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Data Entry Loan

Location:
Costa Mesa, CA
Posted:
June 26, 2015

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Resume:

Francisco B. Mateo III

Phone: 714-***-**** **2 Peace Place

Cell : 714-***-**** Costa Mesa, CA. 92626

Email: acqf6g@r.postjobfree.com

OBJECTIVE: To obtain a position within an organization with increasing responsibility and an opportunity for

advancement.

SKILLS: Loan Processing, data entry, types 45 WPM, Microsoft Word, Excel, Access, Outlook, Internet, Lotus Notes, PeopleSoft, Citrix System, Destiny, Discco, Empower, Audit 32, Loan Tracker, AppXtender, Loan Tracking System, I DASL, Loan Production Systems, Quality Control, Group Wise, Image One, KEAVT (CUS & GUS Production), Countrywide (Clues & CLOUT), Flagstar (Bravura), Fannie Mae DU and Freddie Mac LP, Investor Guidelines, Aurora, CalPERS, Chase, Chevy Chase, CITI Mtg., Countrywide, Credit Suisse, Deutsch Bank, EMC, Flagstar Bank, GMAC, Greenpoint, HSBC, IndyMac, InterFirst, Irwin, Morgan Stanley, Provident Bank, Suntrust, WAMU, Wells Fargo, Bear & Stearn (EMC Negative Amortization) MTA Option Arm programs (Regular & Hybrid), & 1st Nationwide.

QUALIFICATION: Highly detail oriented with excellent organizational skills. Ability to anticipate and prioritize a variety of . duties. Enjoys working in a fast pace environment.

WORK EXPERIENCE:

Praetorian -Woodland Hills, CA. Out of business 09/11/06 – 05/15/15

Development & Acquisitions

Systems Analyst III

-Reviewed, analyzed, and modified programming systems including encoding, testing, debugging and installing to support company’s application systems

-Consulted with users to identify current operating procedures and clarified programming objectives, sometimes expected to write documentation to describe program development, logic coding and corrections

-Written manuals for users to describe installation and operating procedures.

First Magnus Financial - Laguna Hills, CA. Laid off 08/08/05 – 09/08/06

Sr. Underwriter

-Performed A paper, Alt-A paper (MTA Option Arm Products) manual underwrite, & other Niche Products underwriting of wholesale

-Performed a variety of complicated task

-Initiate mortgage loans in compliance with company policies and procedures as well as agencies and investor guidelines with little or no supervisions

-Corresponded with branch/ broker and others to receive and relay information pertaining to pending loan applications, loan terms and other details

-Handled confidential information with discretion.

SFG Mtg. – Irvine, CA. Out of business 11/10/03 – 08/05/05

Sr. Underwriter

-Residential & Wholesale Conventional, A paper, Alt – A, Subprime, & Niche Products

-Reviewed mortgage loan submissions and issued Conditional Loan Approval by automated or manual underwriting in compliance with investor and bank guidelines

-Verified all types of documentations and performed necessary calculations (such as debt-to-income ratio and disposal income)

-Responsible for reviewing and clearing approval conditions as required

-Remained current on investor and bank requirements and ensure compliance therewith

-Performed appraisal reviews

-Performed all data entry functions related to underwriting (Point & Data Trac)

-If loan is unacceptable as structured, made alternative structuring recommendations

-Worked with other team members to ensure efficient document flow

-Ensured compliance to federal, state, bank, and investor regulations/ requirements

-Prepared reports to management as required

-Maintained underwriter quality standards, provided feedback to operations manager.

Radian Group, Inc. – Irvine, CA. Resigned 08/05/02 – 11/07/03

Underwriter

-Wholesale, Conventional, 1st & 2nd TD, Investments, & A paper

-Responsible for evaluating mortgage insurance and contract underwriting loan files for compliance to Radian, FNMA, FHLMC and/ or lender’s guidelines for fraud and “red flag” issues

-Responsibilities include re-underwriting loans; preparing analytical reports and recommendations regarding audit results

-Proposed guidelines on risk issues and exceptions and performing datatrieves and researching databases.

