Heidi L. Morlan

Organized and detail–oriented individual with a very strong work ethic and over 15 years of Mortgage experience.

Experienced Mortgage

Processor with a strong background in reviewing loan applications, verifying financial documents, reviewing title reports, reviewing appraisals, analyzing credit reports and identifying required information for underwriters. Proven ability to manage multiple files efficiently while meeting deadlines and maintaining 100% accuracy. Experienced in maintaining business, government and investor guidelines.

Seeking to contribute my expertise to a fast-paced lending team. I took a planned career break to serve as a full-time caregiver for my elderly parents. During this time I managed detailed records, coordinated medical appointments, handled sensitive financial and medical information, and maintained strict organization of schedules and documentation.

These responsibilities strengthened my attention to detail, time management, and the ability to handle confidential information – skills directly applicable to mortgage processing. In preparation for returning to work I have completed an extensive Certified Ambassador Loan Processor course (NAMP – CALP) through Campus Mortgage (the training division of the National Association of Mortgage Processors). In completion of this course I will obtain a certification of completion by completing a Proctored exam.

I have added a list of the courses I have taken for your review. I am excited and ready to return to the workforce and contribute effectively in a fast-paced lending environment.

Home Equity Mortgage Processor - Wells Fargo Bank, N.A. - Des Moines, IA

(2004-01 - 2019-12)

• Processed Home Equity applications ensuring accuracy of information
• Performed welcome calls and maintained clear communication with borrower(s) throughout the loan process to closing
• Identified the 4 C's for underwriting and notated the results for all loans
• Maintained and reviewed all documentation stipulated for underwriter review
• Calculated Debt to Income (DTI), Combined Loan to Value (CLTV), Loan to Value (LTV), Principal Interest Taxes and Insurance (PITI), Residual Income, Credit Utilization Ratio, Cash Reserves, and all types of income
• Experienced with DU and LP
• Worked and monitored a pipeline of 30 + loans, resulting in a 95% closing rate

Bankruptcy Specialist - Wells Fargo Bank, N.A. - Des Moines, IA

(2004-01 - 2019-12)

• Communicated Bankruptcy status between Lenders and Bankruptcy attorneys
• Reviewed Bankruptcy documentation to ensure accuracy

Legal Remedies Team Lead - Wells Fargo Bank, N.A. - Des Moines, IA

(2004-01 - 2019-12)

• Provided Quality Assurance checks, performed Side by Side training and coaching
• Developed a paperless environment saving the department $155,582.46 based on 2009 goals

Business Training Consultant for the Home Equity Division - Wells Fargo Bank, N.A. - Des Moines, IA

(2004-01 - 2019-12)

• Worked on a daily basis with Origination Attorneys to develop policies and procedures
• Worked with Risk Representatives on projects including Title Policy and Appraisal reviews
• Worked with the Wells Fargo Governance Committee to develop policies and procedures for selling Home Equity loans on the secondary market
• Developed and delivered several training presentations; including manuals and hands on activities to Boarding Service and Processing team members

Home Equity Auditor - Wells Fargo Bank, N.A. - Des Moines, IA

(2004-01 - 2019-12)

• Audited document files, disbursed funds and boarded applications
• Exceeded quality standards - above 95% of accuracy and production over 100%

Associates Degree - Liberal Arts - Kalamazoo Valley Community College (1997)

Certification - Certified Ambassador Loan Processor (NAMP – CALP) - Campus Mortgage (2024 - 2026)