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JC
Jessica Claire
Montgomery Street, San Francisco, CA 94105 (555) 432-1000, resumesample@example.com
Career Focus

Detail-oriented Senior Loan Processor with excellent problem solving skills and extensive loan guideline experience


Summary of Skills
  • Process development
  • Bank reconciliations
  • Tax liability analysis
  • Conflict resolution
  • Communications audits
  • Communications audits
  • Strategic planning
  • Marketing materials development
  • Project management
  • Social media marketing
  • Internet marketing
  • Trade show management
  • account management
  • customer service
Accomplishments

Data Verification

  • Checked figures, postings and documents for correct entry, mathematical accuracy and proper coding for loan programs desired

Market Research

  • Defined industry segments and identified opportunities in domestic markets within the Home loan Lending community as well as Property Management Companies

Account Management

  • Manage closing perpetration for loans closing in over 7 states
  • Successfully maintain direct communication with borrowers, loan officers, closers, underwriters, and real estate agents for all transactions processed
  • Managed over 320 account for separate residents within Apartment and Commercial Properties managed

Professional Experience
01/2013 to Current Senior Loan Processor Brink's Incorporated | Salt Lake City, UT,

Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing

of mortgages. Review and verify borrowers’ income, credit reports, employment histories, property appraisals

and title insurance information to prepare loan applications for underwriting submittal. Ensure compliance with

company policies, underwriting guidelines and lending-program requirements.


Achievement Highlights:


Work efficiently with a team of 6 loan officers in North Carolina, as well as loan officer teams in: Chicago, Nashville, and Eastern Atlanta


The only processor asked to take on new branches and help with transition in Illinois, South Carolina, Alabama, Tennessee and Atlanta


Utilizing customer service skills within loan transactions, to help loan officers provide personalized closing gifts for their borrowers ( e.g. borrowers dog was diagnosed with cancer, so I had the LO donate funds to the local K-9 cancer center, borrower was leaving for vacation with their family, so I had the loan officer bring a gift card for locally recommended dining)


Work successfully with all loan types: FHA, Conventional, VA, Bond, USDA, HARP, and Brokered

08/2012 to 01/2013 Mortgage Loan Processor Bok Financial | Mcalester, OK,

Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages.

Review and verify borrowers' income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal.

Ensure compliance with company policies, underwriting guidelines and lending-program requirements.

Achievement Highlights: Handling an average of 38 files monthly.

Outperformed company average in achieving an average of 100% on all customer satisfaction surveys Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings.

Successfully processed some of the most challenging loan applications (e.g., first-time borrowers, self- employed applicants and borrowers with problematic credit histories).

Working on all loan types; FHA, VA, Conventional, and USDA Purchase and Refinance team for VA, FHA, Conventional and USDA loans.

03/2011 to 02/2012 Community Manager Apartment Income Reit Corp. | Gaithersburg, MD,
10/2010 to 04/2011 Assistant Property Manager/ Acting Manager Groupm | Austin, TX,
  • Accounts Receivable Accounting Month End- ensuring all bills are coded properly to reflect moneys in the budgeted year Maintaining/ Managing all Employees ­ daily tasks to ensure property is being proactive with any resident concerns Maintaining Customer Service for 220 apartments and 412 Residents Managing all monthly and weekly reports for Asset Managers and Executive Staff Implementing actions to decrease delinquent accounts from $23,411 per month to $354.12 per month Marketing for property to increase customer traffic Planning all social events for staff and resident functions ­ keeping in budget and planning a callander year or events based on exposure needed to the property Answering phone calls and touring new prospects looking for apartment rentals Establishing a relationship with outside companies working throughout the area to cross market as well as bring in business for corporate apartments Marinating all corporate apartment rentals, cleaning, and set-up between guests.
01/2006 to 02/2008 Assistant Account Executive Bok Financial | Muskogee, OK,
  • Assist on training brokers how to submit full loan packages Review and sign off all incoming PTD conditions; ask for underwriter feedback when necessary Update loan approval sheets and communicate updates to the broker and the account executive via fax email or phone Answering questions regarding conditions and status or loan approvals Actively manage AE's pipeline including following up on loans lock and not received, approved files that are not moving towards docs, following up on suspended files, and communicate to the appropriate person of any files that should be canceled or withdrawn Market support at AE's request to include daily e-mails on market conditions, special products, flyers and turn times Prep files for doc department verify fees and making sure all information is correct Update and train on Automated underwriting systems Copying and shipping files to investors that need to go out for prior approval Meeting with Management teams to insure customer service for all clients.
03/2005 to 01/2006 Mortgage Loan Processor Impac Lending | City, STATE,
  • Project lead for 8 Account Executives for high priority clients.
  • In conjunction with Brokers, screened, monitored and organized client deliverables for loan completion.
  • Organized and prepared final loan paperwork.
  • Approved final loan paperwork for submission up to and including generating all client paperwork coordination.
  • Training for all new employees for Registration Department.
  • Screened, monitored and organized client deliverables for loan completion.
  • Collected and evaluated potential loan options for internal usage to determine most cost effective solution.
07/2002 to 03/2005 Assistant Loan Processor GMAC Mortgage | City, STATE,
  • Working on loans beginning to end ­ validating and verifying loan application information; comparing application information to systems input Updating the 1008 and 1003's in the system when credit reports came in to make sure all of the figures on the paperwork were correct Calculate and analyze income structure (i.e.
  • employment, tax returns, divorce decree, alimony, verification of deposits, gift money, IRA, 401(k), sale of assets), HUD statements, and reserves), review and verify credit report (i.e.
  • FICO, pay history, validate other debts) and other mortgage/real estate owned (i.e.
  • disposition of property, rental income).
  • Review loan application package for completeness and accuracy; reconcile application information against system input, comparing/confirming individual data; verify and validate supporting income, asset, and liability documentation to ensure the validity of the AUS approved decision: Ordering Title and escrow documentation and reviewing all of the paperwork when the reports were complete and going over information with the loan officer Ordering appraisal ­ making sure when the appraisal came in that it was sufficient to send to the investor Ordering Credit reports Following up with the investors regarding any of the pending conditions for the loan to be funded.
Education
Expected in 2001 High School Diploma | High School Gilbert West Highschool, Cypress, CA GPA:
Professional Affiliations

Work with local BNI Groups, and networking with previous co-workers within the Raleigh Durham Area

Skills

Loan types: FHA, VA,USDA, Conventional conforming, Conventional non-conforming, Bond, and MCC.


Strong customer service skills related to relationship building and referral partnering


Loan structuring and pre-underwriting loans prior to submission to Underwriting departments


Accounting, Accounts Receivable, ask, asset management, budget and planning, budget, Copying, Credit, client, clients, customer satisfaction, Customer Service, documentation, email, fax, insurance, Managing, marketing plan, Market, Marketing, money, policies, Project lead, real estate, shipping, tax, phone

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Resume Overview

School Attended

  • Gilbert West Highschool

Job Titles Held:

  • Senior Loan Processor
  • Mortgage Loan Processor
  • Community Manager
  • Assistant Property Manager/ Acting Manager
  • Assistant Account Executive
  • Mortgage Loan Processor
  • Assistant Loan Processor

Degrees

  • High School Diploma

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