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Consumer Direct Processor Resume Example

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Jessica
Claire
resumesample@example.com
(555) 432-1000,
, , 100 Montgomery St. 10th Floor
:
Professional Summary

Efficient and accurate loan processor with 2+ years of experience. Proficient at processing loans from origination through funding, to include prior to conditional approval. Skilled at obtaining and evaluating supporting documents gathered internally, from client, or a 3rd party vendor. Consistently communicating status updates with company, vendors, and clients has become second nature.

Skills
  • Worked with Empower, Encompass, Salesforce, and H20.
  • 6 years of supporting document review.
  • Experience with DU, DO and LP/LPA systems.
  • Experience in self employed, retired and full doc products.
  • Knowledge of mortgage loan processing, compliance, investor products and underwriting guidelines.
  • Familiar with FHA, VA, Conventional and unconventional including IRRRL and Streamline.
Education
Devry University Phoenix, AZ, Expected in 03/2024 Bachelor of Science : Computer Information Systems Program - GPA :
Defense Cyber Investigations Training Academy Linthicum Heights, MD Expected in 10/2012 Computer Forensics Course : Introduction To Network Computers And Hardware - GPA :
Defense Cyber Investigations Training Academy Linthicum Heights, MD Expected in 10/2012 Computer Forensics : Computer Incident Responders Course - GPA :
Work History
Apex Systems - Executive Account Manager/Loan Processor II
El Paso, TX, 09/2021 - 05/2022
  • Manages multi-state loan pipeline utilizing Encompass; coordinates pipeline management with Loan officer.
  • Manages 60 + sized of conventional rate/term or Cash out.
  • Review loan from origination to submit to underwriting for conditional approval
  • Process loans from conditional approval through funding.
  • Conducts daily review and follow-up with customers and vendors regarding outstanding items; gather necessary documentation as needed.
  • Welcome Calls made within 1 day of receipt of loan, as well as reviewed and submitted to underwriting for conditional approval.
  • Communicates to key stakeholders, including Branch Manager, Loan Officer, and customers on status at a maximum of every 3 days.
  • Manages key dates, for example, lock expiration, contingency date, contract date, credit doc expiration, ECOA, MDIA and other compliance related dates.
  • Performs data entry to update all internal computer systems and loan files with notes regarding all actions that affect the loan in accordance with company requirements.
  • Reviews closing disclosure for accuracy and provides to closing agent.
  • Reviews title reports, payoffs, appraisals, income documents, hazard insurance, and all supporting conditions for required standard compliance prior to underwriter submission.
  • Provides customer and closing agent necessary requirements and coordinates scheduling for completion of loan closing.
LoanDepot - Consumer Direct Processor
City, STATE, 10/2020 - 06/2021
  • Manages multi-state loan pipeline; coordinates pipeline management with Loan Consultant.
  • Manages 60 + sized pipeline
  • Works FHA Streamline and full doc products
  • Works VA IRRRL and full doc products
  • Works Conventional and Non-conventional products
  • Conducts daily review and follow-up with customers and vendors regarding outstanding items; gather necessary documentation as needed.
  • Escalates any fraud files to Risk Management Leadership Team.
  • Communicates to key stakeholders, including Branch Manager, Loan Consultants, and customers on status.
  • Manages key dates, for example, lock expiration, contingency date, contract date, credit doc expiration, ECOA, MDIA and other compliance related dates.
  • Performs data entry to update all internal computer systems and loan files with notes regarding all actions that affect the loan in accordance with company requirements.
  • Reviews closing disclosure for accuracy and provides to closing agent.
  • Reviews title reports, payoffs, appraisals, income documents, hazard insurance, and all supporting conditions for required standard compliance prior to underwriter submission.
  • Provides customer and closing agent necessary requirements and coordinates scheduling for completion of loan closing.
  • Attends regular pipeline meetings and system training updates
JFQ Lending - Production Analyst
City, STATE, 07/2019 - 10/2020
  • Monitors pipeline to meet daily departmental service level agreements.
  • Reviews borrower documentation, 1003 and credit for initial credit decision.
  • Ensures documentation is indexed correctly prior to hand-off. Communicates with Senior Mortgage Banker and Sales Manager on level defects (incomplete submission and / or loan does not qualify under submitted program) through various checklists. Calculates / reconciles income and assets against program guidelines / AUS cert.
  • Escalates to Senior Analyst for files that don't qualify to determine additional avenues for the file prior to restructuring. Reruns AUS with updated and confirmed information to ensure still qualifying. Assigns and STUW/STS/STP's file to processing.
  • Reviewed a minimum of 40 loans per day which resulted in loans being sent to processing.
LoanDepot - Junior Processor/Submission Specialist
City, STATE, 10/2018 - 06/2019
  • Manage a pipeline of a minimum of 44 loans ordering services such as Home Owners Insurance, Home Owners Association documents, credit supplements, mortgage only credit report, FHA case numbers, title, and packaging initial documents and submitting to the appropriate lender.
  • Home owners Insurance additional tasks are to retrieve paid in full statement or an invoice, examine documents and ensure they were not within 60 days of renewal.
  • Credit supplements and mortgage only reports would have to be pulled and verified that all needed borrowers credit was taken into account depending on the loan type.
  • Title would be requested than received and reviewed to ensure there was no liens or subordination that were not originally disclosed.
  • Submission packets where built from submitted documents from the borrower, adding in credit supplement, a submission cover page and reviewing the packet against the loan type to ensure the appropriate documents were added.
Company Name - Production Analyst/Junior Account Manager
City, State, 10/2016 - 10/2018
  • Monitors pipeline to meet daily departmental service level agreements.
  • Reviews borrower documentation, 1003 and credit for initial credit decision. Ensures documentation is indexed correctly prior to handoff.
  • Communicates with Senior Mortgage Banker and Sales Manager on level defects (incomplete submission and / or loan does not qualify under submitted program) through various checklists. Calculates / reconciles income and assets against program guidelines / AUS cert. Escalates to Senior Analyst for files that don't qualify to determine additional avenues for the file prior to restructuring. Reruns AUS with updated and confirmed information to ensure still qualifying. Assigns and STUW/STS/STP's file to processing. Created and completed loan submission package. Maintained complete confidentiality of all submitted information according to release guidelines.
  • Gathered required information from customers for settlement reviews and followed up on management determined results. Directed specific questions to appropriate branch personnel. One of three Production Analysts chosen from the department to be cross trained for Junior Account Management.
  • Served as a Junior Account Manage to the Senior Account Managers. Primary duties included ordering vendor services and following up orders to ensure they were received in a timely manner. Orders were placed over the phone and via email with the needed party. All tasks were worked in a paperless system and was uploaded to the necessary program and labeled correctly. Provided day to day support as needed by ordering any time sensitive documents such as 3rd party verifications, insurance changes, verifications of employment and loan document preparation and/or validation. Ordered invoices and or payment summary when needed. Interacted with external parties such as credit, employers, and insurance companies to help fulfill the loan.

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Resume Overview

School Attended
  • Devry University
  • Defense Cyber Investigations Training Academy
  • Defense Cyber Investigations Training Academy
Job Titles Held:
  • Executive Account Manager/Loan Processor II
  • Consumer Direct Processor
  • Production Analyst
  • Junior Processor/Submission Specialist
  • Production Analyst/Junior Account Manager
Degrees
  • Bachelor of Science
  • Computer Forensics Course
  • Computer Forensics