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Senior Loan Processor Resume Samples
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0-5 years of experience
Quicken Loans constantly pushes me to be better than I was the day before personally and professionally, encourages the development of new ideas, and stresses the importance of constant collaboration
- Closed well over 1,400 loans
- Sustained an average of a 95% Market Research Questionnaire
- Enhanced the verbiage for clients for several VA specific requirements on the loan website
- Headed the first completely online mortgage experience for VA loan products
- Reduced the time a client is in process by over 15 days on average
0-5 years of experience
Managed a daily pipeline averaging 75 loans included but not limited to: HARP, R&T, C/O, purchase
- Liaison between clients, mortgage consultants, title, closing department and underwriting to ensure quick and clean closings.
- Worked with underwriting and Mortgage consultant assisting in “saving” deals and restructuring of loan scenario’s to minimize cancellation and fall out.
- Awarded Top 5% Performer for 2010
0-5 years of experience
Served as the head of a small processing department for a startup company, specializing in reverse mortgages.
- Decreased total processing time to 24 days from 41.
- Supervised 1 other processor and 3 junior processors.
- Solved obstacles by finding contractors that would repair homes, and creating letters of explanation for derogatory credit.
0-5 years of experience
- Managed the production of the Processing Department
- Facilitated and executed all strategic planning and internal workings of mortgage loan file
- Meet weekly with 15 Loan officers and 20 Real Estate Agents to discuss loan status
- Main point of contact with borrowers to ensure their complete satisfaction during the loan process
- Increased the amount of loans closed by 50%
- Amplified revenue by 40%
- Consistently exceeded monthly goals
- Collected and analyzed required documentation for pre-approval of home loans
0-5 years of experience
- Consistently achieved highest monthly closing numbers among 10 loan processors, along with highest customer satisfaction ratings
- Trained all new processors and wrote/maintained processor training manual. On call 7×24 for all processors and loan officers
- Assisted owner in hiring/opening Patriot Settlement Services in 2008
0-5 years of experience
- Borrower contacts made when necessary throughout the entire loan process.
- Gathered necessary documentation needed from borrowers.
- Reviewed loans for accuracy and completeness before sending to underwriting.
- Coordinated and scheduled closings.
0-5 years of experience
Processing and Jr. Underwriting of Conventional Conforming and Non-Conforming, FHA and VA Purchase/Refinance Transactions
- Order Appraisal, Flood Determinations, Tax Transcripts, SSA Authorization and Verifications of Employment within 24 – 48 hours of receipt of file.
- Review new submissions for compliance with guidelines (FNMA, FHLMC, Hud, VA, Etc.) as well as internal or third party overlays, depending on proposed investor.
- Collect and review all conditions needed to complete loan for submission to Underwriter.
- Prepare loans for closing disclosure and closing documents. Obtain, review and clear prior to funding conditions to facilitate funding.
- Provides excellent customer service by effectively communicating and cooperating with all internal/external customers.
0-5 years of experience
- Processing and closing of commercial real estate loans, including SBA 504, 7a and Express; obtained and compiled necessary documentation requirements per Underwriting and Bank policy.
- Strong working knowledge of commercial loan documentation policies and standard industry guidelines.
- Responsible for working a higher volume loan pipeline.
- Effectively communicated and corresponded with BDOs, borrowers, title companies, brokers, and other business partners regarding the status of the loan, and updates any system notes. Ensures coordination of loan process with all appropriate parties.
- Ensures accuracy and compliance with Bank and/or regulatory requirements.
10+ years of experience
- Organized and managed a pipeline of over 100 loans in various states of processing including purchases, government FHA/VA and jumbo loans. Maintained contact with loan agent and customer for status updates while meeting/exceeding personal/company goals.
- Broad experience processing all types of mortgage loan applications: DU certified to process and underwrite loans to conforming DU guidelines for conventional refinances, FHA/VA purchase and refinances, equity loan, jumbo and Ditech family first transactions. Income/credit analysis and documentation and title review.
- Consistently met and exceed goals set by management for number of loans processed to closing customer service and turn time. Commended by loan agents and managers for timely processing of loans.
0-5 years of experience
- Responsible for the processing of refinance and purchase mortgages for a Large, FDIC insured mortgage bank. Loans consisted of FHA, Fannie Mae, and Freddie Mac and VA loan programs.
