Maple Grove, MN
Looking to process mortgage loans remotely or assist Loan Officers for a high-quality company with a good reputation. High level skills in structuring and documenting complex loans, meeting company, investor and regulatory guidelines while obtaining first time underwriting approvals with minimal conditions. Highly respected by Underwriters. Held Processing Manager positions at US Bank Home Mortgage, Lakeland Mortgage and Knutson Mortgage. Mentored new Processors and provided continued training and support for Processors of higher levels and Loan Officers. Work effectively with multiple Loan Officers, from multiple states, maximizing efficiency and profitability.
Authorized to work in the US for any employer
July 2016 to December 2017
Processed loans through encompass for 6 Loan Officers (2 from other
states), including review and sending disclosures to clients, review of loan
documents upfront and request of additional documentation if needed, and submission to Underwriting for initial approval. Kept the clients and Loan
Officers updated on status. Processed Conventional, FHA, VA, MHFA and USDA loans. Communicated with Loan Coordinators for the closing of the
loans. Respected by Underwriting for minimal conditions and thorough
May 2015 to June 2016
Processed loans through Point and then Encompass for 6 Loan Officers, 3
in-office and 3 in other branch locations. Reviewed documentation upfront,
requested additional documentation if needed and submitted the loans to Underwriting for initial approval. Processed Conventional, FHA, VA, MHFA and USDA loans. Responsible for getting final approval and ready to close.
October 2011 to May 2015
Promoted to Processing Supervisor
US Bank Home Mortgage
Started as Loan Processor with National Account Services, Relocation Joint
Venture with US Bank. Processed loans with 30 day closings for clients across the US. Three of my Loan Officers were in the Top 10 Loan Officers.
Although we had our highest year volume, US Bank decided to cease
involvement in joint ventures, as did many other Lenders. They saw our talent and results and wanted us to stay on. They gave our group other state’s
originations to process. I was promoted to Processing Supervisor. Managed
a group of Processors, working with Riverside, Kansas City and Omaha.
Enjoying the challenge, I received the Silver Shield Award for my excellent
service. We were all moved to the HUB in Richfield for centralization.
Mortgage Specialist/Loan Processor
April 2010 to August 2011
Integral role in the start-up for a new branch office. Solid resource for branch personnel. Maintained efficiency in investor and regulatory
guidelines. Assisted Loan Officers in structuring and documenting loans and meeting compliance expectations. Opened, processed, and provided
what was needed to close loans. High knowledge level in working with many
self-employed borrowers and complicated loans. While interacting with clients throughout the process, I gave high, consistent customer service.
Loan Partner/Loan Officer/Processor
April 2009 to March 2010
Successfully assisted high producing Loan Officer, taking applications, and professionally putting quality loans together, meeting all company, investor, and
regulatory guidelines. Main contact for clients and real estate agents throughout the process, updating them each week, processing the loans,
obtaining loan approvals and attending closings giving exceptional service to
clients and real estate agents. Loan Officer moved and I was asked to stay on and process for 8 Loan Officers. High respect from Underwriting and Loan
Accounts Receivable/Customer Service PT then offered FT
February 2007 to March 2009
Daily electronic and manual bank deposits, processed credit card charges,
daily closeout, posting, invoicing, maintaining 3 large customer websites
for invoicing, aging schedule, collection calls and letters. Assisted clients in purchasing equipment by phone, gave information, troubleshoot for issues and
coordinated with Shipping Dept. for time sensitive deliveries. Maintained
database sent newsletters and made donation deposits for Ministry. Assisted in many projects.
Branch Manager/Loan Officer
January 1997 to April 2008
Managed my Net Branch under Corporate. Maintained proficiency with FHA,
VA, Conventional, and investor guidelines. Managed Loan Officers that I
hired, including the processing of their loans through underwriting final approval and providing necessary information for closing the loans. I also originated
FHA, VA, Conventional and subprime loans through networking, referrals and
real estate agent relationships. Assisted Owner and Underwriting Manager, as requested, with the processing of loans in other states and assisted in
acclimating new Loan Officers to Corporate policies and procedures. Profit and Loss accountability. Great relationships with Underwriters.
June 1993 to December 1996
Supervised processing staff of 15, receptionist and assistant. Responsible for staffing, training and development, meeting deadlines and customer
satisfaction. Liaison between Loan Officers and Executive Management.
Prepared detailed memos providing all employees with industry and company
changes and wrote and maintained manuals for training and policies and procedures. Maintained proficiency in FHA, VA and Conventional guidelines.
Interacted with Closing and Shipping Departments, as a team, with the same
end goals. Met with new Loan Officers to provide training on policies and procedures. Prepared sales reports and provided support for Executive
April 1992 to June 1993
Plymouth Capital was the mortgage arm of Miles Homes for construction
loans. Monitored title commitments in various states and worked with clients and title attorneys to resolve title issues in order to expedite construction
loan closings. Wrapping land loans and preparing closing instructions for the
title companies. Shared information with the warehouses so materials could
be delivered to the sites. Attended meetings with other departments of Miles
Homes to cross train the departments. Made suggestions to Management to improve the flow and saw changes implemented.
November 1988 to March 1992
Weight Loss Clinic/Trim 4 Life
Hiring and ongoing training for the consulting and sales staff of 15, sales and growth of the Clinic, operation, accounting, and client results. I
substantially increased the client base in Minnetonka, Brooklyn Park and
Coon Rapids through my sales and ongoing training with the Consultants and Assistant Managers. I consistently kept Coon Rapids in the top 3
Nationwide of 164 Clinics. Presented weekly meetings providing new
information, new ideas, support and motivation.
Silver Shield Award from US Bank Home Mortgage
Reward for high achievement as Processing Supervisor under a unique circumstance with illnesses causing me to cover for my Operation’s Manager and Peer Processing Supervisor, as well as performing my own job. I took on the challenge I saw before me and exceeded all expectations.
Had Originator License but now it is expired.
I would prefer to process loans remotely. I have successfully worked remotely for 10 years of my career. I would be fine with traveling for meetings.