Mortgage Loan Processor
Tami Robinson
American Portfolio Mortgage Company
Santa Rosa Beach,FL
Summary
Mortgage processing professional that has worked with Lenders and Brokers with a strong emphasis on accuracy and compliance. Demonstrated ability to enhance closing ratios and streamline processes, resulting in improved customer satisfaction. Known for effective communication and collaboration, ensuring timely processing of loan applications.
19
Years of experience
Work History
Loan Processor
1 Year 1 Month- Evaluated credit reports and financial statements to determine borrower eligibility.
- Reviewed loan applications for accuracy and compliance with company standards.
- Submitted loan applications to the underwriting department for review and approval process.
- Prepared documents for underwriting by reviewing and verifying borrowers' income, credit reports, and property appraisals.
- Coordinated communication between borrowers and lenders during the entire loan process.
- Monitored and ensured timely processing of loan applications to meet closing dates.
- Monitored and ensured timely completion of loan applications from submission to closing.
- Updated customers regularly on the status of their loans throughout the processing period.
- Ensured compliance with federal regulations and company policies during processing.
- Structured and submitted loan packages by reviewing initial client documentation for accuracy and completeness.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Handled any conditions sent from underwriting departments.
- Provided quick turnaround times to maintain fast-past schedule.
- Utilized loan origination software to process and track loan applications.
- Processed loan applications and monitored progress from start to finish.
SR MORTGAGE PROCESSOR
1 Year 6 Months- Increased closing ratio by proactively identifying potential issues and working with parties involved to resolve them quickly.
- Leveraged industry knowledge and experience to troubleshoot complex scenarios, finding creative solutions that benefited both lenders and borrowers alike.
- Played an instrumental role in achieving company goals through consistent achievement of individual targets.
- Demonstrated expertise in various loan products, offering tailored solutions to meet clients' unique needs.
- Provided exceptional customer service by addressing borrower concerns promptly and professionally.
- Improved team productivity through effective communication and collaboration among colleagues.
- Developed strong relationships with realtors, title companies, and other industry professionals to facilitate smooth transactions.
- Collaborated with underwriters to expedite loan approvals, resulting in faster closings for clients.
- Negotiated favorable terms for borrowers while ensuring adherence to lender guidelines during loan structuring processes.
- Maintained accurate records of loan processing activities and documents in CRM system.
LOAN PROCESSOR III
2 Years 6 Months- Guided clients in navigating complex financial documents to enhance understanding and facilitate successful loan applications.
- Ensured accuracy of client information by verifying data collected during the application process and updating records.
- Compiled and verified client income, credit reports, and supporting documents to ensure accuracy for underwriting preparation.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Assisted loan officers with origination and closing processes to fast-track procedures and promote teamwork.
- Facilitated successful loan closings by coordinating with underwriters, title companies, and attorneys throughout the process.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Improved customer satisfaction by providing timely updates and clear communication throughout loan application process.
- Strengthened relationships with clients through consistent follow-up calls and personalized attention to their needs.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Maintained compliance with federal, state, and company regulations through regular reviews of updated guidelines.
- Contributed to departmental goals by meeting or exceeding monthly quotas for loan approvals and fundings.
- Advised loan officers to comply with loan guidelines and apply best practices.
- Prepared comprehensive reports to management detailing key performance indicators related to loans processed, approved, denied, or withdrawn.
- Improved customer satisfaction by providing timely updates and clear communication throughout loan application process.
PROCESSING MANAGER
4 Years 10 Months- Streamlined processing procedures through implementation of innovative strategies and technological solutions, improving workflow efficiency.
- Created production schedules to effectively fulfill production plans and meet process goals.
- Managed high-volume workloads effectively to meet strict deadlines, prioritizing tasks based on urgency and importance.
- Ensured compliance with industry regulations, maintaining comprehensive documentation and adhering to best practices throughout the organization.
- Coordinated with underwriting teams to expedite loan approvals and meet closing deadlines consistently.
- Supervised the completion of accurate loan disclosures within required timeframes, ensuring compliance with regulatory requirements.
- Continuously evaluated and updated department policies to ensure efficient mortgage processing, compliance with regulations, and industry best practices.
- Streamlined document management processes, reducing paperwork and increasing overall organizational efficiency.
- Improved overall financial reporting by streamlining control processes and reporting structures.
- Developed and delivered comprehensive training programs and provided regular feedback, enhancing team capabilities and performance.
- Facilitated effective communication between departments to streamline workflow processes, and improve overall efficiency.
- Facilitated weekly meetings with employees to review project progress and address challenges, fostering team collaboration.
- Managed a high-volume pipeline of loans while maintaining strict attention to detail and prioritizing tasks effectively.
- Promoted safe working practices to maintain compliance with established policies and procedures.
SENIOR LOAN PROCESSOR
3 Years 5 Months- Established relationships with lenders, title companies, and borrowers to facilitate smooth loan transactions.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Streamlined loan processing through implementation of efficient workflow systems and effective task prioritization, resulting in quicker processing times.
- Improved customer satisfaction by ensuring timely and accurate loan processing while maintaining clear communication.
- Assisted in training junior loan processors, resulting in increased productivity across the team.
- Developed a comprehensive understanding of various lender guidelines which helped expedite loan approvals.
- Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
- Organized and assembled loan submission packages for timely processing.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
SENIOR LOAN PROCESSOR
4 Years 5 Months- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Delivered prompt responses to loan applications to enhance processing efficiency. to maintain fast-paced schedule.
- Reviewed and validated details of loan applications and closing documentation.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Coordinated seamlessly with sales teams to ensure proper alignment of expectations and timelines between clients and internal departments.
- Monitored loan status and communicated applicant information updates to lenders, ensuring timely responses to financial changes.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Supported loan officers in origination and closing processes, expediting procedures and fostering a collaborative team environment.
- Cultivated relationships with customers and loan officers to streamline loan processing and enhance collaboration.
- Handled any conditions sent from underwriting departments.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Advised loan officers to comply with loan guidelines and apply best practices.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Assisted in training junior loan processors, resulting in increased productivity across the team.
- Set up and completed loan submission packages.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
Education
Diploma
Skills
Loan processing
Mortgage compliance
Mortgage regulations
Document review
Loan origination systems
Loan programs
Pipeline management
Processing procedures
Mortgage software
Risk assessment
Client advocacy
Communication skills
Mortgage software
Timeline
Loan Processor
American Portfolio Mortgage Company
08.2025 - 09.2026
SR MORTGAGE PROCESSOR
QuestRock LLC (Lender that Brokered UW)
08.2023 - 02.2025
LOAN PROCESSOR III
Loandepot
11.2020 - 05.2023
PROCESSING MANAGER
The First Mortgage Group LLC (Broker)
01.2016 - 11.2020
SENIOR LOAN PROCESSOR
The Mortgage Source LLC (Broker)
06.2012 - 11.2015
SENIOR LOAN PROCESSOR
Primary Residential Mortgage
01.2008 - 06.2012
Griffin High School
Diploma