- Responsible for all RESPA/APR checks for the site to be sure all loans are in compliance prior to submission for QA review and Closing
- Maintained pipeline of 40-50 loans.
- Worked directly with sales and borrowers to obtain all relevant documentation necessary to complete underwriting requirements to be sure the files are complete, accurate and commitment dates were met as agreed.
- Responsible for all submissions to underwriting for approval, title requests and review, appraisal order and review, cleared all underwriting conditions, scheduling, quality assurance review.
0-5 years of experience
Managed a pipeline of up to 45 or more active files closing 60-70% per month
- Maintain weekly communication with Loan Officers, Support Staff, and Borrowers.
- Communicate and assist all parties to resolve issues.
- Review all documents for accuracy and assist with explanations and definitions where applicable.
- Meet all company policies as well as all regulatory policies.
- Other duties and responsibilities as directed by management.
0-5 years of experience
Accountable for Processing FHA/VA Government and Conventional loans through DU Refi Plus, LP, and running AUS.
- Thoroughly review each loan scenario to effectively determine documentation requirements from borrowers and educate them as their main point of contact throughout the entire process.
- Knowledgeably assess and clear all Underwriting conditions in a timely manner by effectively communicating with both borrowers and any third parties associated with the loan development.
- Coordinating each responsibility by successfully managing a pipeline to exceed borrower expectations, level of customer service, and turn times.
- Consistently executing a strong working knowledge of Lender/Investor guidelines and requirements to ensure a complete loan
0-5 years of experience
- Communicated directly with borrowers on status of loan process and underwriting conditions
- Cleared stipulations needed for files to ensure a quick turnaround time
- Performed processing of mortgage loan files that required verifications of loans documents
- Determined income calculations, with working knowledge of credit reports, DTI and LTV ratios, appraisal and title insurance
0-5 years of experience
- Corresponded with borrower, agents, title company, investors and builders on loan process
- Proficient in managing between 45 to 60 plus loan in pipeline.
- Product type: FHA, USDA, Conventional, VA and Re-fin
- Set-up files; ordered appraisal, Tax Transcripts, VOE, VOD, and Title Work; obtained documents from the borrower
- Submitted document to the investors; clear conditions for loan approval; Closed twenty loans per month
- Prepared closing documents; scanned file in the system; correspond with title company and investor to get an approved CD
0-5 years of experience
- Guaranteed that all loan documentation was complete, accurate, verified and complied with company policy, underwriting guidelines and lending program requirements.
- Ensured accurate and timely loan processing through efficient compilation of borrowers information and loan document verification.
- Responsible for the ordering of credit reports and liaising with third parties to obtain other reports and documents that are necessary to successfully close a loan.
- Substantiated loan documents including; title, insurance, appraisals, credit, income, tax certs. and LE/CD’s, ultimately preparing application for submittal to Underwriting.
- Identified common loan problems as well as delve deeper into the loans to find any other possible more extensive problems, prior to final submittal to Underwriting.
- Constant daily communication with Sales, Title, Underwriting, Closing, and Funding Depts.
0-5 years of experience
Documented letters of explanation regarding borrowers’ credit issues
- Elicited documentation to facilitate the loan process from start to close
- Verified employment, assets verification, reviewed appraisals, title commitments, payoffs, needed for loan process
- Trained newly hired loan officers
- Processed Sub-Prime, Conforming, FHA
- Administrative to team of loan officers- scheduled/planned closings between realtors, attorneys, borrowers, lenders
- Served as liason between loan officers, realtors, attorneys, borrowers, lenders
- Resolved audit finding via state/HUD/FNMAE regulatory guideline
0-5 years of experience
Received New Loan Applications for review, scrubbed loans to ensure proper documentation provided to submit to Underwriting for initial decision. Received approved loans from underwriters and kept Loan Officers and customers informed on loan status process from submission to closing.
- Processed FHA, VA and Conventional Loans
- Maintain productive pipeline
- Analyzed Tax Returns and Income Documentation
- Verified Employment and Asset Documentation
- Point of Contact for Customer and other 3rd parties
0-5 years of experience
- California Department of Real Estate License #01512521
- Junior of the Top-Producing “Junior/Senior Team”; responsible for entire loan process.
