency benefit. Highly skilled in loan interviewing and clerking, with background in managing loan application processes from initial interview to final approval. Skilled in evaluating financial information, identifying discrepancies, and ensuring compliance with banking regulations. Proven ability to streamline operations for improved efficiency, leading to higher customer satisfaction and quicker loan processing times. Demonstrated strengths include excellent communication, organizational skills, and adeptness at working with diverse client bases to meet financial objectives.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Loan Officer Assistant
Wells Fargo
Phoenix, AZ
12.2023 - 08.2024
- Conducted credit checks, verified income and employment information, and obtained other required documentation from applicants.
- Verified accuracy of all calculations related to mortgage payments, interest rates, taxes, insurance premiums.
- Attended training sessions as needed in order to stay abreast of industry regulations and standards.
- Maintained customer files in an organized manner to ensure accurate tracking of loans.
- Input data into loan origination system accurately and timely.
- Responded to inquiries from clients and lenders regarding loan status.
- Ensured accurate data entry of loan application information into system.
- Maintained up-to-date knowledge and compliance with internal policies and procedures and verified adherence to state and federal laws, rules and regulations affecting loan institutions.
- Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
Mortgage Loan Processor
PenFed Credit Union
Phoenix, AZ
05.2020 - 01.2023
- Verified that all conditions of the loan have been met prior to disbursement of funds.
- Prepared closing documents, including title policies, deeds, and other related items.
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Processed loan documents and ensured compliance with federal regulations.
- Provided customer service by responding to inquiries regarding loan status.
- Assessed credit reports to determine eligibility for mortgage loans.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
- Managed pipeline of loan applications to ensure efficient processing.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Collaborated with closing agents to schedule and prepare for loan closings.
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
Loan Processor
Loandepot
Scottsdale, AZ
01.2019 - 05.2020
- Verified that all conditions of the loan have been met prior to disbursement of funds.
- Provided customer service by responding to inquiries regarding loan status.
- Prepared closing documents, including title policies, deeds, and other related items.
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Processed loan documents and ensured compliance with federal regulations.
- Maintained accurate records in accordance with company policy and procedures.
- Communicated regularly with customers throughout the entire process from origination through closing.
- Reviewed loan applications and verified accuracy of borrower information.
- Ordered appraisals and title services on behalf of borrowers when necessary.
Payroll Coordinator
Paychex Inc
Phoenix, AZ
02.2018 - 01.2019
- Resolved discrepancies between employee wages and tax withholding amounts reported on W-2s.
- Performed research into discrepancies between actual hours worked by employees versus what was documented in the HRIS system.
- Managed payroll taxes and deductions, including 401 contributions, health insurance premiums, garnishments.
Bar Manager
Backyardsolutions
Scottsdale , AZ
10.2017 - 01.2019
- Developed and implemented strategies to increase customer satisfaction and loyalty.
- Resolved conflicts between employees by providing guidance on company policies and procedures.
- Managed vendor relationships by negotiating contracts and ensuring timely delivery of goods and services.
- Conducted performance reviews for team members.
- Coached, mentored and trained team members in order to improve their job performance.
Education
High School Diploma -
Shadow Mountain High School
Phoenix, AZ05-2011
Skills
- Regulatory Compliance
- Loan Servicing
- Loan Processing
- File Management
- Credit analysis
- Loan Closing
- Document Verification
- Documentation Review
- Mortgage Loan Processing
- Calculations Review
- Employment Verification
- Professionalism
- Attention to Detail
- Organizational Skills
- Active Listening
- Desktop Underwriter
Certification
- Registered Loan officer MNLS 2553093
Timeline
Loan Officer Assistant
Wells Fargo
12.2023 - 08.2024
Mortgage Loan Processor
PenFed Credit Union
05.2020 - 01.2023
Loan Processor
Loandepot
01.2019 - 05.2020
Payroll Coordinator
Paychex Inc
02.2018 - 01.2019
Bar Manager
Backyardsolutions
10.2017 - 01.2019
High School Diploma -
Shadow Mountain High School