Teresa Bramer

St. Petersburg

727-***-****

accir0@r.postjobfree.com

SUMMARY OF QUALIFICATIONS

Experience Mortgage Professional with over 20 years mortgage industry knowledge, including

loan processing,underwriting, closing and quality control.

Experience in processing all FHA, VA, and Conventional loans. While maintaining a high

pipeline of loans. Extensive training on DU/LP systems.

Proficient with Microsoft Windows, and experienced with MS Outlook and MS Word

Excellent communication when interfacing with, title companies, settlement agencies, and

underwriting staff.

Work Experience:

Loan Processor

5/15/2012 - 3/31/2013 - OJ Mortgage Company, Inc.

Assumed primary responsibility for loan files upon receipt including managing closing date.

Responsible for managing pipeline, evaluating loan documents, and clearing conditions per

delegated authority. Excellent training in use of DU / LP programs. Validation of AUS findings.

Ensures accurate, complete, and timely loan data captured in the processing system.

Maintained a high level of customer service by proactively communicating with borrowers, title

companies and lenders.

Jr. Home Service Specialist

7/24/10-3/30/11- Adecco, USA- Contract with Bank of America

Supported Sr. Processor with Underwriting authority in all aspects of loan process. Worked with

borrowers on a daily basis in communication of items needed for mortgage loan approval as per

AUS findings. Outlined required documents in virtual loan file for review of the Processor with

Underwriter authority for approval and closing. Coordinated third party services for loan process

and closing documentation required. Promoted from Sr. Support Specialist II to Jr. Home

Service Specialist.

Quality Control / Auditor

11/07 - 3/08 Apex Lending, Pinellas Park, FL

Performed a complete audit of all closed mortgage loans for compliance with state and

government guidelines prior to release of loan proceeds. Trained Loan Officers on loan software

and loan programs. Identified issues with the loans and corrected deficiencies found.

Administrator for FHA Connection to order case numbers for all our branches, also ordered VA

case numbers and appraisals.

Compliance Review Specialist

6/06 - 10/07 CFIC Home Mortgage, St. Petersburg, FL

Conduct Quality Control Audits on closed loan files to ensure they meet government and federal

regulations within 47 states. Prepare reports containing any loan deficiencies and/or issues that

need to be addressed by the Branch and Superiors. Work with State Auditors on routine audits.

Provide the State Auditors with the required information and prepare the files for their review.

Administrator for FHA Connection to order case numbers and updates needed for loan

approval. Review Branch applications to originate FHA loans and set up the branch office in

FHA Connection. Approve contract processors for use at the branches. Pull VA LAPP

appraisals and case numbers requested by our branches. Respond and research complaints

and MARI reports issued by Borrowers or the State as needed.

Sr. Processor / Broker Coordinator/ AUS Analyst

12/2003 - 5/2006 GMAC Bank, St. Petersburg, FL

Maintain high Broker pipeline in wholesale lending. Audit all files for compliance and accuracy

before closing. Coordinate and schedule loans for closing. Gather all required documentation

for closing.

Served as Point of Contact for Brokers to resolve issues and questions with the loan process.

Extensive training on DU and LP programs. Received AUS certification to underwrite loans for

GMAC Bank thru RMIC.

Sr. Loan Processor

6/1998 - 11/2001 American Mortgage Link, St. Petersburg, Florida

Assisted the Loan Officer with processing customer loans pre-qualification, meeting with clients

for application procedures. Processed all loans coming through our office from start to finish.

Ordered all required documentation for closing, coordinated closings with both parties, ordered

closing docs, reviewed all HUD-1 documentation for completion and correctness and attended

loan closings. Experienced user of MS Office and the Contour Loan Processing Programs.

Experienced in all government loan programs, Conv, FHA and VA.

Underwriter

2/1996 - 7/1998 Mortgage Investors, St. Petersburg, Florida

Shipping department Team Leader a liaison to investors and managing loan pools. Responsible

for investigating and resolving any issues during loan process. Promoted to the Underwriter

position for VA and FHA loan refinancing. Received DE for FHA underwriting streamline loans.

Supervised the shipping department and investor relations. Also setup files for submission to

HUD and VA for insuring .

Loan Processor

8/1994 - 2/1996 West America Mortgage, St. Petersburg, Florida

Jr. Processor responsible for assisting the Sr. Processors with file set-up, ordered

required documents, maintained customer contact and answered phones.

Promoted to Processor processed the loans for turnover to underwriting. Assisted

with In house underwriting and funding.

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