To create a positive work environment and to fulfill the tasks that are required by this opportunity. To promote encouraging new ideas and views, to listen and learn from while providing opportunities for professional enrichment and to better serve the diverse population of Oregon.
55 WPM typing speed,
Professional phone etiquette,
Excellent communication skills,
Articulate and well-spoken,
Accurate and detailed,
Employee training and development,
Excellent planner and coordinator,
Works well under pressure, 10-key,
Social media knowledge,
Accounting, Filing and data archiving.
ADDITIONAL INFORMATION State of Oregon Mortgage Bankers Association Brokers License April 30, 2005 State of Oregon Notary Public - Commission term 07/12/2013 to 07/12/2017
The Galt Foundation / Oregon Health AuthorityJanuary 2016 to November 2016Office Specialist II Salem, OR
Utilize references to verify answers and obtain further information, compile, record, and evaluate personal, medical and financial data in order to verify completeness and accuracy, and to determine eligibility status.
Initiate procedures to grant, modify, deny, or terminate benefits, services or assistance.
Interpret information such as eligibility requirements, application details, payment methods, and applicants' legal rights.
Interview benefits recipients at specified intervals to certify their eligibility for continuing benefits, keep records of assigned cases, and prepare required reports.
Guild Mortgage CompanyApril 2015 to December 2015Loan Processor II Lake Oswego, OR
Monitor the overall lending process, and identify, resolve and communicate issues that could impact timely closure of loans.
Order and review all third party documentation, including credit checks, title reports, appraisals, tax returns, verification of employment/assets, etc.
Review and verify documentation integrity to ensure it aligns with findings, completeness and compliance, and submit loan file to underwriting for approval.
Provide options within guidelines and makes recommendations if borrowers may qualify for suitable programs.
Verify compliance with Company standards, federal and agency regulations, standards, and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc.
Stay current with federal and state regulations and industry guidelines, obtain and verify clearance of all underwriting conditions and prepare the file for submission to Closing.
Order generation of loan documents, provide status updates to Loan Officers, borrowers and agents.
The Galt Foundation / DAS Real Estate ServicesAugust 2014 to January 2015Contract Specialist Salem, OR
Review and analysis of lease files to prepare lease amendments for state owned property.
Obtain signatures from said agencies, landlords and executive team.
Scan and maintain electronic documents including leases, amendments, tax reconciliation and exhibits.
File maintenance of all paper files, various duties as requested, receive and distribute all mail to various agencies within the Department of Administrative Services.
Oregon Housing and Community ServicesApril 2011 to August 2014Program Analyst 1 Salem, OR
Responsible for underwriting and review of all applications, verifying income and assets including complex analysis of income for self-employed applicants including S Corporations, Partnerships and Schedule C federal taxes.
Prepare loan documents including loan documents that need special handling due to foreclosure or short sale.
Provide support and training to co-workers regarding comprehension legal documents, Trust Deeds, Warranty Deeds, Bankruptcies, Trust Agreements, Divorce Decrees and Legal Descriptions.
Schedule funding and authorization of mortgage payments in the OHSI database Counselor Direct.
US Bank Home MortgageSeptember 2010 to April 2011Loan Processor III Salem, OR
Effectively manage pipeline of 70 to 100 loans including following completion of daily queries and compliance.
Daily verbal communication with 9 loan officers of pipeline reviews, discuss priorities and problem solving.
Ensure appropriate loan file accuracy and structure with specific attention to detail, engage in respectful and appropriate communication with customers and co-workers in a friendly manner fostering growth.
Knowledge of all federal lending guidelines, compliance regulations, Patriot Act, RESPA and client confidentiality.
Bank of AmericaJanuary 2010 to September 2010Home Service Specialist II Lake Oswego, OR
Using Level 1 SASE underwriting authority I am able to review and sign off on loan conditions.
Manage and process loan pipeline averaging 65 70 loans per month, including monitoring ECOA and Lock Expiration dates.
Utilize specialized training in Making Homes Affordable loan programs under Fannie Mae and Freddie Mac Guidelines.
Ensure all loans are documented with detailed conversation notes including phone conversations and e-mails.
Manage post-closing responsibilities including mailing Title Policies to buyers and mortgage lien holders and file storage.
Landmark Mortgage CompanyJanuary 2007 to February 2009Mortgage Loan Processor Salem, OR
Act as a liaison between the borrower, loan officer and the lender to satisfy all conditions of approval.
Order Appraisal reports and final inspections and supply lender with sign off of any repairs or new construction.
Obtain verbal and written verification of employment and verification of bank deposits and verification of mortgage.
Order Preliminary Title Reports and clear liens, judgments, taxes and correct legal vesting.
Review and approve Estimated HUD-1 Settlement Statement prior to borrower's loan signing appointment.
Mortgage WestDecember 2005 to December 2006Mortgage Loan Processor Salem, OR
Order title, hazard insurance binders, flood certification, payoffs and any additional documentation for loan applications.
Prepare packages for submission to lenders and investors, promptly clear all required lender conditions prior to closing.
Prepare GFE/TIL documents within 3 days of application for Loan Officers and within compliance deadline.
Work with escrow to resolve any title discrepancies including indemnity of paid mortgage, taxes or child support orders.
Schedule loan closing appointments with Escrow and borrower's and prepare broker closing documents.
American Gold MortgageSeptember 2000 to October 2004Mortgage Loan Processor Salem, OR
Input new loan applications for Conventional, FHA, VA and non-conforming products using Genesis software.
Have working knowledge of each lender's guidelines and all changes happening in mortgage wholesale lending.
Direct contact with borrower's to obtain information needed such as title insurance, hazard insurance and taxes, complete copy packages and submit to lenders for approval via overnight delivery.
Utilize the VA Portal to obtain VA case numbers and CAIVR's and FHA Connection to order FHA Case Numbers and refinance authorizations and validate borrower's SS#.
Royal High School1985High School DiplomaSimi Valley, California