I am seeking a stable position while obtaining a career advancement with a nationally recognized and well
established company that will challenge me using the latest tool and technologies available. I am a quick
learner, detailed, organized self starter. My career goal is to excel in the business industry.
With management, banking, mortgage, customer service, and leasing experience, I have emphasized the ability to handle personal confidential information, time management, the ability to interact with various levels of management, and interact with various internal and external departments and agencies. My experience also includes over 7 years property leasing experience, 18 years mortgage residential lending (MLS Knowledge), knowledge of Fair Housing Laws and TRID Certification.
October 2014 to October 2018 Microsoft Office Suites
10key by touch 9500 key strokes
Scanning, emailing, internet usage
Typing 40-45 wpm
Loan ProcessorSep 2015 to Jun 2016 Signature Mortgage － Katy, TX
Responsibilities: • Perform initial review of potential borrowers by thoroughly examining their applications • Provide administrative support to sales associates and loan associates • Assess the credit standings of applicants through background research • Interview applicants to evaluate their eligibility for loan • Conclude on all applicable financial and non-financial criteria • Follow up with clients to clarify important points • Give the “green light” to eligible candidates and report decisions with sound arguments • Finalize loan contracts and keep clients informed in rules and obligations • Remain up to speed regarding lending and other financial services • Create and renew records • Identify customer needs, explore all options and suggest different types of loans • Cultivate trustworthy referral networks • Build on trust relationships and enhance customer dedication • Work within established regulations and adhere to law requirements at all times
Senior Loan Analyst/ Escrow Administration SpecialistJul 2014 to May 2015 Selene Finance － Houston, TX
Responsibilities: •Review Security Instruments, Notes, Riders and Modifications •Performs individual escrow analysis as requested by other departments •Monitors payments of PMI/MIP to ensure timely and accurate payments •Processes manual tax payments and tape disbursements when needed •Processed correspondence from customers •Researched inquiries from customers regarding mortgage account •Performs loan level audit with tax and insurance vendors and resolves discrepancies •Processes tax and insurance refunds •Monitors delinquent taxes to ensure proper handling •Monitors taxes and insurance disbursements on foreclosed and REO properties •Monitors Tax and Insurance open items to ensure timely payment Skills Used: knowledge of mortgage documents, training on loan servicing, Customer service respond to clients inquiries
Contract Loan ProcessorJun 2014 to Oct 2015 Intergrity Loan Processing － San Antonio, TX
Responsibilities: •Run AUS and review findings for submission criteria •Order credit reports, appraisals, title insurance, flood certificates •Be proactive in checking documentation for accuracy and potential problems •Prepare loan package for submission to lender •Analyze lender underwriting conditions and notify agent of items requirements •Communicate with appropriate party to satisfy lender conditions, ordering VOD, VOE, etc. as necessary •Review closing loan documents •Review and satisfy lender funding, post-funding, closing, and post-closing conditions •Occasional light office duties Skills Used: Ability to review AU findings, review, and satisfy lender conditions
Manager/AdministratorAug 2013 to Jun 2014 ARC Inc － Houston, TXResponsibilities: •Meeting with perspective borrowers to obtain loan applications, explain application process, fees involved, and different programs available, etc, • responsible for the performance or management of administrative business operations •Analyzing perspective borrowers' financial status (income and debt) by obtaining required paperwork needed for loan submission and to notify borrower of credit report/appraisals ordered to determine feasibility of making a mortgage loan •Handling Escalated Complaints •Monitored occupancy and availability of units and managed walking through units to ensure they are ready and in order •Conducted resident surveys and facilitated prospective residents with taking a tour around •Provide support to over 15 Employees •Payroll •Inventory •Annual Training •Submitting completed applications and confer with underwriters to aid in resolving mortgage application concerns •Advising borrowers of underwriting decisions, work with the borrower and underwriter ensuring all underwriting conditions are met •Working with both the processor and borrower, if loan is denied, about reconstructing loan under a different program Skills Used: Knowledge of Respa Guidelines, Loan Processing Training
Loan Condition SpecialistApr 2012 to Aug 2013 Interbank Wholesale － Lincolnshire , ILResponsibilities: •Reviewed Accuracy of loan documents •Provide administrative support to sales associates and loan associates •Condition Clearing for Underwriting •Prepared documents for file review by Underwriter •DU applications and analyze DU findings •Customer Service •Insurance Verifications
Education and Training
AA, Business Management2018Houston Community College － Houston, TXBusiness Management
Origination Finance2017Champions School Of Real Estate － San Antonio, TX, United States
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