OBJECTIVES: Astute Loan Processor bringing 5 years of experience in Mortgage Processing. A Highly motivated and very dependable employee, actively seeking a position where I can optimize my problem-solving and organizational skills to contribute to increased customer satisfaction, Strong multitasking skills and fast learning ability to ensure quick contribution to the team. Productive relationship builder: excel at listening to customer needs, articulating product benefits and creating solutions that provide value to the customer. I am Highly professional, dependable, reliable and able to perform duties with minimal supervision. My creative abilities have made the firms I have worked with grow in success. I am Seeking a position where my skills and experience can be a positive contribution to the company . PROFESSIONAL SKILL:
Mortgage industry professional with 5 years of loan processing experience and a comprehensive knowledge of conventional and government loans
Thorough in gathering borrower information, verifying loan document, and reviewing file documentation to guide each loan from preapproval to closing
Computer savvy in MS Office suite and proprietary mortgage processing software.
Highly motivated multi-tasking who can prioritize to ensure all projects are completed accurately and on time.
Working knowledge of conventional loans, FHA, USDA loans, VA loans,servicing guidelines.
Advanced knowledge on residential mortgage loan documents (Foreclosure, Bankruptcy, Eviction, modification) and document functions.
Team player and detail oriented.
MS Word, Excel, Power pivot, Outlook, Power Point and Publisher, MS Teams, different loan software (Calyx, Lending QB and Encompass) Proficient in Customer Service, Mortgage software Programs (MSP)
Mortgage Loan Processor | 12/2018 to Current JP Morgan Chase & Co - Cockeysville, MD
Review and verify borrower's income, credit reports, employment history, property and appraisals, title and insurance information to prepare loan applications for underwriting submittal.
Review initial loan approval and work with borrower to gather appropriate documentation.
Provide support to the loan officer and underwriting teams by ensuring the timely, judicious and accurate processing of mortgages.
Satisfy all conditions when received from the underwriter.
Ensure compliance with company policies, underwriting guidelines and lending program requirements.
Ensure all files are complete prior to underwriting hand-off and coordinate effectively with the title company to ensure a smooth closing.
Expertise in conforming and non-confirming loans, Fannie Mae &Freddie Mac Guidelines, FHA, VA, USDA Rural development loans.
Processed challenging loan applications (e.g., first-time borrowers, self-employed applicants and borrowers with problematic credit histories).
Processed Conventional loans from set up to submission, from condition to close.
Reviewed residential loan application files to verity that application is complete and meet establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment.
Submitted mortgage loan application files for underwriting approval.
Researched borrower accounts utilizing various customer system.
Cross-referenced information documented on loan application with source document for accuracy and completeness.
Recommended that loans not meeting standard is denied.
Managed a pipeline of approximately 40 loans effectively.
Mortgage Loan Processor | 01/2015 to 12/2017 Destination Credit Union - Parkville, MD
Answered client's queries related to mortgage.
Responded to inquiries & referrals, presented purchasing and refinancing mortgage loan service options and alternatives, and drove new business and profitability.
Made out payment reminder calls to customers to make sure their accounts are current.
And processed payments for those who were ready.
Notated and updated accounts, discussed payment options with customer and fees involved if payments are not made on time.
Guided and assisted customers through the process of modifications, refinances, short sales, foreclosures, etc.
Generated Payoff quote letters and sent correspondence either via fax, email or mail as requested by customers.
Conducted welcome calls to customers and gave them details about their accounts.
Provided information related to the mortgage products and services being offered.
Helped customers to discuss escrow breakdown and why their payments increased due to escrow.
Helped customers with basic insurance claims information and transferred them to claims department.
Disbursed out customer checks if account was Paid off or if escrow was over paid.
University Of Bamenda | Higher National DiplomaManagement, 10/2005
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Companies Worked For:
JP Morgan Chase & Co
Destination Credit Union
University Of Bamenda
Job Titles Held:
Mortgage Loan Processor
University Of Bamenda | Higher National Diploma Bachelor
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