Experience

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  Liberty first credit union

  Jan 2002 - Apr 2003

  Closing coordinator

  Processed and prepared Conventinal, FHA, VA, and NIFA loans for underwriting. Cleared all loan stipulations upon loan approval. Coordinated appraisals, inspections, title work, and insurance. Managed expectations of clients, loan officers, realtors, and sellers. Prepared all loan closing documents and checks necessary to fund the loan and complete the transaction.

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  Baybridge real estate group

  Jun 2003 - Nov 2007

  Operations manager

  Initially in a Senior Loan Processing position and promoted to Operations Manager/Mortgage Broker in 2005. Responsible for the overall management of the Residential Mortgage Division. Trained and managed a team of up to 5 mortgage brokers. Recruited and interviewed candidates for hire. Developed a streamlined loan process, thereby enabling company to handle higher loan volume in an efficient manner. Processed and approved monthly bills for payment and handled incoming commissions and payouts to brokers. Collaborated with BayBridge President to structure annual business plans. Developed and implemented methods to market new products and retain client base. Built relationships with title companies, mortgage brokers, and realtors in an effort to get referral business. Responsible for the establishment of new banking relationships as well as the management and maintenance of existing banking relationships. Maintained compliance for loan files, broker's individual licenses, and company's correspondent lender license. Filed quarlerly reports with the State of Florida. Updated and contributed material to company website. Show less

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  Security first bank

  Dec 2007 - Mar 2011

  Senior mortgage processor

  Responsible for generating compliant disclosures and closing documents for Conventional, FHA, VA, NIFA, Rural Development, Construction-Perm, Home Equity, as well as Non-Conforming Portfolio loans in accordance with MDIA, Regulation Z, and RESPA regulations. Prepared and submitted appraisals, titles, and insurance searches to underwriting and investors for loan approval. Complex loan packages required the management of expectations of clients, loan officers, realtors, and sellers. Utilized delegation and oversight authority within the Centralized Loan Processing team to manage workloads and results. Funded notes and handled loan disbursements. Packaged and shipped loans to investors for purchase and cleared all purchase stipulations. Prepared loan profit summaries for purchased loans and allocated funds to appropriate bank general ledgers. Followed up with delivery of final docments to investors. Show less

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  Hastings state bank

  Mar 2011 - Aug 2012

  Real estate loan specialist

  Duties included analyzing mortgage applications and credit documents to anticipate the additional documentation needs requested by mortgage underwriters. After preparation of compliant disclosures and closing documents, the loan packages were submitted to investors for loan approval. Upon loan closing, loans were funded and disbursements processed. Also shipped loans to investors for purchase and cleared all purchase stipulations. Prepared loan profit summaries for purchased loans and allocated funds to appropriate bank general ledgers. Show less

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  Mutual of omaha bank

  Aug 2012 - Nov 2014

  Senior mortgage/consumer loan processor

  Currently responsible for processing Conventional, FHA, VA, and Community First loans. Primary duties include start to finish processing of loan documentation to verify the accuracy and completeness of each file, collection of necessary verifications and documentation, and submittal of completed files to underwriting for final loan approval.

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  Union bank & trust

  Nov 2014 - Jun 2015

  Mortgage loan assistant
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  Homeservices lending, llc

  Jul 2015 - Jun 2019

  Mortgage loan officer nmls 921854
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  Prosperity home mortgage, llc

  Jun 2019 - Feb 2020

  Mortgage consultant
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  Fairway independent mortgage corporation

  Feb 2020 - now

  Mortgage loan officer