Priya Tan
42 Clementi Avenue 3, Singapore 129810
+65 9847 2156 | priya.tan@email.com
linkedin.com/in/priaytan

PROFESSIONAL SUMMARY

Detail-oriented Senior Mortgage Loan Processor with over 12 years of comprehensive experience in residential and commercial mortgage loan processing, underwriting support, and regulatory compliance. Proven track record of managing high-volume loan pipelines while maintaining accuracy and adherence to federal and state lending regulations. Expert in coordinating with underwriters, loan officers, title companies, and borrowers to ensure seamless loan closings. Skilled in processing conventional, FHA, VA, and USDA government loans with exceptional attention to detail and commitment to customer satisfaction.

PROFESSIONAL EXPERIENCE

Sr. Mortgage Loan Processor
Pinnacle Mortgage Solutions, Austin, Texas
March 2019 – Present

• Process an average of 35-40 mortgage loan applications monthly from initial submission through closing, maintaining a 98% on-time closing rate and exceeding departmental benchmarks
• Review and verify loan documentation including income verification, tax documentation, credit reports, appraisals, and title insurance to ensure compliance with investor guidelines and federal regulations
• Coordinate with underwriters to resolve conditions and discrepancies, reducing average loan processing time by 18% through proactive communication and thorough file preparation
• Conduct comprehensive compliance reviews to ensure adherence to RESPA, TILA, ECOA, and other applicable lending regulations, resulting in zero audit findings over the past three years
• Mentor and train junior processors on loan origination systems, underwriting guidelines, and best practices for government loans including FHA, VA, and USDA programs
• Manage relationships with third-party vendors including appraisers, title companies, and credit agencies to expedite loan processing workflows
• Implement quality control procedures that reduced file defects by 25% and improved first-time approval rates

Mortgage Loan Processor
Heritage Financial Group, Dallas, Texas
June 2015 – February 2019

• Processed 25-30 conventional and government-backed mortgage loans monthly, ensuring accurate preparation of loan documents and compliance with underwriting standards
• Reviewed credit reports, employment verification, asset documentation, and real estate appraisals to validate borrower eligibility and loan-to-value ratios
• Collaborated with loan officers and underwriters to clear conditions efficiently, maintaining an average processing timeline of 21 days from application to clear-to-close
• Prepared closing disclosure documents and coordinated with settlement agents to facilitate smooth loan closings
• Maintained detailed loan files and documentation in compliance with investor requirements and regulatory standards
• Assisted in loss mitigation efforts by processing loan modification requests and coordinating with borrowers facing financial hardship

Junior Loan Processor
Cornerstone Lending Partners, Houston, Texas
August 2012 – May 2015

• Supported senior processors by ordering appraisals, title reports, and verifications of employment and deposit
• Reviewed initial loan applications for completeness and accuracy, identifying missing documentation and requesting additional information from borrowers
• Entered loan data into loan origination systems and maintained organized digital and physical loan files
• Communicated with borrowers, real estate agents, and other stakeholders to provide status updates and gather required documentation
• Assisted with quality control audits and ensured compliance with company policies and regulatory requirements

EDUCATION

Bachelor of Science in Finance
National University of Singapore, Singapore
Graduated: May 2012

CERTIFICATIONS & TRAINING

• Certified Mortgage Processor (CMP)
• FHA/VA Loan Processing Certification
• RESPA/TILA Compliance Training
• Encompass Loan Origination System – Advanced User

TECHNICAL SKILLS

Loan Origination Systems: Encompass, Calyx Point, Byte Software
Mortgage Underwriting Guidelines: Fannie Mae, Freddie Mac, FHA, VA, USDA
Compliance & Regulations: RESPA, TILA, ECOA, HMDA, Dodd-Frank
Document Management: Laser Pro, eFolder, DocMagic

CORE COMPETENCIES

• Mortgage Loan Processing & Origination
• Underwriting Support & Analysis
• Government Loans (FHA, VA, USDA)
• Regulatory Compliance & Quality Control
• Loan Documentation & Verification
• Credit Analysis & Evaluation
• Real Estate Appraisal Review
• Title Insurance Coordination
• Tax Documentation Review
• Loss Mitigation & Loan Modifications
• Mortgage Servicing Knowledge
• Customer Service & Relationship Management

PROFESSIONAL AFFILIATIONS

• Member, Mortgage Bankers Association (MBA)
• Member, National Association of Mortgage Processors (NAMP)