Kristin Nicole Miller
Tustin,CA
Summary
Loan processing professional with proven track record of streamlining loan approval processes and ensuring regulatory compliance. With over 25 years of experience in the mortgage industry, I specializing in helping clients navigate the complexities of home financing and securing the best loan options for their needs. Also I am known for strong team collaboration and achieving results in fast-paced environments. Expertise in documentation, customer service, and adaptability to changing needs.
Overview
28
28
years of professional experience
Work History
Senior Loan Processor
ClearPath Lending
01.2016 - Current
- Processed VA, FHA, ARM and Conventional mortgage loan products
- Processed purchases and manufactured homes transactions
- Maintained a pipeline of 50+ loans closing out an average of 50-70 loans monthly
- Examined and translated FNMA and FHLMC approval certificates
- Gathered conditions from clients for pre-underwriting, prior to doc and funding
- Mitigated issues, including clouds on titles, loan resells and creative loans restructuring for compliance with lender guidelines
- Supported other employees in problem solving
- Coordinated closing with borrower(s) and escrow to meet rate locks
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
Modification Processor/Underwriter
Infinity Legal Group
02.2013 - 01.2016
- HAMP and In-House Modification Programs
- Ability to underwrite the file creatively to fit HAMP, In-House, and other Modification guidelines
- Appeal denials successfully-Remove Sale Dates from files-Communicate with borrowers in a manner which shows sensitivity, tact, and professionalism
- Contact each borrower in a timely manner to introduce myself and go over the process and items needed for loan file
- Maintained a pipeline of 150 files or more
- In-depth understanding of tax returns, mortgage statements, etc
- Understand both CA and Federal rules regulations, policies and/or procedures and investor guidelines
- Current knowledge about the industry, laws, etc
Senior Loan Processor
Ditech.com
08.1997 - 01.2004
- Managed a pipeline of up to 80 loans
- Recognized for high achievements in top performance
- Evaluated existing procedures and implemented new processes for examining and translating FNMA and FHLMC approval certificates resulting +75% submission-to-fund ratio
- Interpreted FNMA/FHLMC automated approvals and gathered conditions from applicants
- Authorized to sign before final underwriting approval
- Maintained excellent account relationships, building client trust and diligent follow-up with customers
- Managed loan reselling and developed methods to structure loans in compliance with company guidelines
Education
Skills
- Self-motivated and task driven
- Ability to prioritize with focus on deadlines
- Outstanding communication skills
- Sharp and innovative
- Highly detail oriented and organized
- Strong attention to detail
- Point-LP/DU/CLOUT/CLUES-MOL-Ditech Apps-Doc Magic-Loan Post
- Level II Underwriting Signing Authority
- Microsoft User Certified
- Teamwork and collaboration
- Regulatory compliance
Timeline
Senior Loan Processor
ClearPath Lending
01.2016 - Current
Modification Processor/Underwriter
Infinity Legal Group
02.2013 - 01.2016
Senior Loan Processor
Ditech.com
08.1997 - 01.2004
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