- Hired as Junior Loan Processor, quickly promoted to Senior Processor, Underwriter, and Funder; then obtained California Real Estate License and worked as a Loan Officer.
- Qualify Prospects, analyze credit, quote interest rates, verify income, analyze debt-to-income ratios, loan-to-value ratios, submit loan packages, verifications employment, mortgage/rent, deposit, order payoff demands, title reports/supplements, satisfy Lender/Investor conditions, draw correspondent documents (Docs), and prepare funding packages.
- Fund loan through Correspondent Lender’s Warehouse line; transfer servicing to Investors.
0-5 years of experience
- Process residential mortgage loans (Conventional, Purchase, FHA, VA, Refinance, USDA and Manufactured)
- Dealing with Investors and Brokers with a professional attitude
- Monitors and ensures closing dates and company deadlines are met.
- Obtains and verifies that all underwriting conditions are received and cleared by the underwriter Communicates with loan officers, buyers, sellers, title companies, builder and agents
0-5 years of experience
- Supported an average pipeline of 40 and close an average of 23 files each month using Contour and Pronet OS.
- Proficient with Conventional, FHA and VA loans.
- Brokered loan to Union Bank and TCF.
- Review application, credit report, loan to value ratios, title, appraisal, etc. to ensure that each loan meets secondary market, investor, and company standard.
- Order all required verifications, documentation and subsequent follow ups.
- Work with borrower and Loan Officer to gather, verify and clear conditions.
- Highly organized and detail oriented to ensure closing dates are met on time.
0-5 years of experience
- Managed the documentation, compliance and execution of mortgage loans from application to funding while maintaining a pipeline of 80 loans and aiming to close them in 30 days or less.
- Follow up on closed loans to ensure compliance with all secondary marketing standards and reconcile accounting to ensure collection of all fees due
- Maintain constant and accurate communication with loan officers and lenders
- Use Calyx Point, Encompass and DU daily with great proficiency
0-5 years of experience
Process and prepared for closing mortgage loans. (conventional, FHA, VA, Jumbo Loans, purchase and refinance)
- Issue proper disclosures as required by federal regulatory compliance and reviewed rate locks and points order all necessary exhibits for appraisals and credit reports.
- Review alternative documentation for accuracy and potential problems.
- Order title insurance, closing protection letters, wire instructions and escrow fees.
- Review flood and tax certificates and surveys noting all issue’s upon receipt.
- Review all documents thoroughly before submission to underwriting.
- Complete due diligence reviewing post-commitment conditions.
- Requested verification of mortgage and written documentation of verification of employment when necessary and coordinated loan closings with customers and title companies.
- Collaborate with your underwriting and sales management peers on business goals, department objectives, and company initiatives as part of my loan processing role.
0-5 years of experience
- Receive new file and complete initial file review process
- Submit loan to underwriting for initial approval
- Work approval/suspense conditions once file comes back from underwriting
- Send file back to underwriting for final approval and closing
- Prep file for closing, verify lock rate and pricing info
- Manage pipeline between 50-120 including FHA, VA, CONV Purchases and Refinances, Close between 15-25 loans per month
0-5 years of experience
Submit, track and follow up on all documentation required to close loans.
- Analyzing FHA, USDA, VA and conventional loans following investor guidelines
- Review submissions for completeness of documentation required for loan approval
- Utilizing systems of DU/LP using Encompass system.
- Requesting docs, reviewing HUD Settlement statement for accuracy.
- Communicating and meeting with clients for loan conditions and signing disclosures when needed.
0-5 years of experience
- Communicate loan status to Borrowers, Attorneys and Loan Consultants
- Provide excellent customer service to customers
- Supported 50 -100 loan pipeline
- Work with Loan Consultants to clear and add necessary conditions
- Risk loan authority to $1,000,000.
0-5 years of experience
- Process loan files from set-up to loan submission and follow through until closing
- Review and analyze appraisals, preliminary title reports, credit and asset documentation for accuracy
- Order credit reports, appraisals, and 4506T’s
- Prepare and / or review GFE and TIL for accuracy
- Perform other duties as assigned
0-5 years of experience
- Process VA, Conventional, USDA, Bond, and FHA home loans.
