Natalie Kern

Experienced Loan Processor with 9+ years of expertise in mortgage lending, pipeline management, underwriting support, and loan closing coordination. Skilled in FHA, VA, Conventional, USDA, DSCR, Bank Statement, and refinance loans. Strong background in compliance, income calculation, fraud review, and managing high-volume loan pipelines in remote environments.

Senior Loan Processor at Beeline Loans Inc. (2024-08 – 2026-05)

• Preformed upfront underwriting by calculating income and analyzing Desktop Underwriter and Fraud Reports.
• Obtained Title Commitments, verification of employments, homeowner Insurance documentation.
• Reviewed and verified loan documents for accuracy and completeness prior to closing
• Managed pipeline up to 35 loans while averaging 20 loan closings per month.
• Specializing in FHA, Conventional, DSCR, Bank Statement, Home Equity and refinance Loans.
• Worked with lenders such as Deephaven, American Heritage Lending, Acra Lending, Logan Finance, Everstream, Oaktree Funding Corporation, Angel Oak, United Wholesale Mortgage, The Lender, and Rocket Mortgage.
• Ensure compliance with company policies, underwriting guidelines and lending requirements.

Case Manager/Processor at Strategic Tax Planning (2023-02 – 2024-02)

• Assisted clients through the process of filing and receiving tax credits.
• Collected and reviewed client documents such as 941's, gross wages, gross revenue reports and business tax returns.
• Verified the accuracy and completeness of case documents for CPA review.
• Managed a pipeline of 50-60 active client cases.

Loan Processor at Southern Trust Mortgage (2020-08 – 2023-01)

• Preformed upfront underwriting, income calculations, and Fraud Reports analysis.
• Obtained title commitments, verification of employment, and insurance documentation.
• Reviewed loan documents for completeness and closing readiness.
• Managed pipeline of up to 75 loans while averaging 40-50 closings monthly.
• Specializing in FHA, VA, Conventional, VHDA, USDA, FHLB, FL Housing, 203k and Construction to Permanent Loans and refinance Loans.
• Maintained compliance with underwriting guidelines and lending requirements.

Loan Processor at Freedom Mortgage (2019-10 – 2020-07)

• Calculated income and reviewed Desktop Underwriter and Fraud Reports.
• Reviewed and approved closing disclosures while coordinating closings.
• Obtained title Commitments, verification of employment and insurance documentation.
• Review and verify accuracy and completeness of all loan documents for closing.
• Managed pipeline of up to 50 loans with 35-40 monthly closings.
• Specialized in FHA, VA, Conventional, 203k and Construction to Permanent Loans and Refinance Loans.

Loan Processor at Movement Mortgage (2016-08 – 2019-10)

• Obtained title Commitments, verification of employments, and insurance documentation.
• Reviewed and verified accuracy loan files for closing.
• Managed pipeline up to 30 loans while averaging 20 closings per month.
• Specializing in FHA, VA, Conventional, 203k and construction-to- permanent, and Refinance Loans.