Sharon Cooper
1514 Cella Homma Lane, Knoxville
Summary
Experienced with mortgage loan processing, ensuring seamless end-to-end loan approvals. Utilizes strong organizational skills to manage loan documentation and coordinate effectively with colleague's. Track record of maintaining compliance and accuracy, delivering high-quality service in fast-paced environment.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Business/Mortgage Loan Processor
Y-12 Credit Union
04.2023 - Current
- Request all appraisals, title commitments & payoffs
- Prepare loan documents for closing
- Prepare file for final clear-to-close by branch manager
- Coordinate all closings with attorneys & title companies
- Manage monthly Insurance report
- Manage monthly Annual Review report
- Manage monthly Site Inspection report
- Assist with annual audits including NCUA
- Answer all incoming calls to our Business Lending Department
Mortgage Loan Processor
GATEWAY MORTGAGE
04.2021 - 11.2022
- Processed mortgage loans from contract to close
- Requested appraisals, titles, home owners insurance, credit supplements and flood certificates
- Vast knowledge of Conventional, FHA, VA, USDA and THDA loan programs
- Extensive knowledge with Desktop Underwriter & Loan Prospector
- Communicated conditions to borrowers in easy-to-understand, non-mortgage verbiage
- Assembled and verified accuracy of residential loan documentation
- Reviewed mortgage applications to determine accuracy, completeness and compliance
- Submitted loan applications with recommendation for underwriting approval
- Advised customers regarding loans and transactions
- Ordered property insurance or mortgage insurance policies to protect against loss on mortgaged property
- Scheduled and conducted closings of mortgage transactions
Mortgage Loan Processor
Cardinal Financial Company
04.2019 - 04.2021
- Processed all mortgage loans from contract to close
- Reviewed mortgage applications to determine accuracy, completeness and compliance
- Requested all appraisals, title,home owners insurance, credit supplements, flood certificates FHA case numbers, CAIVRS and COE’s via the VA website
- Submitted loan applications with recommendation for underwriting approval
- Communicated conditions to borrowers in easy-to-understand, non-mortgage verbiage
- Scheduled closings with clients and title companies
Loan Officer Assistant
Keystone Mortgage Group
07.2014 - 04.2019
- Completed all loan applications, requested credit report and requested documentation from clients for pre-approval
- Acted as point of contact by keeping clients and referral partners informed throughout process
- Contacted credit bureaus and additional reporting sources to check applicants' credit and personal references
- Assembled and compiled documents for loan submission to Underwriting, i.e., running DU, LP, GUS and requesting credit supplements for conditional approval
- Requested property insurance, titles, verification of employment, FHA case numbers
- Scheduled closings with clients and title companies
Education
High School Diploma -
Milton High School
Alpharetta, Georgia06.1987
Skills
- Loan Origination
- Credit Applications
- Desktop Underwriter
- Government Lending
- Generating Reports
- Desktop Underwriter
- Government Lending
- Multitasking
- Attention to detail
- Teamwork
- Credit reporting
- Property insurance
Certification
Mortgage Loan Originator
NMLS 1390429
Timeline
Business/Mortgage Loan Processor
Y-12 Credit Union
04.2023 - Current
Mortgage Loan Processor
GATEWAY MORTGAGE
04.2021 - 11.2022
Mortgage Loan Processor
Cardinal Financial Company
04.2019 - 04.2021
Loan Officer Assistant
Keystone Mortgage Group
07.2014 - 04.2019
High School Diploma -
Milton High School
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