Loan Processor

Senior Loan Processor — Pinnacle Home Loans

Atlanta, GA | August 2023 – Present

• Processed over 450 residential mortgage files from application to clear-to-close, consistently maintaining a $45M active pipeline with zero missed contract dates.
• Analyzed complex income structures, including self-employed tax returns (Schedule C, 1120S) for 120+ borrowers, reducing underwriting conditions by 28%.
• Evaluated loan applications using Encompass and Fannie Mae DU, identifying and resolving 60+ critical documentation discrepancies prior to final submission.
• Collaborated with underwriters, title companies, and loan officers to streamline verifications (VOE, VOD, VOM), cutting average processing cycle time from 32 to 25 days.

Loan Processor — Summit Financial Services

Atlanta, GA | June 2021 – July 2023

• Managed a portfolio of 180+ conventional and FHA home loans annually, ensuring 100% compliance with TRID, HMDA, and internal credit policy guidelines.
• Reviewed credit profiles, asset statements, appraisal reports, and title commitments for 300+ loan files, reducing post-closing quality assurance defects by 32%.
• Coordinated the resolution of loan conditions with borrowers and third-party vendors, improving the application-to-approval conversion rate from 81% to 94%.
• Conducted weekly pipeline reviews with 6 loan officers to prioritize closing documents, accelerating loan funding timelines by an average of 4 business days.

Loan processing, Mortgage underwriting guidelines, FHA loans, VA loans, USDA loans, Conventional loans, Tax return analysis, Debt-to-Income calculation, Loan-to-Value calculation, Encompass, Calyx Point, Fannie Mae DU, Freddie Mac LPA, TRID compliance, HMDA guidelines, Pipeline management, Customer service, Verification of Employment

Digital Loan Origination Migration

Role: Lead Processor

Tools: Encompass, Fannie Mae DU, Slack

Led the migration of 400+ active loan pipelines to a new Encompass SaaS environment, completing the transition 2 weeks early with zero lost documents and zero compliance errors.

Commercial Pipeline Optimization

Role: Senior Processor

Tools: LendingQB, Salesforce, Excel

Standardized the verification checklist for self-employed borrower tax files, reducing pre-underwriting review cycle times by 24%.

• Certified Mortgage Processor (NAMP®-CMP®) (2023)
• Certified Loan Processor (CLP) (2022)

• Languages: English (Native), Spanish (Bilingual)
• Volunteer Work: Financial literacy workshop instructor for local community center (2022-present)
• Availability: 2 weeks notice