Kelci Walker

About the Candidate

Mortgage processor with over 7 years of extensive processing experience and in-depth knowledge of FNMA, FHLMC, FHA, and VA guidelines. Experienced in training new hires and leading a team of 10. Highly skilled in income calculation analysis and specialized document review and validations. Detail oriented professional with strong multi-tasking skills and the ability to simultaneously manage several projects and schedules.

SENIOR PROCESSOR, LOAN PARTNER – GOLD STAR MORTGAGE FINANCIAL GROUP CORPORATION NOVEMBER 2021 – SEPTEMBER 2022
Managed incoming applications to qualify borrowers with loan products custom suited to their needs and repayment ability. Managed borrower experience and set appropriate expectations from pre-approval through closing. Reviewed preliminary applications, validated and requested supporting documentation, and accurately revised loan applications accordingly. Ensured completion of all files before submission to underwriting and closing departments. Performed income calculation analysis (hourly, commissions, self-employed, etc.) and document review, including employment verifications, appraisals, lender’s title work, closing disclosures, and asset statements.
SENIOR PROCESSOR, PROCESSING MANAGER, PROJECT MANAGER, LOAN PARTNER – ENCOMPASS LENDING GROUP, L.P.
APRIL 2015 – SEPTEMBER 2021
2019 Company MVP – Deemed the company’s most productive loan processor, while also contributing to company growth by creating and refining operations training materials, consulting on new processes, and redesigning workflow for maximum efficiency. “Go-to” problem solver in the company for challenging loan applications and new loan products, such as self-employed borrowers, derogatory credit histories, down payment assistance programs, etc. Prepared closing disclosures and coordinated smooth closings between attorney partners, title companies, real estate agents, and borrowers. Managed borrower expectations and communicated clearly regarding loan condition requests, status updates, challenges and setbacks, and next steps. Analyzed, validated, and obtained borrower documentation, and prepared complete loan files for underwriting submissions.