Constance Johnson Email & Phone Number

Pensacola, Florida, United States

• Review mortgage loan applications to ensure the borrower’s financial qualifications are within established guidelines and the loan request conforms to loan program requirements to provide the clear to close for VA, Conventional, and Navy Federal products. • Analyze the overall credit profile and risk to determine the acceptability and marketability of the real property to ensure there is sufficient collateral to secure the loan.• Review Conventional and VA appraisals/LNOV’s to ensure the accuracy and compliance with industry standards, internal policies, and regulatory requirements.• Verify that approval conditions for credit and collateral, have been satisfied and are accurate for the specific loan terms.• Review loan documentation; identify critical compliance issues and errors/omissions in loan processing and documentation; effectively communicate issues to processing teams and other parties.• Ensure all mortgage applications are in accordance with applicable Federal and State laws, compliance regulations, NCUA requirements, secondary marketing requirements, and bank policies and procedures. • Oversee the accurate and expedited processing of mortgage loans that required special handling. • Resolve more complex problems related to mortgage loan processing and closing.• Ensure loan pricing is accurate based on specific parameters for various loan products. • Maintain current knowledge of all Navy Federal and government mortgage products. Comply with any changes to Navy Federal, investor, and/or VA guidelines.

Pensacola, Florida, United States

• Processed Conventional and VA first mortgage purchase and refinance loan applications from application to closing. • Responsible for reviewing and accepting income and asset loan conditions. • Collected required documentation from applicants and follow up on missing items.• Mentored and assisted new processors with resolving issues, answering questions, and helping them develop consistent processing techniques.• Established, maintained, and updated files, databases, records, and/or other documents for recurring internal reports.• Ordered credit reports, title reports, insurance documents, and employment verifications.• Assisted members by providing timely and periodic updates of the status of their loan application.• Ensured that all loan files were complete and in compliance with regulatory agencies and internal policies.• Provided detailed information on available Navy Federal mortgage loan products, clarify questions/concerns and resolve problems regarding the loan.• Determined applicable loan conditions and documentation requirements.• Prepared loan disclosures required by Federal/state laws (e.g., Good Faith Estimate, Truth-In-Lending).• Examined preliminary title work, identifying possible liens, judgments, and/or title exceptions.• Reviewed termite, well, septic, and final appraisal inspections for potential issues, completeness, and accuracy.• Verified hazard, wind/hail, and flood insurance policies met guidelines for adequate property insurance coverage.• Processed loan pricing changes in accordance with loan program requirements.• Coordinated final loan application changes, revisions and corrections with other mortgage staff, closing agents, and settlement attorneys to ensure accurate and efficient processing of mortgage loans. • Prepared and submitted final applications for submission to the Underwriting staff, private mortgage insurance companies, and the Department of Veteran Affairs.

Bachelor Of Applied Science - Basc, Business Administration And Management, General

Associate Of Science - As, Legal Assistant/Paralegal