Stephanie C. Moody
Middleburg
Summary
Experienced with mortgage loan origination, financial analysis, and client advisement. Utilizes deep knowledge of lending guidelines and compliance to ensure smooth loan processing. Strong understanding of customer relationship management and market trends, driving successful loan closures.
Overview
13
13
years of professional experience
Work History
Bartender
Crackers Lounge and Package
10.2023 - Current
- Served high customer volumes during special events, nights, and weekends.
- Managed cash handling duties responsibly, ensuring accurate accounting at the end of each shift.
- Performed opening and closing duties, printing sales reports, setting up for incoming shift, preparing cash drawers, and taking inventory.
- Efficiently opened or closed the bar according to established procedures, ensuring preparedness for each shift.
Mortgage Loan Officer
Motto Mortgage
06.2022 - 09.2023
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Delivered timely updates on loan status, communicating proactively with all parties involved in each transaction.
- Developed and implemented marketing campaigns to generate new business opportunities.
Mortgage loan Processor
Draper & Kramer Mortgage Corp
11.2020 - 02.2022
- Reviewed data integrity of loan files; reviewing and analyzing credit, income, asset, and property documentation; ensuring file meets all compliance and regulatory requirements; collecting documentation from borrowers; and organizing and packaging loan files to submit to underwriting
- Ordered the following property and loan documentation as necessary for each file: verification of employment, evidence of insurance, payoffs, tax transcripts, credit supplements, condo questionnaires, and title work to ensure a smooth loan process
- Submitted detailed loan packages to the lender underwriting department for approval or denial
- Communicate with underwriters to clarify conditions and satisfy these by coordinating with the borrower
- Made sure closing dates and company deadlines are met by following up on loan documentation in a timely manner
- Responsible for communicating with borrowers, realtors, vendors, and loan officers on status of loan files, answering questions, and providing other information as necessary to get the loan ready for closing and may assist in scheduling the loan closing
- Performed all other duties as required
Mortgage Loan Processor II
VyStar Credit Union
07.2019 - 11.2021
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Handled any conditions sent from underwriting departments.
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
Mortgage Loan Processor
PNC Bank, N.A.
01.2017 - 07.2019
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Handled any conditions sent from underwriting departments.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
Mortgage Loan Processor
Citi Bank, n.a.
07.2012 - 01.2017
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Handled any conditions sent from underwriting departments.
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
Education
academics -
Florida community college of jacksonville
01.1994
High school diploma -
terry parker high school
jacksonville, FL01.1992
Skills
- Proactive Self-Management
- Collaborative Team Player
- Strong Time Management
- Rapid Learner
- Strong Interpersonal Skills
- Proficient in Microsoft Office Suite
- Customer Service Proficiency
- Use of VA, FHA, &USDA portals
Timeline
Bartender
Crackers Lounge and Package
10.2023 - Current
Mortgage Loan Officer
Motto Mortgage
06.2022 - 09.2023
Mortgage loan Processor
Draper & Kramer Mortgage Corp
11.2020 - 02.2022
Mortgage Loan Processor II
VyStar Credit Union
07.2019 - 11.2021
Mortgage Loan Processor
PNC Bank, N.A.
01.2017 - 07.2019
Mortgage Loan Processor
Citi Bank, n.a.
07.2012 - 01.2017
High school diploma -
terry parker high school
academics -
Florida community college of jacksonville
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