ANISSA KIESTER

Real Estate Loan Processor & Broker

Self Employed Services

02.1994 - Current

Review loan application to determine completeness of all documents and verify borrowers qualification for specified loan product
Advise loan officer of any deficiencies or missing documentation
Works with escrow to obtain all items necessary for disclosure, estimated HUD, preliminary title report, closing protection letter and wire instructions
Prepares LE, fee worksheet and all disclosures (CD), orders appraisal and run credit
Package and submit complete files to operations through Encompass program. Handled large pipeline of 60 plus loans
Upon receipt of loan approval, works with loan officer, loan coordinator, and escrow officer to clear all prior to doc conditions and funding conditions
Prepares doc request and submits to loan coordinator
Arranges signing for borrower with escrow officer
Works with funder, loan officer and escrow officer to clear funding conditions
Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
Prepared file for final clear-to-close by branch management.
Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
Communicated with originator and applicant concerning progress of loan file.
Set up and completed loan submission packages.
Handled any conditions sent from underwriting departments.
Reviewed financial statements and contacted institutions and customers to clarify details.
Upheld complete confidentiality of all submitted information according to release guidelines.
Produced and submitted completed loan packages to title and escrow professionals.
Filed completed loan applications with underwriting and made approval or denial recommendations.
Verified credit histories, personal references and employment backgrounds for each applicant.
Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
Set up, stored and updated customer files, department records and regulatory paperwork.
Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
Reviewed and validated details of loan applications and closing documentation.
Oversaw file input in mortgage software and grant-specific software.
Evaluated approvals against established bank and government lending standards.
Coordinated closing process with attorneys, title companies and government clerks.
Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
Received on-going, comprehensive training on home loan products and mortgage process.