Kelsey Gobert
Havre
Summary
Seasoned Mortgage/ Consumer Specialist with comprehensive understanding of mortgage origination, underwriting, and servicing. Possess broad knowledge in loan processing, insurance, credit analysis, and regulatory compliance. Known for strong analytical skills and ability to make sound decisions based on data. Previous roles emphasized customer service excellence and successful resolution of complex financial inquiries.
Overview
7
7
years of professional experience
Work History
Mortgage/Consumer Specialist
INDEPENDENCE BANK
Havre
06.2023 - Current
- Managed property taxes, flood insurance, and hazard insurance for all real estate loans.
- Conducted annual escrow analyses to identify account shortages and overages.
- Processed payments and payoff requests accurately and efficiently.
- Oversaw homeowners insurance policies to confirm accurate information and sufficient coverage.
- Collaborated with insurance agents, attorneys, and mortgage lenders to ensure effective communication.
- Handled escalated customer calls professionally and empathetically.
- Balanced financial accounts to maintain precise record-keeping.
- Performed compliance audits and maintained comprehensive operational documentation.
Loan Processor/Loan Assistant
INDEPENDENCE BANK
Havre
09.2021 - 06.2023
- Ensured compliance through balanced closing disclosures with title company.
- Processed over 30 loan files simultaneously, maintaining high accuracy and efficiency.
- Prepared loan files from initiation to clear-to-close status.
- Requested and processed essential documents from underwriting to facilitate timely approvals.
- Cleared underwriting conditions to accelerate loan processing.
- Coordinated and attended closings, keeping all parties informed throughout.
- Reviewed buy-sell agreements and financial statements for precision and accuracy.
- Created comprehensive loan documents for seamless client transactions.
- Communicated with customers via telephone or email to obtain additional documentation required for loan processing.
- Conducted quality control reviews on closed files ensuring compliance with state and federal regulations.
- Performed detailed calculations to verify income, assets, liabilities and other data provided by applicants.
- Compiled closing packages containing all necessary documents required for funding.
- Submitted loan applications to underwriting department for review and approval process.
- Monitored progress of each loan application from start to finish ensuring timely completion.
- Prepared loan documents including promissory notes, deeds of trust, mortgage insurance policies and truth-in-lending statements.
- Collaborated with underwriters to resolve any discrepancies in applicant's financial profile or documentation issues.
- Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.
Escrow Officer
HILL COUNTY TITLE COMPANY
Havre
08.2020 - 09.2021
- Managed multiple escrow accounts, ensuring transaction accuracy and compliance.
- Conducted closings, delivering detailed document explanations for client comprehension.
- Balanced closing disclosures with financial institutions to maintain alignment.
- Performed title searches and chain of title assessments to prepare commitments.
- Coordinated logistics for closings with real estate agents and lenders.
- Processed final policies and reconveyance requests efficiently.
- Ordered essential documents from attorneys to expedite closing processes.
- Verified completeness of all information, documents, and signatures for accuracy.
- Researched liens on properties in order to accurately close escrow accounts.
- Monitored closing activities to ensure timely completion of all transactions.
- Managed multiple files simultaneously while ensuring adherence to deadlines.
- Collaborated closely with lending officers throughout the loan approval process.
- Served as an intermediary between buyers, sellers and lenders during real estate closings.
- Gathered information necessary for processing transfers including deeds, mortgages, titles and encumbrances.
- Issued checks from escrow accounts according to instructions provided by clients or lenders.
- Verified legal descriptions of properties prior to closing escrow accounts.
- Processed payments related to mortgage loans, taxes, insurance premiums and other fees associated with the sale of a property.
- Maintained accurate records of all transactions including deposits, withdrawals, disbursements and closing statements.
- Coordinated the signing of closing documents, ensuring all parties had a clear understanding of the terms.
- Conducted title searches to identify any encumbrances or issues affecting property ownership.
- Prepared and reviewed closing documents including HUD-1 Settlement Statements for accuracy and compliance.
Office Manager
ASPEN DENTAL
Spokane Valley
07.2018 - 08.2020
- Achieved monthly sales goals through strategic planning and execution.
- Supervised staff, organized schedules, and delegated tasks to enhance efficiency.
- Monitored inventory levels and placed orders to ensure optimal stock availability.
- Coordinated meetings, conferences, and travel arrangements to streamline operations.
- Tracked invoices and payments for accurate management of accounts receivable and payable.
- Organized company events, including holiday parties and team-building activities.
- Responded professionally to customer inquiries via phone and email.
- Collaborated with doctor to create patient treatment plans, presenting options for financing and scheduling.
Education
Associates of Art Degree -
Walla Walla Community College
05.2013
Bachelor of Biology -
University of Providence
Skills
- Management Skills
- Accountability
- Moldable
- Friendly, courteous, & service oriented
- Learn to grow
- Staff training & coaching
- Recruiting & hiring talent
- Goal driven
- Solid written & verbal communicator
References
- Amanda Kistler, Idaho Falls, ID, (909)327-8718
- Amanda Williamson, George, WA, (509)237-8222
- Tabitha Shotts, Spokane, WA, (509)505-7882
Affiliations
- Golf League
- Run and put on Independence Bank Golf Tournament each year
- Volunteering
- Community Activities
- Work Committees
Timeline
Mortgage/Consumer Specialist
INDEPENDENCE BANK
06.2023 - Current
Loan Processor/Loan Assistant
INDEPENDENCE BANK
09.2021 - 06.2023
Escrow Officer
HILL COUNTY TITLE COMPANY
08.2020 - 09.2021
Office Manager
ASPEN DENTAL
07.2018 - 08.2020
Associates of Art Degree -
Walla Walla Community College
Bachelor of Biology -
University of Providence