Impac Lending Group – Newport Beach, CA. (TTI Staffing) Contract expired 01/07/02 – 08/02/02

Junior Underwriter

-Wholesale, Conventional, 1st & 2nd TD, Investments, & A paper

-Facilitated the handling of loan files from the pre-approval status through loan pre-purchase review (eligibility)

-Signed off on all underwriting conditions that meet established program guidelines & company policy & procedures

-Evaluated & approved underwriting conditions as directed by management

-Interacted effectively with sellers, management, regional VP’s & peers

-Analyzed appraisals, credit reports, calculate underwriting ratios, & income documentation

-Procured all items necessary to fully process loan (e.g. appraisal, prelim reports, escrow instructions, items from borrower etc.)

-Performed financial analysis on individual self-employed and business as well as FHLMC/ FNMA guidelines.

Fullerton Community Bank – Fullerton, CA, Laid off 03/06/00 – 01/04/02

Sr. Loan Processor

-Retail, Conventional, FHA, VA, 1st & 2nd TD, A thru D paper

-Responsible for the accurate analysis and processing of mortgage loan requests from application to credit decision

-Developed and analyzed all types of credit information pertaining to diversified types of mortgage loans, prepares processing (credit) reports for an underwriter

-Complied file upon receipt of application and submits to an Underwriter for prequalification review

-Created and provided borrowers with all required initial disclosures and documentation within regulatory time limit requirements

-Initiated all documentation (e.g. 1008 form, 1003 form, etc.) and procures all items necessary to fully process loan (e.g. appraisal, prelim reports, escrow instructions, and items from borrower etc.)

-Performed financial analysis on individual self-employed, and business as well as FHLMC/ FNMA guidelines

-Verified that all loan documentation is complete and meets internal Bank standards as well as FHLMC/ FNMA guidelines

-Reviewed all incoming mail pertaining to files in process

-Initiated appropriate documentation for files if withdrawn

-Completed HMDA information necessary for reporting purposes

-Performed any and all other duties requested by management

-Interfaced very heavily with an Underwriter and Loan Representatives

-Interfaced with Escrow and title Officers and maintains continuous contact with prospective borrowers.

Ditech Funding – Costa Mesa, CA. Laid off 10/10/98 – 03/03/00

Sr. Loan Processor

-Wholesale, Conventional, 1st & 2nd TD, & A thru D paper

-Data entry and customer contact regarding financial analysis of loan applications

-Sent compliance docs to applicants, research price and fee info for services & reports

-Draw documents, order escrow instructions, preliminary report, and appraisal reports

-HUD estimate to lock rates for 10 days funding time.

First Plus Bank – Tustin, CA. Resigned 06/09/97 – 10/02/98

Sr. Loan Processor

-125% Loan Processing

-Processed loan applications, reviewed flood certs and title reports

-Involved in processing appraisals

-Determined debt to income ratios and loan to value calculation, drew loan documents.

Production Mortgage, Inc. – Anaheim, CA. Resigned 11/14/94 – 06/06/97

Loan Processor

-Wholesale, Conventional FHA, VA, 1st & 2nd TD, & A thru D paper

-Prepared & assembled all legal documents for audit and processing

-Verified loan applications, checked credit reports, approvals and insurance disbursements.

-Assisted Loan Officers to analyze procedures and guidelines on every borrower.

Bank of America Loan Center – Cypress, CA. Laid off 09/10/90 – 11/04/94

Loan Documents Auditor

-Retail, Conventional, FHA, VA, 1st & 2nd TD, & Subprime, & A thru D paper

-Audited loan files to verify origination, type of loan and Incentive Loan Program given to ensure accuracy and authenticity of documents, title insurance policies and settlement statements

-Audited the note, DOT and assignment of trust

-Verified category of incentive program and analyzed result of given incentive program

-Compared original to typewritten loan applications and verified signatures on all loan docs

-Audited tax disbursements, appraisal reports, disclosure stmt to determine percentages, underwriter’s loan analysis, and the type of insurance subscribed to

-Initiated processes to correct deficiencies noted, data entry, phone coverage and filing.

Support Lead, Collections

-Assisted the Foreclosure Review Committee in the foreclosure approval process

-Requested foreclosure documents from Records Management

-Monitored Notice of Intent to Foreclosure letters

-Reviewed the foreclosure files for accuracy

-Requested Notice of Intent to Foreclose letters on multiple borrowers when needed

-Maintained a consistent attendance record

-Assisted in training and coaching of other associates in the Collections Department.

EDUCATION: Auto Shop & Drafting, Pacifica High School

Architecture & Drafting, Los Angeles City College

Business Administration, Mt. San Antonio College



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