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team lead sr loan processor resume example with 9+ years of experience

Jessica Claire
  • , , 609 Johnson Ave., 49204, Tulsa, OK 100 Montgomery St. 10th Floor
  • Home: (555) 432-1000
  • Cell:
  • resumesample@example.com
  • :
Summary

Skilled Director of Mortgage Operations/SME inspired and motivated to help customers build financial independence and well-versed in customer service and bank standards. Excellent communicator and decision-maker with a strong eye for detail and a proactive nature. Dedicated to providing the highest quality service and superior ability in executing strategy, driving performance and for cultivating ownership while enforcing compliance, company policies and real estate compliance and law. Adept at building loyalty and trust between bank and customer, highly-motivated employee with desire to take on new challenges, strong worth ethic, adaptability and adept at working effectively unsupervised and quickly mastering new skills.

Skills
  • Business Acumen: Strong understanding of the business, with ability to strategize and foresee logical steps required to achieve a good outcome
  • Building effective core and deployed teams; creating strong morale and spirit; and sharing wins and successes
  • Strong work ethic, organizational skills, high energy
  • A hands-on, team-oriented, leader with highly developed interpersonal skills
  • Excellent human relations skills with the ability to impact and influence results
  • Excellent planning and analytical skills, with the ability to think critically and creatively
  • Extensive knowledge of state, federal and regulatory compliance requirements related to lending
  • Extensive knowledge of capital markets, secondary marketing, and residential lending products
  • Proficient in Microsoft Windows, Word, Excel, and inter-company software i.e. Encompass, Calyx, Symitar, Doc Magic, Mavent, DU/LP
  • Prior experience working for a non-profit organization
Experience
Team Lead, Sr Loan Processor, 09/2021 to 09/2022
Harley-Davidson, Inc.Plano, TX,
  • Process all residential real estate loan types (Purchase, Refi, HELOC, stand alone 2nd transactions)
  • Analyze income, including, Tax Returns, Rental Income, S/E corp and partnerships, Alimony/Child Support, Retirement Income, etc
  • Analyze preliminary title, escrow, appraisal report, credit to underwriting guidelines
  • Analyze appraisal reports to underwriting guidelines. Analyze comparable selection, net/gross adjustments, appraiser comments, etc
  • Maintain open communication with loan officers, underwriters, vendors, RE agents, members as to the status of the loan
  • Assist with training of new hires, monitored team pipeline and prgoress and enforced deadlines
  • Research audit findings and explore options for denied and/or suspended loans with Loan Officer/Underwriter/Manager
  • Serve as back up to any loan processor out of the office and covered their pipeline
  • Collaborate with management team to implement new work procedures or policies
  • Manage conditions sent from underwriting departments.
  • Discuss loan needs and financial histories with clients and conveyed information regarding application processes.
  • Assess, motivate and empower team members to work to build customer satisfaction and loyalty, to support retention and growth
Director of Operations, Mtg Lending, 10/2017 to 09/2021
Option Funding, IncCity, STATE,
  • Maintain current knowledge of all mortgage loan products including eligibility standards, documentation, and underwriting requirements
  • Work with senior lending professionals to assist in structuring and/or restructuring complex mortgage transactions
  • Manage lock pipeline consisting of best effort and mandatory locks to maximize loan profitability, analyze ways to increase productivity, reducing expenses and mitigating company losses
  • Make decisions on policy/procedural exceptions and fee waivers, complete second reviews of loan files and resolves exception cases
  • Oversee internal audits focusing on risk, compliance policies and procedures, maintain loss prevention, implement process improvement, including training and communication
  • Develop standard operating procedures, policies, service level agreements for all processes and functions to improve efficiency
  • Monitor and update policies and procedures to ensure practices are compliant and align with the Banks service and quality standards, regulatory agencies and secondary market guidelines
  • Perform data input, exception processing and operation of specialized software programs related to loan boarding and servicing
  • Analyze and implement new and existing process improvements, policy and procedures for accurate, timely, and efficient operations
  • Collaborate with Sr Management to optimize, develop and improve the efficiency of operating procedures to automate and streamline workflows between departments
  • Build, manage and maintain good working relationships with all departments and external vendors
  • Train operations to identify the areas of improvement for common and frequent deficiencies to reduce future occurrences of reoccurring issues.
Sr Operations Specialist, 09/2012 to 10/2017
Skyline Home LoansCity, STATE,
  • Process all residential real estate loan types including Purchase, Refinance, and Home Equity transactions
  • Analyze income of Tax Returns (all schedules); Rental Income; Alimony/Child Support; Retirement Income, Capital Gains, Asset Depletion, Self-Employed, Bank Statements, Interest Income
  • Analyze preliminary title policy report - Works with Title and Escrow Company
  • Analyze appraisal report to underwriting guidelines, comparable selection, net/gross adjustments, appraiser comments, etc
  • Review credit reports and analyzes credit history in accordance with underwriting guidelines
  • Maintain open communication with loan Officers, underwriters vendors, real estate agents, appraisers and other members of the department as to the status of the loan
  • Analyze loan applications based on applicable Fannie Mae, Private Mortgage Insurance, other investor, credit and property guidelines and program profiles
  • Manage client relations training to encourage high prospect-to-client conversion ratios and frequent referrals from past clients
  • Evaluate needs of departments and delegated tasks to optimize overall production
  • Oversee quality control to identify inconsistencies and malfunctions.
Certifications
  • NMLS Licensed #2277384 - 2021 to current
  • Subject Matter Expert (SME)
,
Education
High School Diploma: , Expected in to Agoura High School - Agoura Hills, CA,
GPA:
Awards

Recognized as Service Champion Award winner for outstanding service, performance and team contributions in 2022 with Logix.

Websites
  • www.linkedin.com/in/JessicaClaire2023

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Resume Overview

School Attended

  • Agoura High School

Job Titles Held:

  • Team Lead, Sr Loan Processor
  • Director of Operations, Mtg Lending
  • Sr Operations Specialist

Degrees

  • High School Diploma

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