- Process loan documents: Organize truth in lending, Set up home appraisals, review (credit reports, W2’s, and 1099’s)
- Gather all bank statements, pay-stubs, tax/ insurance info for modifications, short-sales, deed in lieu, reversed payments, refunds, and extensions. – Income Evaluation & Calculation
- Multi-task a pipeline of 30 – 60 loans.
0-5 years of experience
- Pipeline of 45 plus loans of Conventional, Conforming and Non-Conforming and FHA
- 1st, 2nd’s and Purchases
- Customer Service, Members Service. Work with Loan Officers, Title, Escrow, Appraisers, Real Estate Agents and Underwriters
- Disclosures / Compliance, Order and review Credit Report, Title, Escrow and Appraisals
- Validate all documentation needed; assets, income, etc. to clear issues
- Pre-Underwrite and Submit file for initial approval and final approval. Provide funding conditions.
- Review HUD by comparing Good Faith Estimate to insure 2010 RESPA Guideline
0-5 years of experience
- Reviewed Conventional, FHA and VA loan application files for completeness and accuracy
- Ordered appraisals, title, homeowner’s insurance, FHA case numbers and questionnaires
- Verified employment, income, funds to close and identity
- Reviewed credit reports for liabilities/accuracy and obtained credit supplements
- Communicated extensively with borrowers, loan officers, agents and title agents for outstanding underwriting and/or closing conditions
- Disclosed loan estimates and disclosures, when required
- Programs: Encompass 360, DO, LP, FHA Connection and FraudGuard/Mavent
0-5 years of experience
- Processed New home purchases for the State of Texas
- Processed Conventional FHA/VA and Conventional loans
- Reviewed loan disclosures according to loan product
- Reviewed purchase sales contracts
- Pulled borrower credit reports reviewed for accuracy
- Ordered documentation from 3rd vendors i.e. credit reports, appraisals, Tax returns, Title reports, 3rd party verifications, Employer, Mortgage/Rent and assets
- Borrower contact, Loan Officer contact to provide accurate loan status from beginning to funding
6-10 years of experience
Manage pipeline for loan officers from loan process to closing
- Review and check documentation for accuracy, run file through DU/LP system to assure the file gets an approval
- Pull Credit report from 3rd party company and work directly to resolve any credit issues found on report
- Complete the process of the file and submit the file directly to underwriter, once received approval worked directly with the loan officer and borrower to clear the file to close
- Managed the branch pipeline to when files needed to close due to the purchase date or any expiring loans with investors
0-5 years of experience
- Experience with processing FHA, VA, USDA, HARP, Home path, Renovation, Bond and Conventional loans
- Experience with Underwriting Level 1 & 2 conditions review and Quality Control
- Experience with processing and underwriting in FNMA DU/DO, Freddie Loan Prospector, GUS, Calyx Point, Encompass
- Responsibilities include: overseeing & management of large pipeline, reviewed and analyzed financial and credit status of homeowners, including tax returns with all schedules, W-2s, 1099s, asset statements, pay stubs, etc.
- Processed and analyzed property appraisals, title, hazard, mortgage and flood insurance
- Analyzed complete loan paperwork for pre-approval and submission to underwriting
- Fulfilled all loan conditions for final loan approval, order closings documents, reviewed closing documents, and performed Pre-closing reviews
- Prior to funding, performed detailed quality control on customer files
- Prior to investor, performed quality assurance and obtain necessary documents for shipping to investors
0-5 years of experience
- Processed and pre-underwrote retail FHA negative equity refinance loans from origination to closing.
- Managed daily pipeline; average of 30 loans and responsible for obtaining all loan documents needed.
- Worked independently, processing and pre-underwriting high volume loans under fast paced, stressful work environments.
0-5 years of experience
Maintained a pipeline of 20 to 30 loans.
- Processed Conventional loans.
- Ordered & reviewed Credit Reports, Titles & Appraisals.
- Processed Conventional & FHA Loans.
- Processed loans from opening to closing.
0-5 years of experience
- Assist in monitoring loan portfolio by collecting all financial documents per reporting requirement, performing professional-level periodical financial analysis on new/existing borrowers. Obtain all necessary customer financial information and documentations (D&B, UCC, Credit Reports, Appraisals) required for credit analysis on loans maturing or renewing, and ensure compliance with lending policies and regulations.
