Mortgage Loan Processor resume example with 20+ years of experience
JessicaClaire
, , 609 Johnson Ave., 49204, Tulsa, OK100 Montgomery St. 10th Floor
Home: (555) 432-1000
Cell:
resumesample@example.com
Professional Summary
Experienced Loan Processor focused on improving the bank's loan program through knowledgeable and efficient service to customers according to program parameters. Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills. Dedicated mortgage professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Skills
Loan Application Preparation
Loan Paperwork
Lending Software Systems
Collateral Value Checks
Legal Documentation
Digital Applications
Desktop Underwriter
Appraisal Verification
Consumer Loan Underwriting
Adaptive and responsible manager, capable and self-motivated
Work History
Mortgage Loan Processor, 04/2017 to 11/2022 Merchants Bank – Northfield, MN,
Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
Prepared file for final clear-to-close by branch management.
Handled any conditions sent from underwriting departments.
Reviewed financial statements and contacted institutions and customers to clarify details.
Communicated with originator and applicant concerning progress of loan file.
Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
Upheld complete confidentiality of all submitted information according to release guidelines.
Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
Received on-going, comprehensive training on home loan products and mortgage process.
Coordinated closing process with attorneys, title companies and government clerks.
Completed denial and cancellation procedures on applicable files.
Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
Verified credit histories, personal references and employment backgrounds for each applicant.
Reviewed and validated details of loan applications and closing documentation.
Conducted pre-funding activities for over 15 monthly applications
Mortgage Loan Processor, 03/2015 to 04/2017 Merchants Bank – Onalaska, WI,
Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
Prepared file for final clear-to-close by branch management.
Handled any conditions sent from underwriting departments.
Reviewed financial statements and contacted institutions and customers to clarify details.
Communicated with originator and applicant concerning progress of loan file.
Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
Upheld complete confidentiality of all submitted information according to release guidelines.
Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
Received on-going, comprehensive training on home loan products and mortgage process.
Coordinated closing process with attorneys, title companies and government clerks.
Evaluated approvals against established bank and government lending standards.
Oversaw file input in mortgage software and grant-specific software.
Verified credit histories, personal references and employment backgrounds for each applicant.
Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
Reviewed and validated details of loan applications and closing documentation.
Assessed customer account histories to determine previous compliance with payment plans and loan terms.
Filed completed loan applications with underwriting and made approval or denial recommendations.
Conducted pre-funding activities for over 15 monthly applications
Credit Underwriter, 02/2008 to 02/2015 Stripe – Seattle, WA,
Supported review and acceptance or denial of new or renewal business.
Determined and documented loan conditions and communicated requirements and decisions.
Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
Underwriting Manager, 05/1998 to 10/2007 Risk Strategies Company – Arlington, VA,
Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
Carried out day-day-day duties accurately and efficiently.
Demonstrated respect, friendliness and willingness to help wherever needed.
Worked flexible hours; night, weekend, and holiday shifts.
Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
Maintained energy and enthusiasm in fast-paced environment.
Proved successful working within tight deadlines and fast-paced atmosphere.
Used critical thinking to break down problems, evaluate solutions and make decisions.
Offered friendly and efficient service to customers, handled challenging situations with ease.
Developed and maintained courteous and effective working relationships.
Managed a department of 8 underwriters
Worked closely with management on a monthly pipeline of $100MM
Determined and documented loan conditions and communicated requirements and decisions.
Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
Education
High School Diploma: , Expected in 05/1991 Chaminade Madonna Prepatory - Hollywood, FL, GPA:
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