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Click here or scroll down to respond to this candidateCandidate's Name
ExperienceSr Loan Processor Residential Funding Consultants, Marietta, GA APR '20 - PRESENTPHONE NUMBER AVAILABLE EMAIL AVAILABLE Winder, GA 30680 Self-motivated Sr Loan Processor with extensive experience in mortgage banking and analysis. Collaborated with lenders, brokers, and attorneys to meet customer expectations and close loans on time. Analyzed credit reports to assess risk and ensure compliance with federal statutes and government standards. Utilized strong customer service skills to communicate effectively with customers regarding their loan applications. Proficient in using automated underwriting systems such as Fannie Mae Desktop Underwriter and Loan Prospector. Performed detailed calculations of borrower's income, assets, liabilities and overall financial status to determine eligibility for loan approval.Collaborated with lenders, brokers and attorneys throughout the entire loan process to meet customer expectations and close loans on time.Maintained updated knowledge of lending guidelines from various sources including Fannie Mae, Freddie Mac, VA, FHA, USDA and internal underwriting requirements. Verified bank statements, tax returns, pay stubs and other documents to ensure accuracy of information provided by applicants.Analyzed credit reports to assess risk and ensure that all documentation is accurate and in compliance with standards.Reviewed loan applications for accuracy and completeness, ensuring compliance with all applicable federal, state and agency regulations.Utilized strong customer service skills to effectively communicate with customers regarding their loan applications.Processed loan applications, including verifying customer information, preparing documents, and ordering third-party services.Successfully maintained a high level of accuracy in processing loan documents and ensuring compliance with all state, federal, and agency guidelines.Verified that all required documentation was received before submitting the file for final approval. Worked closely with underwriters to resolve any outstanding conditions or issues related to a loan file. Prepared loan files for submission to underwriting by updating MLS and ordering titles, insurance and appraisals.Handled sensitive data in an accurate manner by following established security protocols. Reviewed and verified submitted loan applications for completeness and accuracy for loan execution. Applied advanced mathematical knowledge when calculating debt-to-income ratios and loan-to-value ratios. Collected required documentation from applicants and followed up on missing items. Conducted detailed reviews of borrower's credit history, income statements and other financial information to Sr Loan Processor Real Estate Financial Services, Buford, GA JUN '17 - APR '20ensure accuracy.Maintained a comprehensive understanding of mortgage lending regulations such as the Real Estate Settlement Procedures Act, Truth in Lending Act, Fair Credit Reporting Act, Equal Credit Opportunity Act. Built positive relationships with lenders, brokers and borrowers to ensure timely processing of loans. Evaluated loan applications for creditworthiness, ensuring compliance with internal policies and regulations. Collaborated closely with underwriting and sales to obtain loan approval. Displayed excellent attention to detail when verifying accuracy of borrower's personal information entered into the system.Performed quality control checks on all completed loan files prior to submission for underwriting approval. Researched loan documents and regulations to ensure compliance with all federal, state, and local laws. Coordinated with external vendors such as appraisers, credit bureaus and insurance companies. Exhibited proficiency in using automated underwriting systems such as Fannie Mae Desktop Underwriter and Loan Prospector.Implemented effective strategies for resolving loan application issues or discrepancies. Assembled and compiled documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts.Contacted customers by mail, telephone, or in person concerning acceptance or rejection of applications. Ordered property insurance or mortgage insurance policies to protect against loss on mortgaged property. Performed detailed calculations of borrower's income, assets, liabilities and overall financial status to determine eligibility for loan approval.Analyzed credit reports to assess risk and ensure that all documentation is accurate and in compliance with standards.Verified bank statements, tax returns, pay stubs and other documents to ensure accuracy of information provided by applicants.Reviewed loan applications for accuracy and completeness, ensuring compliance with all applicable federal, state and agency regulations.Maintained updated knowledge of lending guidelines from various sources including Fannie Mae, Freddie Mac, VA, FHA, USDA and internal underwriting requirements. Collaborated with lenders, brokers and attorneys throughout the entire loan process to meet customer expectations and close loans on time.Utilized strong customer service skills to effectively communicate with customers regarding their loan applications.Processed loan applications, including verifying customer information, preparing documents, and ordering third-party services.Successfully maintained a high level of accuracy in processing loan documents and ensuring compliance with all state, federal, and agency guidelines.Verified that all required documentation was received before submitting the file for final approval. Prepared loan files for submission to underwriting by updating MLS and ordering titles, insurance and appraisals.Worked closely with underwriters to resolve any outstanding conditions or issues related to a loan file. Reviewed and verified submitted loan applications for completeness and accuracy for loan execution. EducationShamrock High School, Decatur, GAJUN '90High School DiplomaSkillsContacting Borrowers Financial Document Review Loan Evaluations Information Verification Mortgage Banking and Analysis Appraisal Reviews Loan Paperwork Application Preparation Calyx Point Data Entry Customer Interaction Reading Comprehension Legal Documentation Cash Flow and Financial Analysis Processing Procedures Desktop Underwriter Underwriting Collaboration Lending Software Systems Program Requirements Knowledge of VA Loan Process Mortgage Closing Scheduling 10-Key Data Entry Analytical and Critical Thinking Closing Costs Calculation Credit Applications Microsoft Office Equifax Application Engine Oral and Written Comprehension Credit Reporting Software ReferencesCollected required documentation from applicants and followed up on missing items. Maintained a comprehensive understanding of mortgage lending regulations such as the Real Estate Settlement Procedures Act, Truth in Lending Act, Fair Credit Reporting Act, Equal Credit Opportunity Act. Demonstrated ability to review complex legal documents including title reports, appraisals, surveys., for completeness and accuracy.Evaluated loan applications for creditworthiness, ensuring compliance with internal policies and regulations. Exhibited proficiency in using automated underwriting systems such as Fannie Mae Desktop Underwriter and Loan Prospector.Worked closely with customers to help them understand loan terms and conditions. Assembled and compiled documents for loan closings, such as title abstracts, insurance forms, loan forms, and tax receipts.Contacted customers by mail, telephone, or in person concerning acceptance or rejection of applications. Prepared and typed loan applications, closing documents, legal documents, letters, forms, government notices, and checks using computers.Advised customers regarding loans and transactions. Ordered property insurance or mortgage insurance policies to protect against loss on mortgaged property. Scheduled and conducted closings of mortgage transactions. Travis JohnsonResidential Funding ConsultantsPartnerTJ JohnsonResidential Funding ConsultnatsLoan OfficerKathy PollardHomeBridge WholesaleAccount ExecutiveEmployerPHONE NUMBER AVAILABLEEMAIL AVAILABLECo-WorkerPHONE NUMBER AVAILABLEEMAIL AVAILABLEFriend / Industry AcquantancePHONE NUMBER AVAILABLEEMAIL AVAILABLE |