- Analyze and validate borrower loan applications from an income, credit, liabilities and assets perspective. Validate and analyze financial documentation for accuracy, documents include personal and corporate tax returns, profit & loss statement and bank statements.
- Review appraisals, rent rolls, leases, and property cash flow to evaluate operating performance, trends and risks for loans that are secured by real estates. Review and analyze corporate and individual tax returns, interim or financial statements, personal financial statements and other related documents to evaluate liquidity positions, financial ratios, recurring sources of cash flow, and borrower ability to service debt. Assist in obtaining all loan conditions from customers and assist in the loan closing process.
- Monitor accounts and partner with Senior Credit Analysts and other departments on any loans requiring special actions and help re-evaluate the risks of the loans. Identify and report problem loans to Senior Credit Analysts/ management and prepare Risk Analysis and Action Plan report for problem loans.
- Assist in maintaining credit reporting and performing financial analysis. Prepare various reports for Senior Credit Analysts to ensure timely review for portfolio review, covenant compliance, past due and maturing loans.
- Follow appropriate internal control practices/policies/procedures and exercise care/diligence ensuring records, reports and related documents are confidential.
0-5 years of experience
- Process files
- Communicated with brokers
- Top closing producer
- Managed pipeline of about 120 loans
- Prepared file for Underwriting
- Cleared/Stipulated conditions
- Worked remote
- Assisted CD team
0-5 years of experience
- Loan evaluator
- Point of contact for borrower
- Fulfills underwriter conditions
- Trains entry level loan processors
- Manages a pipeline of 30 plus loans
0-5 years of experience
- Pull and review pipeline reports
- Enter loan information into the loan origination system and update the estimated closing dates and file status dates as received
- Review new loans, order all third party documentation and send needs list to Borrower
- Analyze credit, review asset statements, review income documents and calculate figures such as income from paystubs and tax returns
- Submit loans to underwriting for approval
- Review underwriting conditions upon approval and communicate to the Borrower and LO all required documentation needed to receive a clear to close on the file
- Communicate clearly and professionally with all clients, internal staff and other associated external agencies to facilitate all processing issues in a timely manner
- Document Conversation Log of all work performed on files as well as all correspondence with Borrowers and Loan Officers
- Other duties and responsibilities as assigned
0-5 years of experience
- Responsible for processing the following types of loans in a paperless environment Home Equity Loans.
- Reviewing applications for completeness. Inputting and updating data in NetOxygen.
- Approved to underwrite loans up to $150K
- Acting as the primary point-of-contact for customers.
- Ordering appraisals through Landsafe, flood, and title through LenderLive.
- Followed up on receipt of third party documentation and service and documents requested from customer.
- Reviewing income documents and confirming date integrity of documentation.
- Completed underwriting screens in NetOxygen and ran final clues.
- Cleared conditions and readying transactions for loan closing.
0-5 years of experience
- Ensure accuracy of borrower information, loan program set-up, lender & title fee’s prior to initial loan disclosure/Electronically emailed borrower/s initial loan disclosures
- Order FHA Case #’s, Updates, CAIVRS etc., COE’s COE updates and restorations on VA Loans
- Implement constant levels of communication both internally and externally
- Request all 3rd party verifications (i.e. title, appraisal, HOI updates, payoff statements, Social Security verification & tax transcripts, Condo docs, subordinations, etc.)
- Review all borrower signed loan disclosures / supporting docs, calculate borrower income
- Responsible for quality submission of file to underwriting for conditional approval /Investor Approval
- Schedule closing w/ all affiliated parties (i.e. Title Co, borrower/s, title, attorney/s, and realtor/s.)
- Maintained constant communication with assigned Loan Officers
- Serve as Team Lead, Assist other team processors when needed throughout Loan Process from Open to Close
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[Senior Loan Processor]
Last edited by: Gabriela Barcenas, CPRW, Content Writer II -
Gabriela Barcenas
CPRW, Content Writer IIGabriela is a Certified Professional Resume Writer (CPRW) and career adviser. With 10 years of digital media experience and five years of resume writing expertise, her publication history includes fashion, education, travel, social justice, equitable design and career advice.
