TONYA HARMON
Summary
Organized Loan Officer Assistant/Loan Processor bringing exceptional administrative and problem-solving skills focused on efficiently fulfilling loan requirements. Knowledgeable about checklists and disclosures. Skilled at keeping all paperwork orderly and properly transferred. Diligent and resourceful professional skilled in client relations. Highly responsive to delivery of services and focused on customer relationship building. Achieves compliance with company policies and regulations in carrying out job functions. Proficient in Encompass, Byte, Calyx Point, Lending Pad, Microsoft Office, Conventional, FHA, VA, USDA, 203K Rehab, FTHB, NCHFA DPA, CalHFA DPA.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Loan Officer Assistant
Martin Mortgage Group At Fairway
01.2023 - 08.2023
- Provided new lead callbacks, maintaining conversion rate from lead to appointment
- Performed pre-qualification assessments based on borrower's credit and financial profile required for preapproval
- Analyzed and verified accuracy of information on loan applications including income, employment, assets, debts and credit to determine appropriate loan products
- Managed customer expectations throughout the entire loan process and acted as point of contact by keeping customer and referral sources informed throughout process
- Maintained referral source relationships through quick response time and excellent customer service
- Actively participated in daily team meetings offering suggestions and updates on progress made
- Once in Contract, responsible for locking loan, sending initial loan disclosures and ordering appraisal in preparation for submission to processing department
- Adhered to company policies and procedures when interacting with clients and colleagues and ensured compliance with all federal regulations pertaining to lending practices.
- Answered inquiries and provided superior customer service to clients.
- Set up files using loan officer checklist and submitted on-time for processing.
Loan Officer Assistant
Sierra Pacific Mortgage
12.2020 - 04.2022
- Evaluated loan applications for creditworthiness, ensuring compliance with internal policies and regulations
- Compiled and verified accuracy of information on loan applications including income, employment, assets, debts and credit while displaying excellent attention to detail
- Managed customer expectations throughout the process and acted as point of contact by keeping customer sources informed throughout process
- Exhibited proficiency in using automated underwriting systems such as Fannie Mae Desktop Underwriter and Loan Prospector
- Implemented effective strategies for resolving loan application issues or discrepancies
- Prepared loan file for submission to processing
- Worked closely with processors, underwriters, doc drawers, and closers to resolve any outstanding conditions or issues related to a loan file in preparation for closing.
- Answered inquiries and provided superior customer service to clients.
- Set up files using loan officer checklist and submitted on-time for processing.
Contract Loan Processor (Remote)
Veteran's Home Finance
12.2019 - 11.2020
- Evaluated loan applications for creditworthiness, ensuring compliance with internal policies and regulations
- Collected required documentation from applicants and followed up on missing items
- Displayed excellent attention to detail when verifying accuracy of borrower's personal information entered into the system
- Processed loan applications, including verifying customer information, preparing documents, and ordering third-party services
- Exhibited proficiency in using automated underwriting systems such as Fannie Mae Desktop Underwriter and Loan Prospector
- Utilized strong customer service skills to effectively communicate with customers regarding their loan applications, loan terms and conditions
- Implemented effective strategies for resolving loan application issues or discrepancies
- Developed excellent organizational skills to manage multiple tasks simultaneously while meeting tight deadlines
- Prepared loan files for submission to Lender.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers via telephone to answer questions, process transactions, and resolve issues.
Loan Processor
Bay Equity Home Loans
10.2017 - 10.2019
- Assisted Loan Officers in processing loan applications and gathering necessary documents
- Evaluated loan applications for creditworthiness, ensuring compliance with internal policies and regulations
- Compiled and verified accuracy of information on loan applications including income, employment, assets, debts and credit while displaying excellent attention to detail
- Responsible for ordering third-party services
- Exhibited proficiency in using automated underwriting systems such as Fannie Mae Desktop Underwriter and Loan Prospector
- Remained in contact with customers to follow up on loan applications and answer basic inquiries while providing quality service
- Implemented effective strategies for resolving loan application issues or discrepancies
- Prepared loan file for submission to underwriting
- Worked closely with underwriters, doc drawers, and closers to resolve any outstanding conditions or issues related to a loan file in preparation for closing.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
Education
High School Diploma -
Valley High School
Santa Ana, CASkills
- Document Verification
- Data Entry
- Regulatory Compliance
- Credit Verification
- Employment Verification
- Documentation Review
- Mortgage Knowledge
- Loan Packaging
- Conflict Resolution
- Customer Service
Certification
NMLS #1412562 (CA & NC)
Notes
- Employment Gap due to laid-off: 4/2022 - 11-2022
Timeline
Loan Officer Assistant
Martin Mortgage Group At Fairway
01.2023 - 08.2023
Loan Officer Assistant
Sierra Pacific Mortgage
12.2020 - 04.2022
Contract Loan Processor (Remote)
Veteran's Home Finance
12.2019 - 11.2020
Loan Processor
Bay Equity Home Loans
10.2017 - 10.2019
High School Diploma -
Valley High School
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