Knowledgeable Loan Processor bringing 16 years of experience in banking and financial positions. Highly skilled in working well with people of all backgrounds to complete loan packages. Adept at building loyalty and trust between bank and customer.
Skills
Experience with mortgage loan software programs, such as Encompass and LOS
Verbal and written communication. Good interpersonal and customer service
Skills. Time-management and organization skills. Ability to work with strict
Deadlines. Ability to explain technical concepts in simple terms. Ability to work
In fast-paced environment. Willingness to learn new concepts to grow and
Problem-Solving
Escrow Account Management
Customer Service
Teamwork and Collaboration
Attention to Detail
Microsoft Excel Spreadsheet
Experience
03/2020 to 05/2022
Account Manager/Loan ProcessorCertainty Home Loans – Arlington, TX,
Cleared all conditions within the loan in order to make sure the CD is tasked
Made contact to brokers and UW’s in order to retrieve the necessary documents needed to clear the conditions
Underwriting for review before sending them over to Closing
Also, if applicable I had to Order Appraisals, SSR’s, VOE’s and run Credit.
Reviewed and verified borrowers' income, credit reports, and property appraisals to prepare documents for underwriting.
Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
Complied financial and other needed data to complete loan file, Ordered
supporting documentation, such as appraisals, verifications of employment,
verifications of deposits
Evaluated loan applications for reasonableness and, if
needed, escalated files for further evaluation
Communicated with Loan Officer
and borrower to obtain missing documentation
Reviewed files for
completeness prior to submission to Underwriting
Obtained documentation
needed to clear conditions, if required submitted approved files to Closing
Prioritized workflow so loans close on time, communicates with title company,
appraiser, and other vendors as required
Provided excellent customer service
to borrower, loan officer, vendors, and other interested parties
Prepared and
sent approval and denial letters
Recorded data on the status of loans, number
of new applications and loans approved, cancelled or denied.
09/2018 to 09/2019
Loan ProcessorLowe's Companies, Inc. – Las Vegas, NV,
Served as subject matter expert (SME) regarding Caliber's Processing policies, procedures, and technology
Managed multi-state loan pipeline; coordinated pipeline management with Loan Consultant
Conducted daily review and follow-ups with customers and vendors regarding outstanding items; gathered necessary documentation as needed
Escalated any fraud files to Risk
Management Leadership Team
Managed key dates, for example, lock expiration, contingency date, contract date, credit doc expiration, ECOA, MDIA and other compliance related dates
Performed data entry to update all internal computer systems and loan files with notes regarding all actions that affect the loan in accordance with company requirements.
Calculated income, assets and liabilities to meet lender requirements.
Conducted post-closing review of loans to verify documentation requirements.
12/2016 to 09/2018
Claims ProcessorAllstate Insurance – City, STATE,
Performed clerical duties, including data entry, filing paper documents, email, calendar management, and word processing
Handled total theft claim files (located/requested files, filed paperwork, reconstructed missing files, moved misfiled documents, sent to other offices, etc
Retrieved, prints, faxes, or mails supporting documentation to vendors or others as directed
Provided back-up for any support functions in the office
Investigated prior losses and other information on file and orded reports as needed at the direction of adjusters and management
Received screens and routed incoming telephone calls and other electronic correspondence
Contacted or received contact from customers or other claim related third parties to obtain and/or provide necessary file information to comply with quality and process standards
Generated and sent appropriate forms to insured/claimant for completion
Processed claims payments, completed all necessary forms, logged documents into the system, and routed them to the appropriate parties
Assisted adjusters with more complex claim handling, analyzed documentation and settle basic, straight-forward, and routine claims quickly and efficiently.
Processed claims according to established quality and production standards and made corrections and adjustments to solve problems.
Conducted and documented comprehensive investigations to negotiate settlements or deny claims.
Processed claims for payment or forwarded to appropriate personnel for further investigation
Assisted claimants, providers and clients with problems or questions regarding claims.
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