Lori Valerio
Aurora
Summary
Mortgage professional with a strong track record in loan processing and customer service. Expertise in enhancing productivity through effective document reviews and compliance with closing standards, ensuring timely approvals. Proven ability to manage high volumes of loans while maintaining accuracy and client satisfaction.
Overview
11
11
years of professional experience
Work History
Loan Closer
Merchants Mortgage & Trust Company
Greenwood Village
09.2024 - 05.2026
- Reviewed entity documents, including operating agreements and minutes for LLCs and corporations.
- Verified titles, insurance, and flood zone certifications to meet closing standards for properties.
- Prepared loan closing documents to facilitate timely transactions.
- Reviewed settlement statements to ensure accuracy of closing costs and related fees.
- Ensured correctness of signatures on loan documents after receipt from title company.
- Executed wire transfers following completion of closing procedures.
- Conducted thorough reviews of operating agreements and by-laws for compliance.
- Managed documentation processes to streamline loan closings efficiently.
Sr. Mortgage Loan Processor
Canvas Credit Union
Lone Tree
10.2019 - 02.2024
- Collaborated with team members to meet monthly targets, contributing to the overall success of the department.
- Increased productivity by implementing time-saving strategies such as standardized checklists and document templates.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Exceeded customer satisfaction ratings by providing timely updates on loan statuses and addressing concerns promptly.
- Managed a large pipeline of loans, prioritizing tasks to ensure deadlines were met consistently.
- Maintained a high level of accuracy in data entry, ensuring all loan applications were processed without errors.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Communicated with originator and applicant concerning progress of loan file.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
Loan Assistant
North Valley Bank
Thornton
04.2019 - 10.2019
- Prepare files for closing. Insure insurance, title were correct with mortgagee name, address, loan number.
- Review note, deed of trust, assignment of rents and all other closing documents after borrower's signed all closing documents to insure accuracy.
- Make construction loan payments, draw requests, internal appraisal valuations.
- Prepare minutes for loan committee for board members, loan officers and managers. Meet once a week to approve loans.
- Answer any questions borrowers may have on their business loan.
Mortgage Loan Processor
CMG Financial
Englewood
09.2017 - 10.2018
- Managed a high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
- Processed Conventional, FHA, VA, USDA and CHFA.
- Expedited closing processes, coordinating effectively with attorneys, real estate agents, and borrowers.
- Reviewed credit reports, bank statements, tax returns, W2 and paystubs.
- Handled any conditions sent from underwriting departments.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Communicated with originator and applicant concerning progress of loan file.
- Order third party verifications: VVOE, WVOE, Title, Insurance and Credit Supplements.
- Strengthened relationships with clients, following up after loan closure to ensure satisfaction and address any further needs.
Mortgage Loan Processor
Academy Bank
Englewood
04.2015 - 08.2017
- Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
- Optimized workflow management by prioritizing high-priority tasks and meeting strict deadlines consistently.
- Enhanced client satisfaction by providing timely updates on their mortgage loan status and addressing concerns promptly.
- Processed Conventional, FHA, VA, New Construction.
- Reviewed credit reports, paystubs, W2 and bank statement for accuracy.
- Ensured data integrity, meticulously entering loan information into database and updating records as necessary.
- Ordered 3rd party verifications. VVOE, WVOE, Title, Insurance, Credit Supplements.
Skills
- Document review and data collection
- Loan processing and closing
- Teamwork and collaboration
- Customer service excellence
- Problem-solving and critical thinking
- Time management and multitasking
- Attention to detail and reliability
- Effective communication skills
- Organizational skills and organization
- Active listening and customer communication
Volunteer Experience
- Assisted with special events and programs.
- Supported engaging, fun, and smooth-running events by helping with organization and planning.
- Used strong interpersonal communication skills to convey information to others.
- Represented organization positively and professionally while providing community with much-needed services.
- Enhanced community engagement by organizing and leading local clean-up events.
- Coordinated food drives for improved local food bank stock levels.
Timeline
Loan Closer
Merchants Mortgage & Trust Company
09.2024 - 05.2026
Sr. Mortgage Loan Processor
Canvas Credit Union
10.2019 - 02.2024
Loan Assistant
North Valley Bank
04.2019 - 10.2019
Mortgage Loan Processor
CMG Financial
09.2017 - 10.2018
Mortgage Loan Processor
Academy Bank
04.2015 - 08.2017