Susan Brown
Grove City
Summary
Self-motivated banking professional offering excellent communication and quick thinking skills. Works effectively on teams, as well as independently, in fast-paced environments. Friendly and energetic team player.
Overview
27
27
years of professional experience
Work History
Loan Processor III
First Financial Bank
07.2023 - Current
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Set up and completed loan submission packages.
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Provided quick turnaround times to maintain fast-past schedule.
- Utilized loan origination software to process and track loan applications.
Mortgage Loan Underwriter
CFBank
02.2021 - 03.2022
- Approved loans within specified limits and referred loan applications outside those limits to management for approval
- Verified completeness, accuracy and integrity of loan applications, purchase agreements, personal and business tax returns, financial documents, trust agreements, property appraisals and title commitments
- Offered informed recommendations balancing needs and eligibility of applicants against program availability
- Identified positive and negative markers in applicant financial histories through careful reviews
- Determined risk level and feasibility of granting loans based on standard calculations
- FHA DE
- FNMA DU and FHLMC Loan Prospector experience
- Manual Underwriting experience
- Encompass LOS.
Senior Loan Processor
CFBank
09.2019 - 02.2021
- Worked closely with mortgage loan officer to coordinate and request documentation from client to for smooth closings, with regards to Conventional, FHA, VA and HELOC financing
- Compiled crucial financial information from appraisers, title companies, insurance agents, employers, landlords, and other available documentation
- Completed applications in Encompass LOS with appropriate documentation by working closely with borrowers.
Mortgage Loan Closer
First Merchants Bank
07.2017 - 09.2019
- Assisted senior-level credit officers with complex loan mortgage loan closings
- Adhered to all federal and state compliance guidelines relative to retail mortgage lending
- Prepared Initial and Final Closing Disclosures as per TRID Guidelines, via Encompass LOS
- Communicated all aspects of the closing process to borrowers.
Senior Loan Closer, HMDA & Compliance Analyst and Secondary Market Liaison
The Arlington Bank, nka First Merchants Bank
09.2015 - 07.2017
- Coordinated complex loan closings with senior-level loan officers, to include Conventional, FHA, VA, Portfolio Loans, Construction-Perm and HELOC loan products
- Adhered to all federal and state compliance guidelines relative to retail mortgage lending
- Prepared Initial and Final Closing Disclosures as per TRID Guidelines, via Encompass LOS, Calyx and Point
- Reviewed federal and state laws to confirm and enforce company compliance within the lending industry, with regards to HMDA requirements
- Determined appropriate overage and underage waivers and fee waivers to ensure company profitability and customer satisfaction.
Loan Partner II
First Financial Bank, fka The First Bexley Bank
03.2013 - 09.2015
- Analyzed applicants' financial status and credit evaluation to determine feasibility of granting loan
- Assisted senior-level credit officers with complex loan applications
- Analyzed borrowers' personal and business tax returns and financial statements
- Performed daily maintenance of the loan applicant database
- Coordinated loan closings with all concerned parties, including loan officer, borrowers, selling and listing realtors and title companies
- Reviewed Closing Disclosure with clients.
Senior Loan Processor and Mortgage Loan Closer
Farmers Citizens Bank
07.2011 - 03.2013
- Reviewed applicants' financial status, credit and property evaluation to determine feasibility of granting loan
- Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports
- Researched insurance information and flood
- Prepared preliminary and final loan closing statement and documents
- Submitted FHA test cases directly to HUD to enable ability to originate, process and close FHA loans.
Senior Underwriter
Oxford Lending Group
12.2009 - 07.2011
- Adhered to all federal and state compliance guidelines and investor overlays relative to retail mortgage lending
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan
- Assisted mortgage loan officers with complex loan applications, including Conventional, HELOC and FHA financing options.
Mortgage Loan Coordinator III
PNC Mortgage, fka National City Mortgage
10.1997 - 12.2009
- Processed, underwrote and closed Conventional and FHA Mortgages, HELOCS and VA Loans
- Adhered to all federal and state compliance guidelines relative to retail mortgage lending
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan
- FHA DE / Completed preliminary SAR test cases for LAPP Approval.
Education
Business Administration, Communications -
Franklin University
Columbus, OHCourse of Study = Secondary Education - undefined
The Ohio State University
Columbus, OHundefined
Galion Senior High School
Galion, OHSkills
- Underwriting support
- Loan approval
- Application verification
- Financial history review
- Analytical thinking
- Written communication
- Task prioritization
- Time management
- Audit
- Policies And Procedures
- Attention To Detail
- Professional Manner
- Title Research
- Mortgage Loan Software
Timeline
Loan Processor III
First Financial Bank
07.2023 - Current
Mortgage Loan Underwriter
CFBank
02.2021 - 03.2022
Senior Loan Processor
CFBank
09.2019 - 02.2021
Mortgage Loan Closer
First Merchants Bank
07.2017 - 09.2019
Senior Loan Closer, HMDA & Compliance Analyst and Secondary Market Liaison
The Arlington Bank, nka First Merchants Bank
09.2015 - 07.2017
Loan Partner II
First Financial Bank, fka The First Bexley Bank
03.2013 - 09.2015
Senior Loan Processor and Mortgage Loan Closer
Farmers Citizens Bank
07.2011 - 03.2013
Senior Underwriter
Oxford Lending Group
12.2009 - 07.2011
Mortgage Loan Coordinator III
PNC Mortgage, fka National City Mortgage
10.1997 - 12.2009
Course of Study = Secondary Education - undefined
The Ohio State University
undefined
Galion Senior High School
Business Administration, Communications -
Franklin University
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