Loan Processor Customer

O S C A R A G U A Y O

*****.******@***.*** . 714-***-****

OBJECTIVE

To apply my professional skills and experience as a Loan

Processor.

WORK EXPERIENCE

**/****-**/**** ********** MORTGAGE Santa Ana, CA

FHA Loan Modification Underwriter

. Scrubbed loan files for; clear title, income type, credit

reports, and custom LMF.

. Ensured completion of documents provided for loss-mitigation

treatment, occupancy, and customer hardship.

. Reviewed uploaded income, HOA fees, and debt ratios before

sending to underwriter.

. Followed up for proper execution, order, FHA-Case, E-Hud,

Caivers, and Neighborhood-Watch.

. Confirmed completeness of all documents for FHA loan

modification approval.

10/2011-01/2013 PACIFIC FINANCIAL SERVICES Tustin,

CA

Loan Processor

. Managed pipeline, loan approvals, and efficient work flow

among team members.

. Responsible for opening escrow, ordering titles, credit

reports, preparing Hud-1 and good faith estimates for

submittal to wholesale lenders within guidelines.

. Ensured PTD/PTF conditions were met and transactions were

closed in a timely, professional manner.

. Effectively communicated on a daily basis with agents,

brokers, escrow, and title companies.

04/2007-10/2011 AMERICAN MORTGAGE RELIEF Mission

Viejo, CA

Telesales Associate

. Requested required paperwork from customers while paying

attention to detail on all loan files.

. Analyzed and assessed customer credit worthiness.

. Submitted complete mortgage loan packages directly into

wholesale lenders internal system for review.

01/2001-04/2007 WINDSOR CAPITAL MORTGAGE San Diego, CA

Loan Processor/Originator

. Managed rate locks prior to expiration date.

. Reviewed final loan summary prior to submitting required

documentation to underwriter.

. Remained current on company, state, and federal regulations

to ensure compliance.

EDUCATION

2013 NMLS Lake Forest, CA

NMLS License

2010 South County Outreach Lake Forest,

CA

Computer Certificate

1998 Western Business College San

Diego, CA

Business Certificate

SKILLS

. Calyx Loan Originator, Excel, Word, PowerPoint, Outlook,

Internet, and 10 key

LANGUAGES

. Bilingual: English and Spanish

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