Penny Davis
@pennydavis
Experienced mortgage loan processor and collections manager with 20+ years in financial services.
United StatesWhat I'm looking for
I am a seasoned mortgage loan processor and collections professional with over 20 years of management and administrative experience, including 15 years in collections and 10 years in mortgage lending. I specialize in mortgage loan compliance with Fannie Mae and Freddie Mac guidelines and have hands-on experience with RESPA, REG B, HMDA, FHA, VA and conventional products.
I pre-underwrite mortgage loan applications across product types, review and verify borrower financials, analyze income sources including self-employed and rental income, and interpret credit reports. I also train and mentor junior processors and serve as a resource for underwriting and compliance matters.
My background includes branch account management, payroll and onboarding, database and quality-control work, and proficiency with LOS systems and workforce/payroll tools. I prioritize accuracy, regulatory compliance, and excellent customer service to support both borrowers and internal stakeholders.
Experience
Work history, roles, and key accomplishments
Mortgage Loan Processor
Busey Bank
Feb 2016 - Present (10 years)
Pre-underwrite and process mortgage loan applications (Conventional, FHA, VA, USDA), ensuring compliance with Fannie Mae/Freddie Mac and federal regulations; analyzed borrower financials and trained junior processors to improve file quality and throughput.
Branch Account Manager
Citi / OneMain Financial
Sep 2010 - Feb 2016 (5 years 5 months)
Managed branch accounts including loan origination and collections, processed returned payments, handled CML account management and initiated legal actions when necessary to reduce delinquency and recover funds.
Office Manager
Curves
May 2010 - Sep 2010 (4 months)
Recruited, hired and trained staff, managed payroll and member records, coordinated marketing and inventory control, and managed accounts receivable and bank deposits to support club operations.
Assistant Office Manager
Forsythe Appraisals, LLC
Jan 2008 - Oct 2009 (1 year 9 months)
Managed appraisal orders and scheduling, produced and quality-reviewed appraisal reports in ACI, created floor plans in Apex, and delivered reports electronically while supporting client acquisition.
Executive Assistant
Catalyst Technology
Aug 2007 - Jan 2008 (5 months)
Coordinated application testing schedules, issued service tickets, assisted in screen design and programmer recruitment, and supported VP of IT with travel and executive communications.
Database Specialist
Dot Foods
Jan 2007 - Aug 2007 (7 months)
Maintained supplier database and records in AS400, produced supplier and shortage reports for 1100+ suppliers, supported marketing managers and processed payroll data through WorkForce.
Education
Degrees, certifications, and relevant coursework
Spoon River College
Associate Degree, Computer Science
Completed an Associate Degree in Computer Science with recognition on the President's Academic Honors List and National Dean's List.
Winchester High School
High School Diploma, General Studies
Graduated with a High School Diploma from Winchester High School.
Tech stack
Software and tools used professionally
Availability
Location
United StatesAuthorized to work in
Job categories
Skills
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