Sarah Torres

**** ***** ****** **

Albuquerque NM 87111

505-***-****

acatk8@r.postjobfree.com

Objective: Strive to gain more knowledge for advancement throughout my career

Qualifications: A dedicated professional who is energized and enjoys working with teams of people and is committed to excellence. I am

able to simplify the complicated and get to the root of the matter.

20+ years in Real Estate Industry between Mortgage Business and Escrow Bu siness

Accomplish tasks/goals in an organized, efficient manner with an attitude of pride, sensitivity and

Self-discipline

EMPLOYMENT HISTORY

THE EMAC GROUP

National Mortgage Recruiter – Remote

June 2013 to Present

Recruit for National Mortgage Companies

Qualify, Source and screen candidates to build pipeline (networking, cold-calling, job boards, etc.,)

Manage candidates through hiring process

Document all recruitment activity

Post open positions to internal and external sources

Evaluate and prioritize tasks

Effectively utilizes strong communication, interpersonal, consultative and negotiation skills

DIGITAL UNDERWRITER.COM

National Mortgage Recruiter

Vice President

December 2012 to Present

National Mortgage Recruiter

Performing mortgage services on large projects as need ed; Duties range depending on project and include:

Contract Underwriting

Processing

Due diligence reviews

Forensic audits

HARP Reviews

Modifications

UNIVERSAL LENDING CORPORATION

Loan Processor – Remote

August 2012 to February 2013

Process Mortgage Loans for FHA, Conventional, VA

Work from Home Office

Prepare file for submission

Obtain all necessary documentation for file submission

Communicate with all parties during loan process

Review HUD for approval

Knowledge of lending programs and guidelines

DU and LP

Organized and excellent customer service

WELLS FARGO HOME MORTGAGE

Home Mortgage Consultant

October 2011 to July 2012

Originate Home Loans

FHA/VA/Conventional/USDA

Marketing

Sales

Compliance

Management

ALLIANCE CREDIT SOLUTIONS

Certified Credit Consultant

February 2010 to September 2011

Credit Restoration

Certified Credit Consultant

Certified Credit Scoring Specialist

Discuss improvement of overall credit profile

Management

Bookkeeping

Sales

SUPERIOR MORTGAGE SERVICES, LLC

Loan Processor

September 2009 to January 31, 2010

FHA/VA/CONVENTIONAL/MFA

Review residential loan application file to verify that application data is complete and meets establishment standards,

including type and amount of mortgage, borrower assets, liabilities, and length of employment.

Recommend that loans not meeting standards be denied.

Call or write credit bureau and employer to verify accuracy of information.

Communicate with all parties to the transaction on status updates: realtors, borrowers, sellers. Maintaining a high

level of customer service

Gather documentation to complete loan application package

Call specified companies to obtain survey, preliminary title report, appraisal etc.,

Preliminary title report to verify property title meets criteria. Works with Escrow Company and borrowers to clear

any title issues.

Prepares and packages mortgage loan application file for underwriting approval.

Prepare and mail approval and denial letters to applicants.

Work with borrowers and realtors to clear all underwriting conditions.

Prepare and delivers closing documents to escrow for settlement.

Record data on status of loans, including number of new applications and loan approved, canceled or denied.

Track and maintains a pipeline with delivery dates and follow up tasks.

Inputs information into automated underwriting systems and decipher/follow findings of lo an approval.

Review and make certain loan applications comply with all regulations required for the specific loan product.

Re-disclose loan application per regulations if terms of loan change.

Prepare Case binder for FHA/VA

HMDA Reports

Prepare files for MFA Approval

Other related duties as assigned

VERITAS MORTGAGE

Loan Processor/Loan Originator

February 2006 to August 2009

Work with existing and new customers to obtain a Residential Mortgage and work with them through out the

Mortgage process and keep every one informed and up to date with the process of the file

Cultivate new mortgage business through referral partners, Real Estate Agents and repeat business

Process loan files to ensure each file met the deadlines of the purchase contract and re finances in a timely manner

SEE EMPLOYMENT DESCRIPTION ABOVE

January 1990 to December 2006

I was in the Escrow Industry beginning as a secretary and working my way up to Branch Manager

Please inquire for further details.

REFERENCES UPON REQUEST

CERTIFICATIONS

Certified Credit Consultant

Bankruptcy Credit Counseling Certificate – National Association of Certified Credit Counselors

Certified Credit Scoring Specialist

Contact this candidate