High performing mortgage industry professional with 5 years of loan processing experienced. My main focus is to close loans in a timely manner while keeping the borrower's informed every step of the way.
Summary of Skills
Detail oriented with excellent
organizational and communication skills
Ability to coordinate multiple projects and meet deadlines under
Work well both as part of a team or independently with little or no
Ability to interact with diverse
Knowledge of Conforming and Nonconforming loans
Ability to manually calculate Debt-to-Income and Loan-to-Value ratios
Familiar with FHA and HUD guidelines
Substantial knowledge of all mortgage documents
Well versed in submitting loan through automated underwriting programs
Skilled in analyzing and evaluating Title reports, appraisals, etc
evaluating Title reports, appraisals, etc
Ability to manage a pipeline of 40 or more loans closing 25 or more per
Strong customer service skills with the ability to retrieved signed
documents from customers in a timely manner
Ability to maintain confidentiality
Substantial knowledge of Federal and
State Regulation, Truth in lending act, Equal Credit Opportunity act
and Home Mortgage Disclosure act
During my time at Bank of America and S3 Shared Service Solutions I had a great reputation with Underwriters and Closers for sending in clean files with all conditions met in a timely manner all while satisfying the customer with great customer service.
Loan Processor September 2015 to CurrentS3 Shared Service Solutions － Linthicum, MD
Responsibilities Review 1003 and DU/LP for accuracy
Order Appraisals, Titles and Flood Certificates Review Appraisals to insure it is as is and correct comps have been used
Order Tax Transcripts and subordination agreement (if applicable)
Reviewed Titles to insures there were no outstanding liens
Updated homeowner's insurance for refinances
Verified employment within 10 days of closing
Cleared all Underwriting conditions
Reviewed credit reports
Submitted loans to underwriter for approval
Sent final documents to closer.
Home Service Specialist December 2011 to September 2015Bank of America － Hunt Valley, MD
Processed mortgage loans with some underwriting skills Ordered and Reviewed Titles, Appraisals and Flood Certificates Ordered Tax Transcripts and subordination agreements (if applicable) Updated Homeowner's insurance and verified employment within 10 days of closing Cleared all Underwriting conditions Reviewed credit reports.
Account Manager August 2008 to December 2011Bank of America － Hunt Valley, MD
Assist customers with managing their deposit accounts and credit cards.
Assist customer with managing online banking and bill pay.
Worked with business and consumer credit card.
Assisted with hardship programs for consumer and small business credit cards.
Diploma : 1999Northern High School － Baltimore, MD
I'm a very detail oriented person with
excellent organizational and communication skills. I have the ability
to coordinate multiple projects and
meet deadlines under pressure and I work well both as part of a team or
independently with no supervision. I'm
used to working with and interacting with diverse populations and I'm
very familiar with FHA and HUD guidelines.
I have substantial knowledge of all mortgage documents and
well versed in submitting loans through
automated underwriting programs like DU/LP with the ability to manage a
pipeline of 40 or more loans closing 30
per month. Strong customer service skills with the ability to retrieve
signed documents from borrowers in a