Debbie Persons Email and Phone Number

Partnered with loan officers through all phases of processing mortgage loans. Responded to customer inquiries related to new or existing loans, and processed credit reports. Achieved expert status in all loan programs offered by BB&T. Routinely passed required periodic compliance examinations issued by corporate.

Ensured loan applications and accompanying documentation were complete, accurate, and compiled with company policy and regulations. Major duties included customer file review, responding to customer inquiries, processing credit reports, loan payoff calculations,and cash disbursements. Quickly adapted to loan system conversion and mastered new software at Carolina Bank. Compiled, reviewed and made ready for closing commercial loan packages. Routinely passed required periodic compliance examinations issued by corporate.

Managed processing of individual loan applications from application to closing and also processed sale and transfer of mortgages to investors. Proactively partnered with outside parties such a customers, realtors, underwriters, and appraisers to achieve fast, efficient loan approval and closing. Compiled, reviewed and made ready for signing up to 35 mortgage loan closing packages per month. Delivered 100% of loans to investors within 24 hours. Coordinated the communication between investor, loan officer, and client. Evaluated loans for pre-approval (pre-underwriting) and prepared documents for the closing department.

Managed full spectrum of Mortgage loan application processing. Scope included application review, verification of income, employment, mortgage, assets, credit check, as well as calculation of ratios and documentation of each. Quickly adapted to loan system conversion and mastered new software. Maintained all documentation form application to closing for federal regulations.