Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Carla Johnson

2700 Rice St

Summary

Accomplished Sr Loan Processor with a proven track record at Wells Fargo Bank, enhancing loan processing efficiency and customer satisfaction. Expert in mortgage underwriting and adept at clear communication, I streamlined documentation and significantly improved operational workflows. My strong attention to detail and team collaboration strengths have consistently expedited loan approvals and maintained regulatory compliance.

Overview

17
17
years of professional experience
1
1
Certification

Work History

Sr Loan Processor

USA Mortgage
01.2024 - 02.2025
  • Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
  • Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
  • Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
  • Streamlined loan processing by implementing efficient workflow systems and task prioritization.
  • Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
  • Developed a comprehensive understanding of various lender guidelines which helped expedite loan approvals.
  • Provided quick turnaround times to maintain fast-past schedule.
  • Reduced loan processing time by developing and employing standardized documentation procedures.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Coordinated seamlessly with sales teams to ensure proper alignment of expectations and timelines between clients and internal departments.
  • Implemented quality control measures that resulted in reduced discrepancies within client files.
  • Organized detailed records of completed loans for easy retrieval during audits or reviews.
  • Leveraged industry knowledge to provide expert guidance on loan products best suited for borrower needs, enhancing customer satisfaction levels.
  • Expedited funding process by closely collaborating with closing agents to resolve any outstanding issues promptly.
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Handled any conditions sent from underwriting departments.
  • Prepared documents for underwriting by verifying client income, credit reports, and other information.
  • Evaluated approvals against established bank and government lending standards.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
  • Conducted thorough borrower credit analysis to accurately assess financial stability and minimize default risks.
  • Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
  • Set up and completed loan submission packages.
  • Utilized loan origination software to process and track loan applications.
  • Developed and maintained relationships with customers and loan officers to establish smooth loan process.
  • Advised loan officers to comply with loan guidelines and apply best practices.
  • Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
  • Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.

Sr Loan Processor

Loandepot
12.2018 - 01.2024
  • Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
  • Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
  • Streamlined loan processing by implementing efficient workflow systems and task prioritization.
  • Leveraged industry knowledge to provide expert guidance on loan products best suited for borrower needs, enhancing customer satisfaction levels.
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Handled any conditions sent from underwriting departments.
  • Prepared documents for underwriting by verifying client income, credit reports, and other information.
  • Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
  • Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
  • Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
  • Level 1 underwriting authority

Loan Coordinator III

Wells Fargo Bank
06.2008 - 11.2018
  • Enhanced loan processing efficiency by streamlining documentation and communication between departments.
  • Managed client expectations by clearly communicating terms, conditions, requirements, and timelines throughout the loan process.
  • Assisted in risk management efforts by carefully evaluating borrower qualifications against established lending guidelines and escalating potential concerns to appropriate decisionmakers.
  • Utilized advanced software tools to efficiently manage pipelines, prioritize tasks, track progress, and meet deadlines consistently without sacrificing accuracy or quality of work output.
  • Improved customer satisfaction with timely status updates and transparent communications during the loan process.
  • Ensured prompt funding of approved loans by coordinating with settlement agents, attorneys, and title companies for timely disbursement of funds.
  • Expedited loan approvals by collaborating closely with underwriters to address concerns and provide necessary information.
  • Collaborated with other departments to resolve issues quickly, maintaining seamless workflow during busy periods.
  • Developed strong rapport with clients and referral partners, leading to increased business opportunities and a growing network of industry contacts.
  • Ensured data integrity by meticulously reviewing financial documents, credit reports, and other supporting materials for accuracy during the application process.
  • Optimized internal processes by recommending improvements based on analysis of trends in borrower behavior or market conditions that may affect loan performance.
  • Maintained strict confidentiality of bank records and client information.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Monitored pipelines to track and log status of loans.
  • Explained very technical financial information to applicants in easy to understand language.
  • Approved loan applications based on customer creditworthiness and provided detailed financial advice.
  • Level 1 underwriting authority

Education

Accounting And Finance

Bakersfield College
Bakersfield, CA

General Education -

East Bakersfield High School
Bakersfield, CA
06.1983

Skills

  • Loan processing proficiency
  • Processing procedures
  • Strong attention to detail
  • Clear communication
  • Mortgage underwriting expertise
  • Effective time management
  • Team collaboration strengths
  • Software application proficiency
  • Documentation review
  • Financial document review
  • Regulatory compliance
  • Appraisals
  • Title review
  • Processing documents
  • Dedicated work ethic
  • Credit reports
  • Deadline management
  • Credit analysis

Certification

Typing

Timeline

Sr Loan Processor

USA Mortgage
01.2024 - 02.2025

Sr Loan Processor

Loandepot
12.2018 - 01.2024

Loan Coordinator III

Wells Fargo Bank
06.2008 - 11.2018

Accounting And Finance

Bakersfield College

General Education -

East Bakersfield High School

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Carla Johnson