Dedicated Mortgage professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Skills
Fair Housing Regulations
Underwriting
Quality Control Analysis
Staff Management
Closing & Post-closing Documentation
Regulatory Disclosure Preparation
FNMA and FHLMC conventional & State guidelines
FHA/VA/USDA and Grants
Knowledge of JUMBO loans and self-employed income analysis
Top Loan Processor per Funded Loans
LP / DU Knowledgeable -Most "AUS" systems (GUS)
Encompass / Microsoft Office products
Income & Asset analysis
Work History
12/2006 to 05/2021
Senior Loan ProcessorLennar – Fresno, CA,
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Handled as many as 35 closing files each month by effectively organizing, multitasking and prioritizing closing work.
Coordinated closing process with attorneys, title companies and government clerks.
Prepared documents for underwriting by verifying client income, credit reports and other information.
Consulted with outside vendors to identify and resolve loan closing issues.
Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
Prepared a variety of different written communications, reports and documents to ensure smooth operations.
Used critical thinking to break down problems, evaluate solutions and make decisions.
Delivered exceptional level of service to each customer by listening to concerns and answering questions..
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line cost
02/2014 to 12/2016
Senior Loan ProcessorLennar – Greenville, NC,
Maintained checklists of required documentation and open issues affecting closings.
Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
Reviewed financial statements and contacted institutions and customers to clarify details.
Devised processes to boost long-term business success and increase profit levels.
Implemented ticket tracking system and worked with team to create customized system for improved tracking of New Build Homes and Builders
Scheduled and conducted evaluations of company policies, procedures and internal control structures.
Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
Completed denial and cancellation procedures on applicable files.
Oversaw file input in mortgage software and grant-specific software.
Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
Communicated with originator and applicant concerning progress of loan file.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Applied grades to each loan application based on established criteria to keep institutional risk low.
Balanced risk against profitability to make optimal business decisions and guided junior team members in making similar critical decisions.
Verified integrity of applicants' information to minimize fraud.
Met 48-hour timeline consistently, turning around applications quickly with firm approval or denial decisions.
Monitored pipelines to track and log status of loans.
Administered accounts payable, conducted general ledger and bank reconciliations and prepared monthly sales and used tax returns.
Kept pace with economic, industrial and corporate developments impacting clients' financial wellbeing.
Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
Assessed aging accounts and initiated collection strategies based on conditions.
Proactively identified solutions for customers experiencing credit issues.
Trained junior team members in underwriting procedures and loan quality grading standards.
03/2006 to 05/2013
Quality Control & Conventional UnderwriterCitywide Home Loans – City, STATE,
Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Reviewed legal documents such as mortgage loans, title liens and property easements to assess relevant property factors
Followed through with borrowers, loan processors, loan originators and managed all phases of mortgage loan process.
Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
Reported repeated issues to supervisors and other departments, collaborating to identify issue roots and rectify problems.
Researched bankruptcy loan files to confirm federal guideline compliance.
Evaluated components and final products against quality standards and regulatory specifications.
Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
Kept up-to-date and accurate funding accounts for internal departments, key programs and special projects.
Managed / Trained all New Hires for operations
Monitored performance and generated reports detailing quality of product and defect rates.
Reviewed loan files and updated to match current standards.
Education
Expected in 1988
High School Diploma: South High School - South Salt Lake, UT, GPA:
Certifications
Certified FHA Manual Underwriter (NAMU-CFMU)
Certified Mortgage Quality Control Specialist (NAMU-CMQCS)
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