Customer Service High School

Katherine Nguyen

San Jose, CA *****

Email: **.******@*****.***

Cell Phone: 408-***-****

OBJECTIVE:

To obtain a position in a financial sector as a Mortgage Loan Processor

and/or Transaction Coordinator wherein my abilities and skills will be

utilized towards the growth of the organization.

ABILITIES:

. Over 8 years of work experience with financial institutions in

examination and evaluation of mortgage loan applications

. Experience with conventional, FHA, VA, and Co-Operative loans

. Proficient in mortgage deadlines and work in team environment

. Strong organizational skills, ability to handle multiple tasks and

prioritize effectively, and maintain confidentiality

. Ability to interact with varied customers and solve queries

. Strong written and oral communication skills, with an eye for detail

. Possess a willingness and capability to learn quickly with a can do

attitude

. Very hard working and job-centric

PROFESSIONAL EXPERIENCE:

RMR Financial, dba Princeton Capital

01/2008 - 05/2011 - Transaction Coordinator, Loan Processor

. Distribute weekly rate sheets and mortgage briefs to all Agents each

week

. Assist in the design and implementation of agent trainings and any

monthly or quarterly office events

. Run credit reports, download online applications and prepare them for

borrower's signatures

. Update files based on any adjustments in the borrowers handwritten

loan application for submissions

. Follow up with borrowers and remind them of any outstanding

documentation's they need to send in to make files complete

(including: help draft letters of explanation for borrowers)

. Order preliminary reports and appraisal reports, executed purchase

agreements, and any other outstanding conditions (i.e. HOA

certs/package, updated paystubs, bank statements, etc)

. Coordinates and corresponds with escrow, lenders, borrower's to gather

property documentation and complete file

. Typing of pre-approval and approval letters

. Key focus is on file entry, preparation of physical files and

achieving a high level of customer service.

. Reviewing loan files for completeness and identify missing

documentation and/or problems, setting up file on automated system

Addison Avenue Federal Credit Union

06/2007 - 11/2007 - Mortgage Loan Specialist and Support

. Timely and accurate processing, validation, and closing of a loan file

for all mortgage products

. Maintain effective communication with the member and with vendors to

ensure coordination and exchange of information for accomplishing the

closing of the member's mortgage

. Manage pipeline by reviewing reports and by prioritizing and

organizing workflow - insuring timely closing, deadlines, commitments

and/or promises

. Work with Manager to establish performance measures and goals.

. Develop and maintain relationships with various vendors such as title,

escrow, attorneys, appraisers, etc

. Strive to make process improvements and work with appropriate parties

to streamline and enhance processes.

. Review and analyze all documentation received and determine

acceptability

. Reconciling approved/eligible loans

. Open escrow, title only (FACT, LCP, PIRT, Legal & Vesting), appraisal

orders, and flood certifications

. Typing up pre-approval letters, pre-qual (TBD) letters, denial, and

cancellation letters.

. Complete HMDA and final audit for HMDA

. Reacts quickly to last minute issues and requests.

First Financial Lender

02/2004 - 09/2007 - Sr. Underwriter, Doc Drawer, and Funder

. Possess excellent knowledge of mortgage loan operations, underwriting

guidelines, policies and procedures in multiple departments.

. Trained and managed six employees and achieved significant

improvements in their productivity

. Responsible for underwriting all conventional, Alt-A, A paper, Sub-

prime, HELOCs, Jumbo and second loans in accordance with FNMA/FHLMC

and various Lenders guidelines

. Assist loan officers and brokers with loan programs guidelines,

underwriting issues, loan scenarios, and loan status.

. Draw loan documents via Doc Magic System

. Quality control review funding packages to send out for purchasing

. Fund Loans via table funding and In-House warehouse banking

. Cross training other employees on how to draw docs, process, fund

loans, and work new software systems for company

. Due diligence underwriting to ensure quality loan, reviewing for any

"Flip" transactions and "Identity Theft" loans.

. Manuel underwriter of loan file. Examine automated underwriting

conditions to avoid conditions not required thru artificial

intelligence, but require full manual underwrite of all income

documentation, Title & Appraisal Report's, credit report's. Ensured

accuracy and completeness for a saleable loan on secondary market.

. Communicate underwriting decisions to loan officers and brokers and

ensure that support staff receives information necessary to properly

structure and finalize incomplete loan packages.

. Experience in both Wholesale and Retail transactions

EDUCATION:

. Cupertino High School - Cupertino, CA - 9/1994-6/1998

- High School Diploma

. Mission College - Santa Clara, CA - 9/1998 - 5/2002

- A.A. Degree

SKILLS:

. Calyx Point Interface v. 5.3

. Genesis 2000

. Automated Underwriting Systems

. Encompass

. 10-key

. Type 50+ wpm

REFERENCES:

. Available upon request

Contact this candidate