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Loan Consultant Resume

Charlotte North, CarolinA

SUMMARY:

  • Career Summary: Dynamic self - starter with over 6 years of experience in the Mortgage Loan Processing, front-end/back-end. Personal skills include a commitment to integrity, a drive for excellence, and consistent professionalism. I’m an advanced user of Microsoft Office products, including Word, Access, Excel and PowerPoint. Proven ability to exhibit persistence, creativity and superb attention to detail while utilizing highly developed time management skills to strategically exceed goals.

PROFESSIONAL EXPERIENCE:

Confidential, Charlotte, North Carolina

Loan Consultant

  • Inputs all borrower information into the 1003 (LOS).
  • Reviews and understands AUS findings in detail and ensures that supporting borrower documentation (i.e. income, assets, liabilities and credit) match the information provided on the 1003.
  • Provides guidance to borrowers on loan processing flow including an introduction to assigned loan processor.
  • Works with dedicated Loan Processor to ensure optimum customer service and loan quality; collaborates with Loan Processor on follow-up of conditions and loan status communication to customer and referral partner.
  • Ensures federal and state required compliance documentation is signed at time of application or has been mailed to the client for signature within 3 days of application interview.
  • Locks loan in H2O, ensuring lock meets offered rate and covers estimated closing date.
  • Manages locks requiring corrective steps such as extensions or re-locks.
  • Communicates to borrowers and/or their agents regarding loan approval, suspense or denial.
  • Mortgage loan production at/above required volumes.
  • Presentation of Caliber Value Proposition to potential business sources.
  • Solicitation of new mortgage loan opportunities within existing and potential customer base.

Confidential, North Carolina

Lead Operation Analyst

  • Managed pipeline with over 100 cases assigned to me.
  • Created reference guides and material used to improve process incorporated in standard operating procedures.
  • Hosted training meetings and performed employee performance assessments.
  • Tracked, maintained and submitted all on-going documentation throughout process.
  • Actively participated in Quality Improvement activities as requested.
  • Responded and obtained requests for documentation submitted to the department via phone, fax, and mail.
  • Submitted metrics to upper management and performed other leadership duties as requested.

Confidential, North Carolina

Refinance 3 Step

  • Assisted borrowers with packets for the HARP refinance process.
  • Reviewed documents including GFE, HUDD 1 Settlement Statement, Uniform Residential Loan Application, and Appraisals.
  • Cleared conditions set forth by Underwriter to expedite the process in a timely fashion.
  • High-level of organizational skills utilized from initial contact through to completion.

Confidential, North Carolina

Fulfillment Team /Mortgage Loan Processor

  • Loss Mitigation Department assisted borrowers that are primarily in default status. Worked in a team environment to minimize risk and to provide a fair, fast, and final resolution.
  • Proven leadership abilities recognized consistently by upper management for my achievements.
  • Nominated for the Employee Spotlight Newsletter for outstanding customer service.
  • Created reference guides and material used to improve process incorporated in standard operating procedures.
  • Exceeded departmental goals on a monthly basis of receiving 5 out of 5 point scale of calls randomly selected.
  • Selected for multiple projects to assist in improving process and design.
  • Consultant to several lines of businesses within the bank included Business Support and Process Design.

Confidential

Loan Officer

  • Analyzed all loan docs associated with Residential Loan application, HUDD, Mortgage Application, Appraisal, Good Faith Estimate.
  • Provided financial services in the effort to support and ensure long-term affordability.
  • Assisted and developed action plans to help clients meet their financial goals.
  • Completed lender applications and explained the legal disclosures and submitted all material to the lender.
  • Analyze income, assets, credit history, real estate property appraisals, homeowner’s insurance, mortgage and flood insurance, title commitments and W2 documentation to ensure accuracy.
  • Verify employment along with credit history to determine creditworthiness while adhering to all regulatory and compliance requirements.

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