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mortgage loan processor resume example with 10+ years of experience

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Jessica Claire
, , 100 Montgomery St. 10th Floor (555) 432-1000, resumesample@example.com
Summary

Multi-talented loan processing professional versed in customer service and bank standards. Excellent communicator and decision-maker with a strong eye for detail and a proactive nature.

Skills
  • Time Management
  • Customer Communication
  • Lending Software Systems
  • Information Verification
  • Customer Service
  • Decision Making
  • Problem Solving
Experience
07/2022 to 03/2023 Mortgage Loan Processor Oregon Community Credit Union | Eugene, OR,
  • Calculated income, assets and liabilities to meet lender requirements.
  • Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
  • Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.
  • Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
  • Reviewed initial client documentation to structure and submit loan package.
  • Interfaced with borrowers to obtain needed items and prepare applications for underwriting review.
  • Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Managed conditions sent from underwriting departments.
  • Maintained complete confidentiality of submitted information according to release guidelines.
  • Created and completed loan submission packages.
  • Evaluated financial statements and contacted institutions and customers to clarify details.
  • Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
  • Completed closing process by collaborating with attorneys, title companies and government clerks.
09/2019 to 06/2022 Mortgage Processing Manager Fifth Third Bank | Royal Oak, MI,
  • Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
  • Created and updated financial reports on frequent basis to present information to leadership teams.
  • Maintained regular performance appraisals for subordinates through verbal, written and on-going review programs.
  • Coordinated preparation of external audit materials and external financial reporting.
  • Analyzed competitors and market trends to facilitate business growth.
  • Managed loans from application to submission to closing by coordinating file movements between underwriter, mortgage lender and closing parties.
  • Designed training schedules for new and existing employees.
  • Mentored team members to succeed and advance within department and company.
  • Coordinated with managers to identify skill or knowledge gaps and implement training needs.
09/2016 to 07/2019 Mortgage Loan Processor Oregon Community Credit Union | Keizer, OR,
  • Calculated income, assets and liabilities to meet lender requirements.
  • Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
  • Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.
  • Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
  • Reviewed initial client documentation to structure and submit loan package.
  • Interfaced with borrowers to obtain needed items and prepare applications for underwriting review.
  • Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Managed conditions sent from underwriting departments.
  • Maintained complete confidentiality of submitted information according to release guidelines.
  • Created and completed loan submission packages.
  • Structured loan packages by properly analyzing credit reports, income and asset documents.
  • Completed closing process by collaborating with attorneys, title companies and government clerks.
04/2015 to 08/2016 Mortgage Loan Processor Oregon Community Credit Union | Wilsonville, OR,
  • Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
  • Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
  • Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
  • Managed conditions sent from underwriting departments.
  • Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews.
  • Inspected loan documentation for mistakes and corrected discrepancies.
  • Contacted outside sources, references and vendors to verify client financial information.
  • Gathered property appraisals, surveys and tax records to update mortgage loan files.
  • Evaluated and adjusted loan files to meet banking, federal and secondary market regulations.

  • Created and completed loan submission packages.
  • Checked approvals against established bank and government lending standards.
  • Completed closing process by collaborating with attorneys, title companies and government clerks.
  • Maintained complete confidentiality of submitted information according to release guidelines.
02/2014 to 01/2015 Consumer Loan Underwriter Fitzsimons Credit Union | Aurora, CO,
  • Facilitated on-time loan application completions by providing support to loan officers and processors.
  • Evaluated financial, income and credit documentation to make loan decisions.
  • Determined whether loans up to $100,000 should be approved, declined or counter-offered.
07/2011 to 10/2013 Mortgage Underwriter Mountain American Credit Union | Ephraim, UT,
  • Maintained compliance with company and regulatory policies.
  • Assessed financial means and desires of each client in order to set up appropriate mortgage packages.
  • Reviewed titles and appraisals to validate properties to meet insurer and guarantor guidelines.
  • Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment.
  • Requested additional information for applications and documents when necessary.
  • Analyzed loan risk and reviewed loan conditions and requirements.
  • Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
  • Evaluated loans against portfolio and investor guidelines.
  • Determined loan eligibility and approved or rejected applications.
  • Resolved document mistakes and discrepancies and identified signs of fraudulent activity.
  • Collaborated with loan originators and processors to correctly review and assess applications and risks.
Education and Training
Expected in 06/1996 to to High School Diploma | San Clemente High School, San Clemente, CA GPA:
Additional Information
  • Proficient in Guidelines for Conventional Conforming, Non-Conforming, FHA, VA, USDA and Bond programs.
  • Knowledgeable in Calyx Point and Encompass

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Resume Overview

School Attended

  • San Clemente High School

Job Titles Held:

  • Mortgage Loan Processor
  • Mortgage Processing Manager
  • Mortgage Loan Processor
  • Mortgage Loan Processor
  • Consumer Loan Underwriter
  • Mortgage Underwriter

Degrees

  • High School Diploma

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