Tammy Neal
Summary
Detail-oriented and results-driven Mortgage Loan Processor with over 20 years of experience in residential mortgage processing, underwriting support, and closing coordination. Skilled in managing high-volume pipelines while ensuring accuracy, regulatory compliance, TRID adherence, and data integrity. Proven ability to streamline workflows, support loan officers, and deliver exceptional borrower experiences. Expertise with Encompass LOS, Loan Estimates (LE) disclosures, and coordination with underwriters, title companies, and real estate agents. Recognized for strong organizational skills, clear communication, and proactive problem-solving.
Overview
15
15
years of professional experience
Work History
Client Relations Specialist
Transport Solutions of America
Woodstock, GA
12.2025 - Current
- Serve as a primary contact for client accounts, resolving concerns efficiently while maintaining professionalism.
- Review documentation for accuracy and ensure internal systems reflect up-to-date and complete information.
- Manage multiple priorities in a deadline-driven environment while maintaining high service standards.
- Foster collaborative relationships with internal teams to support company performance goals.
- Communicate clearly and effectively to ensure customer satisfaction and issue resolution.
Senior Mortgage Loan Processor
Planet Home Lending
Remote
05.2024 - 06.2025
- Processed high-volume mortgage pipelines in Encompass LOS, ensuring compliance with investor and agency guidelines.
- Acted as primary point of contact for borrowers, loan officers, underwriters, title companies, and real estate agents.
- Prepared and sent Loan Estimate (LE) disclosures, collecting borrower signatures to meet regulatory timelines.
- Monitored TRID and compliance requirements, maintaining accuracy and data integrity across all files.
- Supported loan officers with pipeline management, scheduling, and task prioritization to improve team efficiency.
- Delivered superior customer service by providing proactive updates and resolving documentation issues quickly.
Senior Loan Processor
Carrington Mortgage
Remote
02.2023 - 03.2024
- Managed full-cycle loan processing, reviewing borrower income, asset, and credit documentation for accuracy.
- Collaborated with underwriters to ensure correct risk assessment and expedited loan approvals.
- Maintained pipeline deadlines through organized file tracking and borrower follow-up.
- Enhanced client satisfaction with timely communication, clear disclosures, and responsive issue resolution.
- Ensured loan files were complete, accurate, and compliant prior to underwriting submission.
Sr. Loan Processor / Mortgage Underwriting Assistant
Planet Home Lending
Remote
10.2018 - 10.2022
- Supported 8 underwriters by reviewing and clearing conditions for conditional and final loan approvals.
- Assigned new submission pipeline files to underwriters to balance workloads and improve efficiency.
- Coordinated with borrowers, loan officers, and underwriters to obtain required documentation.
- Assisted closing department with corrections to closing conditions and ensured compliance.
- Managed complex applications for first-time buyers, self-employed borrowers, and challenging credit profiles.
Mortgage Loan Processor
Pacific Union Financial
Remote
07.2015 - 10.2018
- Processed residential mortgage applications, verifying documentation and ensuring compliance with loan program guidelines.
- Communicated with borrowers and third parties to resolve conditions and expedite closing.
Mortgage Loan Closer
Ameris Bank
Marietta, GA
12.2010 - 05.2015
- Prepared closing documents, verified loan terms, and ensured accuracy of funding packages.
- Coordinated with title companies and attorneys to finalize closings within required timelines.
Skills
- End-to-End Mortgage File Management
- High-Volume Pipeline Oversight
- Government & Conventional Loan Programs
- Automated Underwriting Interpretation (DU/LP/GUS)
- Financial Documentation Review & Income Calculation
- Regulatory Compliance & Quality Control
- Loan Origination Systems (Encompass)
- Condition Management & Underwriting Coordination
- Strong Communication & Relationship Building
- Detail-Oriented & Deadline-Driven
Timeline
Client Relations Specialist
Transport Solutions of America
12.2025 - Current
Senior Mortgage Loan Processor
Planet Home Lending
05.2024 - 06.2025
Senior Loan Processor
Carrington Mortgage
02.2023 - 03.2024
Sr. Loan Processor / Mortgage Underwriting Assistant
Planet Home Lending
10.2018 - 10.2022
Mortgage Loan Processor
Pacific Union Financial
07.2015 - 10.2018
Mortgage Loan Closer
Ameris Bank
12.2010 - 05.2015