Susan Emery
Oakley,CA
Summary
Knowledgeable and hard-working Senior Mortgage Sales Assistant adept at communicating with potential clients, verifying and reviewing financial documents, handling any inquiries, and processing loan applications. Offers great analytical skills, well-developed communication skills, and important ability to work in a team.
Overview
15
15
years of professional experience
Work History
Loan Processor / Senior Mortgage Loan Coordinator
OnQ Financial
Scottsdale, AZ
07.2023 - 01.2024
- Serve as the main point of contact for title companies, real estate agents, mortgage loan officer/ mortgage loan originator, borrowers, and mortgage underwriters to facilitate a timely loan closing
- 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 the 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 guidelines
- Daily pipeline management to ensure effective communication, capacity, timelines, daily goals and customer satisfaction
Senior Sales Assistant
Cherry Creek Mortgage, LLC
Cherry Creek, CO
11.2021 - 03.2023
- Serve as the primary contact and liaison between clients, branch manager, and assigned loan originator and conduct meetings to coordinate any follow-up items
- Coordinate and prepare documentation necessary for verifications and underwriting such as loan files, loan packages, credit reports, and additional mortgage application paperwork
- Review all loan package documentation for discrepancies, omissions, and income calculation then report any discrepancies to the loan originator
- Follow up and respond to customer and in-house inquiries on transactions as needed in order to provide superior customer service
- Screen and make calls, book appointments and provide administrative support as needed
- Ensure loan documentation complies with federal and state requirements
Senior Loan Specialist
Home Point Financial - Emery Financial Team
Ann Arbor, MI
06.2016 - 06.2018
- Manage all HMDA reporting, and performing post-closing review of loan documentation.
- Manage and facilitate accounts of all levels for FHA, VA, Fannie Mae and private loans.
- Work collaboratively with builder sales managers and associates to achieve high origination and close loan capture rates within the various developments.
- Review income, asset, credit and collateral documentation to ensure compliance with FHA and VA guidelines.
- Support the development of vendor relations with title and escrow companies.
- Ensure loans are canceled or decline within a timely manner for RESPA compliance.
- Update and maintain the HMDA report quarterly for accuracy and ensure credit union is in compliance.
- Receive loans originate by multiple loan officers, gather all necessary documentation and submit complete underwriting packages to lenders.
- Audit, package, submission and follow-up of FHA/VA loans within require timeliness for specify correspondent lenders.
Sales Assistant /Loan Processing Assistant
W.J. Bradley Mortgage Capital / Emery Financial
Centennial, CO
10.2008 - 06.2016
- Assist the lending officer(s) in maintaining credit files with up-to-date financial and collateral information
- Greet customers in a quick, friendly manner, providing extraordinary customer service in every aspect of your duties by listening, caring, showing empathy, and providing positive solutions when dealing with others. Interaction with anyone should leave him/her feeling energized, enthused and happy. Make sure they are satisfied to the point of release.
- Focus on improving service quality and operational efficiencies.
Provide services to lending customers, evaluate collateral and prepare necessary documentation for credit lines. Collect bad debt. Understand the requirements of applicable state and federal programs.
Work with the compliance officer to evaluate and continue to develop and implement strategies to ensure an absence of deficiencies in process
Understand and adhere to all bank policy, procedures, laws and regulations. Complete compliance training; follow internal processes and controls as required and affirm on each performance review that you will comply with regulations. Report all compliance issues, violations of law or regulations to your manager or compliance officer.
Education
High School Diploma -
Antioch Highschool
Antioch, CASkills
- Teamwork and Collaboration
- Regulatory Compliance
- Customer Service
- File Management
- Legal Compliance
- Communication
Timeline
Loan Processor / Senior Mortgage Loan Coordinator
OnQ Financial
07.2023 - 01.2024
Senior Sales Assistant
Cherry Creek Mortgage, LLC
11.2021 - 03.2023
Senior Loan Specialist
Home Point Financial - Emery Financial Team
06.2016 - 06.2018
Sales Assistant /Loan Processing Assistant
W.J. Bradley Mortgage Capital / Emery Financial
10.2008 - 06.2016
High School Diploma -
Antioch Highschool
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