VICKY LYNNE PRATT

**** *** ******* **.

951-***-**** Home

Corona, CA 92882

951-***-**** Mobile

ace5qa@r.postjobfree.com

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

. A business professional with 26 years of experience in the

mortgage industry, with expertise in the areas of account

development & maintenance, customer service, loan processing and

brokering, and hiring and training loan processor personnel.

. In-depth knowledge of and extensive experience in FHA, VA, and

conventional processing, from "A+" to "D" paper.

. Excellent interpersonal skills. Effectively relates and

communicates with all levels of management. Works well

independently or as an active team member.

. Functions easily in high-pressure situations, meeting them with

tact and composure.

2 PROFESSIONAL EXPERIENCE

2013-2013 SOUTH PACIFIC FINANCIAL CORPORATION

SENIOR LOAN PROCESSOR (Retail Division)

. Reviewed and processed various types of FHA, VA, and

Conventioanl loans.

. Reviewed credit, income, and assets documentation to make sure

borrower's qualified.

. Requested additional documentation needed from all sources.

. Updated systems to reflect accurate information, and submitted

for underwriting approval.

. Audited and reviewed loans for HMDA and compliance purposes.

. Communicated and prepared and mailed out commitment letter,

notice of incompleteness or declanation letter.

2007-2014 M & S TV REPAIR SERVICE

OFFICE MANAGER

. Responsible for supervising three clerical employees and

assigned work orders to TV Technicians, ensured that work was

finished on schedule and up to regulations and standards.

. Handled accounts payable and receivable.

. Screened incoming calls as needed, resolved customer complaints,

planned meetings and events.

2007. EQUINOX CORPORATION

CLOSING AUDITOR/ SENIOR LOAN PROCESSOR (Retail Division)

. Audited and reviewed loans for HMDA and compliance purposes.

. Trained Loan Processors from start to finish and coordinated

services with outsourcing provider.

. Strategically planned and implemented moving strategy with

minimal work flow disruption.

. Reviewed incoming documentation, calculated income from

paystubs, 1040's and Profit & Loss quarterly statements to make

sure borrowers ratios were within proper guidelines.

. Coordinated needs list from loan officers and borrowers.

. Submitted loan to Underwriters for loan approvals or

declanations.

. Updated systems to reflect accurate information.

. Mailed out commitment letters, notice of incompleteness or

declanation letters to borrowers.

. Prepared file for loan docs to be requested.

. Cleared, and signed off requisite paperwork for loan closing.

2005-2006 COUNTRYWIDE HOME LOANS, INC.

SENIOR LOAN PROCESSOR (LS11) (Retail Division)

. Reviewed loan applications for completeness and acted as primary

contact between customers and loan officers.

. Ordered appraisals, flood, and title reports; followed up on

receipt of third party documentation and service.

. Reviewed incoming documentation, cleared, and signed off on

conditions for loan closing.

. Assured loans were processed in accordance with company polices

and procedures.

. Processed refinances, HELOC's, fixed seconds, and purchases

within company commitment periods and maintained a pipeline of

40 to 60 loans.

. Corrected errors on funded files completed by other employees

(Defi's) and provided proper documentation to clear the Defi's

from local branch.

. Obtained approval through CLUES (DU) and assisted underwriters

with creating conditions for REFER loans.

2001-2005 WASHINGTON MUTUAL

SENIOR LOAN PROCESSOR/COMPLIANCE / AUDITOR (Retail & Wholesale

Divisions)

. Utilized previous experience and accomplished like tasks and

responsibilities.

. Reviewed loan applications, prelims, purchase contracts,

appraisals, credit reports, income documentation and tax returns

to determine financial suitability.

. Validated loan information and calculated borrowes income and

tolerances.

. Submitted loans to underwriting department for final approvals.

. Updated MLCS software to reflect accurate information.

. Communicated, prepared and mailed out commitment letters, notice

of incompleteness or declanation letters.

. Conducted monthly Quality Assurance Checks in various

departments to insure proper procedures were in place. Reviewed

policies and procedures and conducted audits to ensure

compliance.

. Produced monthly exception reports liaised with upper

management.

2001. NORTH AMERICAN MORTGAGE, Later acquired by Washington Mutual

(SENIOR LOAN PROCESSOR (MORTGAGE SPECIALIST) (Retail Division)

. Utilized previous experience and accomplished like tasks and

responsibilities.

. Processed additional types of loans, including FHA, CHFA, San

Bernardino Bonds, VA, Conventional and California Rural Access

loans.

. Facilitated opening of loans in the MLCS computer system,

inputting verified documentation from various sources, which

included calculation of pay stubs, IRS 1040's, bank statements,

etc.

. Responsible for submissions to underwriting department, drawing

loan documents, forwarding to to the funding department with

completed conditions for closing.

. Received "Level II Underwriting" and "Signing off of

Underwriting Conditions" authority up to $2 million.

1997. PROFED MORTGAGE

SENIOR LOAN PROCESSOR (Retail Division)

. Accomplished Senior Loan Processor functions as described below.

. Supervised and assisted in the processing of loans, which

included various types of Conventional, FHA, VA, HUD PD's and

special bond programs from start to finish.

. Requested appraisals, prelims, credit reports, case number,

CAIVIRS and etc.

. Requested necessary documentation from borrower's and calculated

their income from paystubs, 1040's and Profit and Loss quarterly

statements.

. Provided guidance to loan personnel, and trained Loan Processing

support staff members on documentation processes, to increase

productivity.

. Updated system to reflect accurate information, and mailed out

necessary letters needed.

1995. EQUITY LENDING and INVESTMENTS (Retail Division)

1996. RENET FINANCIAL CORP. (Retail Division)

1991. NEWPORT PACIFIC FUNDING

SENIOR LOAN PROCESSOR (1990-1996) (Retail Division)

. Reviewed and processed various types of FHA, VA, and

Conventional loans from start to finish.

. My files were used as test cases for builder division to become

FHA approved in San Diego.

. Prepared packages for submission to underwriting, received

approval, and followed-up through funding of each loan, while

maintaining a pipeline of 70 plus loans.

. Submitted loans in-house and to various outside lenders.

. Mentored and trained several Corporate Loan Officers, Processors

and representatives from numerous franchises.

3 EDUCATION

Riverside Community College, Norco Campus, Currently attending,

2008-present;

Computer major: Word, Excel, Power Point, GPA 4.0

Rio Hondo College: 1969-1970; majored in Criminology, with

course work in Psychology.

4

5 COMPUTERS AND SOFTWARE

Microsoft/Windows, Office, Excel, Outlook, Adobe, Optis II,

Lotus 123, SSI/TMO, SSI, Contour Software, Eastern Software,

Norwest Coast to Coast computer system, CLUES, and DU and LP

underwriting software, MLCS Software and Mortgage Builder

Software, Internet and Network Literate.

6 REFERENCES

Available on request.[pic]

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