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.
• 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.

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.

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

Associate Of Science - As, Legal Assistant/Paralegal