Professional Summary
Senior Loan Processor with comprehensive experience managing residential mortgage pipelines across conventional, FHA, VA, and jumbo loan programs in fast-paced lending environments.
Demonstrated track record of packaging compliant files, maintaining strict regulatory adherence, resolving complex title and underwriting conditions, and ensuring predictable closing timelines.
Professional Experience
Hill Country Heritage Mortgage
Austin, TX
Senior Loan Processor
Mar 2019 – Present
- Manage an active pipeline of 45 to 60 conventional, FHA, and VA loan files monthly from initial application submission to clear-to-close.
- Perform detailed reviews of income documentation, assets, tax transcripts, and credit reports to identify and address underwriting contingencies promptly.
- Collaborate daily with loan officers, underwriters, title companies, and borrowers to resolve title defects, appraisal conditions, and verification delays.
- Maintain an average file processing turnaround time of 18 days while sustaining a 99% initial underwriter approval rate.
Barton Creek Financial Group
Austin, TX
Lead Mortgage Loan Processor
Jun 2014 – Feb 2019
- Processed purchase and refinance mortgage files in compliance with TRID, RESPA, QM, and Fannie Mae/Freddie Mac guidelines.
- Reviewed closing disclosures, initial loan estimates, and fee sheets to prevent disclosure tolerance violations and timing discrepancies.
- Mentored four junior processors on Encompass software navigation, complex self-employed income calculation, and condition clearance protocols.
- Coordinated with closing agents and insurance providers to verify escrow requirements and title commitments prior to closing package delivery.
Lone Star Capital Home Lending
Austin, TX
Residential Loan Processor
Jan 2011 – May 2014
- Gathered and verified employment records, bank statements, and appraisal reports for high-volume residential mortgage applications.
- Submitted complete loan submissions into automated underwriting systems including Desktop Underwriter (DU) and Loan Product Advisor (LPA).
- Addressed underwriter stipulations promptly to secure loan commitments within established lock periods.
Education
Texas State University
Bachelor of Business Administration · Finance · San Marcos, TX · Aug 1997 – May 2001
Coursework focused on real estate finance, financial accounting, risk analysis, and federal banking regulations.
Projects
Loan Origination System Workflow Optimization
Mar 2023 – Nov 2023
- Led the migration of loan documentation workflows into an updated Encompass configuration, eliminating redundant manual checklist steps across 12 processing desks.
- Authored a step-by-step internal reference guide for processing multi-family conventional and jumbo loans, reducing condition re-submission cycles by 15%.
Core Competencies
Conventional & Government Mortgages (FHA/VA/USDA)
Encompass LOS
Desktop Underwriter (DU) & Loan Product Advisor (LPA)
TRID & RESPA Regulatory Compliance
Income Calculation (W-2 & Self-Employed)
Title Commitment & Appraisal Review
Underwriting Condition Clearing
Pipeline Management
Closing Disclosure Reconciliation
Credit & Asset Verification
Languages
English
C2
Spanish
B1
Certifications
Certified Master Loan Processor (CMLP)
National Association of Mortgage Processors · Apr 2018
Residential Underwriting Specialist Certificate
Mortgage Bankers Association · Sep 2014
Community Involvement
Austin Neighborhood Housing Alliance
Austin, TX · Apr 2021 – Oct 2025
- Financial Literacy Workshop Facilitator
- Assisted first-time prospective buyers with financial readiness checks, basic credit report understanding, and document organization for loan pre-approval.