An organized, proficient, and detail-oriented professional with more than 10 years of combined experience, in the mortgage industry. I’m seeking a position with a prestige financial/mortgage institution who’ll maximize all my great attributes & skill-sets.
Highlights
Possess exceptional analytical skills, communication abilities (both oral and written) services
Achievement-focused professional with exceptional leadership skills
Detail-oriented with ability to manage multiple projects simultaneously
Customer-focused problem solver, who effectively handles difficult situations
Build relationships that lead to improved communication and productivity
Performs upfront underwriting for all loans and submit to underwriting for conditional approval.
Review loan application file to verify that application data is complete and meets required standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment and marital status.
Utilize Encompass to manage & analyze loan pipelines
Verify and compile accurate information to be submitted to the underwriting department.
Review supporting documentation for completeness and consistency with the information indicated on the loan application. Input missing or modified information into the company’s loan origination system. Communicate discrepancies with information and documentation requirements with loan officer.
Identify due dates to ensure loan is complete and ready for closing.
Call for and review sales contracts as well as any required addendums, if applicable. Call specified companies to request and obtain title, insurance and verifications needed for approval.
Update fees and prepares loan for Initial CD issuance within required TRID timeframes.
Order and obtain appraisal, fraud reports, flood zone certifications in a timely manner.
Submit approved mortgage loan file to the Mortgage Loan Closer for settlement.
Customer Advocate (Loan Processor), 10/2019 to 09/2020 Customers Bank – Hamilton, NJ,
Gather information and take each file from underwriting decision to closing and obtain borrower documentation once underwriting decision has been issued.
Responsible for keeping borrower informed from the time loan is decision through closing. Set and maintain proper expectation to all parties on the file (including internal customers, e.g., loan officers, sales managers).
Input proper loan information into the system for processing and ensuring that all loan documentation is accurate and verified and complies with company policy.
Verify loan documents including income, assets, credit, appraisal and title insurance; in addition to, verifying application for final submission to underwriting.
Review file documentation and make sure all items needed are requested. Order and coordinate loan documents and communicate with borrowers, fellow employees and clients in a manner that shows sensitivity, tact and professionalism.
Responsible for using independent judgment/decision-making to look at ways to improve the origination process through information received from our customers and managing anticipated closing date.
Post Closing Specialist, 01/2019 to 07/2019 Customers Bank – Malvern, PA,
Packaging, uploading and/or transmitting of reviewed and completed closing packages on or before the delivery expiration date targeted in the loan origination system.
Researching all issues to determine validity of the issue and to determine the correct course for resolution. This includes addressing and/or clearing all issues in a timely manner. Pursuing missing documentation and cure for fatal exceptions by utilizing other departments within the company, third parties and borrowers.
Inputting and maintaining information within the loan origination system from the initial notification of the suspended loan and until loan is funded.
Manage various Warehouse Lenders Exception Reporting by accessing various Warehouse Data reports to clear all fatal collateral exceptions. Keep a high level of communication with all parties involved.
Mortgage Loan Processor, 05/2017 to 10/2018 Customers Bank – Providence, RI,
Performs upfront underwriting for all loans (FNMA/FHLMC, FHA, VA & HARP loans).
Serves as liaison for loan officers, applicants, mortgage underwriters and others, ensuring communications remain open and loan processing times are as quick as possible.
Consolidating information from banks, appraisal/title companies and related organizations to prepare loan documents for Underwriter review.
Maintains a pipeline of 30 to 35 files and/or three to five loan originators.
Order/Request updated declarations page from insurance companies, both hazard & flood, ensuring sufficient coverage, flood zone and correct mortgagee clause.
Managing client relations and ensuring compliance with regulations and agencies. Order FHA and VA case numbers on government sites.
Clears any approval or suspense conditions as outlined by the underwriter.
Reviewed appraisals for accuracy, repairs and values. Proficient knowledge of RESPA, TILA, TRID, ECOA and HDMA regulations.
Mortgage Loan Processor, 04/2016 to 05/2017 Ditech Financial, LLC – City, STATE,
Facilitated all aspects of loan processing(FNMA/FHLMC, FHA, VA & HARP) from application receipt to underwriting and closing in accordance with company guidelines, policies and procedures.
Performed in-depth analysis of files for submission to underwriting and closing departments ensuring the required documentation is received and complete.
Maintained system data including status and loan events (receipt of stipulations, dates and memos) with anticipation of closing each loan within 30 days.
Ordered and reviewed all required 3rd party reports. Verify all documents and conditions have been met, obtain final approval sign off by underwriting, and confirm scheduled closing date.
Resolved all loan level file issues to assist in funding the loan.
Mortgage Loan Processor, 08/2012 to 11/2015 Company Name – City, State,
Reported directly to multiple loan officers, handling various loan application verifications processes.
Requested updated declarations page from insurance companies, both hazard & flood, ensuring sufficient coverage, flood zone and correct mortgagee clause. All premiums due within 60 days of closing was added to the HUD.
Ensured all delinquent taxes were added to hud prior to closing and tax premiums due within 30-60 days was also added to the hud. Request updated flood certification if current certification on file was inaccurate.
Reviewed flood policies for sufficient coverage including replacement cost and flood zone.Ordered Mortgage Insurance certificates.
Knowledge of marketing programs and underwriting guidelines according to the secondary market sources private investors and all home equity products.
Education
: , Expected in Temple University - Philadelphia, PA GPA:
Skills: Encompass, Lakewood, EDMS, Byte, Doc Velocity, FNMA/FHLMC, FHA, VA & USDA loans, DU/LP & Microsoft Office.
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