Sharon Marie Elzie

***** **** *** * ********, WA 98387 * acpnzf@r.postjobfree.com

253-***-****

Summary: I would like an opportunity to incorporate my eight years

combined skills and interest as a Mortgage Processor, with advancement

potential, as an employee with your company.

Summary of Qualifications

As a mortgage processor I am the liaison to all aspect of the home loan

process. I meet and greet clients, answer or seek the answer to all types

of client questions and concerns. Coordinate with all parties involved in

the transaction. Solve any and all problems that arise. This gives the

loan officer more time to spend on money making projects.

Track a variety of deadlines, such as compliance, interest rate locks and

closing dates.

Communicate effectively with buyers, realtors, builders, engineers, home

inspectors, appraisers, title and escrow to ensure that any and all work

orders are completed and invoices or paid prior to closing.

Ensure the loan closes in compliance with state and government regulations.

Developed the ability to work in a fast-paced atmosphere

Ability to follow instructions well and make decisions with no supervision

Excellent listening, oral and written skills, reliable, hardworking, I am a

self-starter and a team player

Technical Skills: Experienced in various software packages associated with

the mortgage industry.

Typing (70+ wpm) PC Lender In-House

Mortgage Integra

Advanced in Microsoft Office XDocs/Blitz Doc

Encompass 360

Advanced in Editing Advanced in Word Perfect

Calyx Point

Professional Experience

Senior Processor

Nov 2012 - Dec 2014 Westar Pacific Mortgage

Spanaway, WA

- Review all loan files immediately upon receipt.

- Verify Desktop Underwriter (DU) accuracy, file set-up and order out,

and status of all outstanding conditions.

- Verify that the loan fits the requirements of Weststar loan programs.

- Communicate review to originating Loan Officer and to Management as

required.

- Secure title, credit reports, appraisals and flood reports as

required. Review immediately upon receipt to ensure that they meet all

Weststar and regulatory requirements.

- Communicate receipt of documents and review to the originating Loan

Officer. Work to clarify and/or correct all problems or errors. Order

all subsequent updates and/or final reports as required.

- Ensure that the Loan Officer secures all required documentation or

information necessary from our customers. Review all documents

received from Loan Officer and/or customer to ensure that they meet

Weststar requirements.

- Update DU and/or Underwriting as required during the processing of the

loan as new information is secured or as information changes.

Communicate any changes in DU requirements resulting from any update

to the originating Loan Officer.

- Assist the Loan Officers in monitoring of lock expirations and lock

management. Communicate as necessary to ensure no locks inadvertently

expire.

- Provide a written file review weekly to each assigned Loan Officer.

Include information regarding current status, outstanding conditions

and anticipated closing date of each loan in process. Maintain

excellent communication between customers, Loan Officers, Funders, and

all other parties involved in each loan transaction.

- Provide a superior level of customer service to all parties.

Senior Processor

Jul 2012 - Nov 2012

Gateway Funding Diversified Mortgage Services, LP

Spanaway, WA

- Confirms loan application is complete

- Evaluates AUS findings and prepare Preliminary Loan Disposition

requesting required income documentation

- Set up files and ordered title, appraisal, fraud guard, social

security verification, tax transcripts, verification of employment,

rents and deposits when required; Order FHA & VA Case numbers,

CAIVRS, credit reports, flood certifications and Flood Insurance,

MERS, insurance binder, income work sheets, mortgage insurance and any

other items needed to close the file

- Submit loans to appropriate automated underwriting system

- Review Loan Disposition prepared by the Underwriter. Confirms the

loan conditions have been properly coded

- Reviews Conditions, completes a file review with the Originator to

confirms terms of loan

Processor

Oct 2010 - Jun 2012

Sound Mortgage, Inc.

Spanaway, WA

As a processor with Sound Mortgage I was responsible for collecting the

documentation needed to close on a home loan from start to finish. Some of

these items are listed below.

- Set up files and order title, appraisal, Fraud Guard, Social Security

Verifications, etc...

- Verify employment, deposits, assets and rent

- Order mortgage pay offs

- Ensure calculation of income is correct

- Order tax transcripts, MERS, Case numbers, credit, flood certificate

Loan Processor

Feb 2007 - May 2010

Loan Network, LLC

Spanaway, WA

Loan Network is the premier real estate mortgage company that provides our

clients and neighbors with innovative mortgage solutions for their home

loan needs. With over 2500 Loan Originators they provide a wide variety of

products: FHA, VA, Conforming, USDA and Portfolio Loans.

- Verify, compile and types application information for mortgage loans

- Ensure application meets establishment standards, including type and

amount of mortgage, borrower assets, liabilities, and length of

employment

- Recommend that loans not meeting standards be denied

- Calls or writes credit bureau and employer to verify accuracy of

information

- Obtains property abstract survey, and appraisal

- Work with title to clear discrepancies in title or surveys

- Submit complete files for approval

- Records data on status of loans, including number of new applications

and loans approved, cancelled or denied

Loan Originator

Nov 1999 - Feb 2007

Loan Network, LLC

Spanaway, WA

Independently research and assesses financial analysis based on credit to

match borrowers to appropriate loan programs.

- Meet with applicants to obtain information for loan application and

answer questions about the process

- Analyze applicants' financial status, credit and property evaluations

to determine feasibility on granting loan

- Explain the different types of loans and credit options available to

the applicant buyers

- Obtain and compile copies of applicant credit and financial history

- Compute payment schedules

- Abreast of new types of loans and other financial services and

products in order to better meet customers' needs

- Handle customer complaints and take appropriate action to resolve them

- Work with clients to identify there financial goals and to find ways

of reaching those goals

- Confer with underwriters to aid in resolving mortgage applications

problems

- Negotiate payment arrangements with clients who have delinquent loans

- Analyze potential loan markets and develop referral networks in order

to locate prospects for loans

- Interview, hire and train new employees

Education and Training - United States Air Force - Information Management -

1983 through 1994

Contact this candidate