Laura Zubiate Phone: 801-***-****

**** ****** ****** #*** ~ San Diego, California 92101 acu745@r.postjobfree.com

QUALIFICATIONS

Results-driven and well-organized Senior Loan Processor with the reputation of a goal-oriented visionary and effective communicator. Respond to operational and financial challenges with confidence, determination, and focus. Ability to handle multiple tasks and maintain confidentiality. Proficient in meeting deadlines and work in a team environment. Excellent knowledge of Mortgage Loan operations, underwriting guidelines, policies, and procedures in multiple departments. Core competencies include:

Regulatory Compliance Problem Resolution Customer Relations

Staff Training & Development Planning & Coordinating Strategic Planning

Credit Reviews & Approvals Contract Negotiations Billing/Collections

Cross Functional Team Building Documentation Office Management

Skills: Microsoft Office Suite, Excel, Outlook, Empower, Blitz, ACSS, Vision West, Lotus, Notes,

Data Entry, Select CE, E3, Director, New Image, PowerPoint, Byte, & Lending Portal

PROFESSIONAL EXPERIENCE

UNION BANK, San Diego, CA 2015-Present

Senior Loan Processor

Responsible for verifying, compiling, and encapsulating application information for FHA and Conventional loans; both conforming and non-conforming for California and Washington; Jumbo Loans

Chosen to be part of a small specialty government team assigned to bring VA loans to the bank

IFREEDOM DIRECT, San Diego, CA 2014-2015

Loan Processor

Accountable for validating, gathering, and summarizing submitted information for home loans

Assist the Loan Officers regarding mortgage loans and follow-up with clients to collect all documents necessary to close loan

Exceptional knowledge of VA and FHA Loans – for all 50 States

Outstanding ability to clarify and understand IRS forms, schedules, and ability to determine acceptable cash flow

Comprehend title commitments and can resolve associated problems

Work with Title Companies to acquire current title information (PR) and payoffs

Order transcripts from IRS, Appraisals, and calculate borrower’s income for loan qualification

Review and arrange files in proper stacking before submitting to underwriting

Interface with loan officers to complete underwriter conditions and ensure all documents are in place before closing

BANK OF UTAH, Sandy, UT 2013-2014

Mortgage Loan Processor

Responsible for verifying, compiling, and encapsulating application information for home loans

Assist the Loan Officers regarding mortgage loans and follow-up with clients to collect all documents necessary to close loan

Excellent knowledge of FHA, VA, Conventional, USDA, and Utah Housing Loan programs

Understanding of IRS forms, schedules, and ability to determine acceptable cash flow

Comprehend title commitments and can resolve associated problems

Work with Title Companies to acquire current title information (PR) and payoffs

Order transcripts from IRS, Appraisals, and calculate borrower’s income for loan qualification

Laura Zubiate 801-***-**** ~ acu745@r.postjobfree.com Page 2

PROFESSIONAL EXPERIENCE (Continued)

SELECT PORTFOLIO SERVICING, INC., Murray, UT 2009-2013

Loan Processor

Analyze, process, approve or reject short sales

Confirm and verify contracts for ratification; review appraisals

Administer detailed documentation for specific mortgage corporations

Evaluate and assess credit history, income, verify proof of funds, and financial statements.

Negotiate and deny short sales, pay-offs, and Deed in Lieu

Advise attorneys, real estate agents, and homeowners of current value of property and essential documentation required

Assess and monitor documents sent to Underwriting

UPSTARTZZ MARKETING, South Jordan, UT 2005-2009

Team Lead/Collections

Supervise and mentor staff

Monitor and evaluate monthly team stats

Direct supervisor’s monthly goals for their individual teams

Account Collections

Prepare and report Credit bureau information and monitor fraudulent accounts

Train new hires

Process time sheets, verify daily paperwork, and assign duties

VERIZON WIRELESS, West Valley City, UT 2004-2005

Customer Service Representative

Discuss, advise, and assist in selection and sale of appropriate products to satisfy customer requirements and desires

Address and resolve client issues, expedite orders, and increase business

Calm and counsel irate and difficult customers, clarifying their needs and recommending appropriate actions

LIQUIDATION UNIVERSE, Murray, UT 2003-2004

Customer Service Representative

Timely assessment and understanding of customer expectations

Maintain existing client accounts and process inbound paperwork after receipt, including system update and customer notification

ONE CALL LOCATORS, Orem, UT 2001-2003

Office Manager/Dispatcher

Interface with utility officials and contractors; analyze and assess discrepancies

Dispatch emergencies and other pertinent information to outside crews

Conduct initial phone interviews for new hires

EDUCATION

SALT LAKE COMMUNITY COLLEGE, Salt Lake City, Utah 2001-2002

General Course Study

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