Results-focused leader eager to offer progressive Mortgage Lending, Client Relationship Management, Business / Administrative Support, and Regulatory Compliance experience toward maximizing your success.

 

 

Fannie Mae • Freddie Mac • HUD-1 • VA • Conventional • FHA • AHFA • 1^st / 2^nd Mortgages

Mortgage Loan Origination • Mortgage Loan Processing • Mortgage Loan Document Preparation • Mortgage Loan Closing

Mortgage Loan Funding • Regulatory Compliance • Contract Negotiations • Customer Service • Client Counseling • Office Administration

 

         Top performer who compiles and analyzes data to optimize bottom-line results in coordination with client goals and financial requirements, including streamlining lending processes to increase efficiency within high-volume environments.

         Integral leader who uses strong prospecting and presentation skills to acquire, retain, and expand new / existing client relationships, along with meeting with clients to ascertain key lending needs and provide credit counseling as required.

         Out-of-the-box thinker who offers core knowledge of financial services, mortgage lending, and diverse industry trends.

         Excellent communicator who builds relationships with bank executives, outside agencies, lending peers, and clients.

 

 

Loan Document Specialist III

 

         Utilized broad scope of industry knowledge toward creating and reviewing 250+ monthly loan files to ensure quality specifications and required checklists were completed, including issuing commitment or AIRL letters as necessary; gathering and requesting data from customer, HMC, and HMA; and ordering credit reports and financial documentation.

         Conducted quality assurance of initial documents to ensure loan application integrity by validating data within LIS to match hard copy documentation within files, along with reviewing files to determine rerunning of Decision Engine.

         Submitted loan files to underwriter for final approval and subsequent submission to funding documentation.

         Ensured seamless financial business processes by liaising daily among internal / external HMAs and HMCs.

         Performed full loan processing of Fannie Mae and Freddie Mac Harp Loans.

 

Mortgage Loan Officer

 

         Met and / or exceeded personal and company goals by aggressively promoting loan programs (e.g. FHA, VA, conventional, AHFA), along with accurately ascertaining customer financial needs and advising regarding key products.

         Expertly performed a variety of duties, including compiling documents for loan closings; interviewing applicants; filing and maintaining records; preparing and typing applications, closing documents, legal documents, and letters; submitting loan applications with recommendation for underwriting approval; and scheduling and attending mortgage closings.

 

Licensed Loan Originator

 

         Originated and processed conforming / non-conforming residential mortgages while applying strong communication talents toward educating clients on home buying and mortgage financing processes and interviewing loan applicants.

         Requested appraisals, credit reports, and appropriate credit documentation to evaluate loan pre-approval / approval.

         Led targeted negotiations with applicants according to federal guidelines (e.g. fees, repayment options, interest rates).

         Demonstrated solid interpersonal relations abilities toward providing credit counseling to clients requiring assistance.

 

 

Senior Closer

 

         Strategically steered preparation of closing documents for 1^st and 2^nd mortgages, VA, and FHA loans, including ensuring quality and accuracy of closing fees and proper closing conditions to effectively uphold high-quality customer service.

         Verified loan closing with settlement agents and attorneys by reviewing HUD-1 settlement statements, along with interfacing among title companies, attorneys, and loan processors to guarantee compliance with internal policies / procedures.

         Maximized revenue by clearing brand deficiencies, handling post-closing issues, and sending funds disbursement wires.

 

Loan Coordinator II C III / Closing

 

         Drove business growth via knowledge of bank automated systems for loan set-up, credit approval, and documentation preparation to verify accuracy of data input / output in compliance with bank policy and secondary market requirements.

         Prepared pre-closing documents, reviewed files for documentation and signatures for loan funding, and disbursed funds.

         Developed valuable relationships with outside agencies (e.g. title, insurance) to achieve mutually beneficial results.

         Provided signing authority to set and / or clear loan conditions.

 

Loan Processor

 

         Built and sustained profitable home equity lending by analyzing and reviewing comprehensive loan documents, including preparing all documents for signing, maintaining quality control of documents for full loan processing, and clearing set conditions as necessary prior to disbursement of funds which was instrumental in successfully funding 50 units monthly.

         Obtained and reviewed titles, HUD-1, appraisals, and / or insurance as necessary to accurately complete loan processing.

 

Branch Support / Broker Liaison

 

         Supported branch and broker operations by sending initial mortgage disclosures, pre-screening / auditing incoming brokered loans per company policy, preparing loan documents, overseeing branch pipeline reports, and maintaining rate locks.

 

 

Certificate of Accounting

Regional Occupation Program

 

Extensive Business Coursework

Heald Business College / Diablo Valley College

 

 

Microsoft Office (Word, Excel, PowerPoint, Outlook) • PACS • Loan Works

Mozart Decision Engine • Genisys • LIS Operating Systems • Calyx Point

Quick Qualifier • DU / LP • Empower • Internet Applications

Ten-Key by Touch • Types 45 WPM