Loan Processor

Kristine 's InformationLocation: La Crescenta, CATitle: Mortgage Loan ProcessorExperience: 9-12 yearsWilling to Relocate: NoWilling to Travel: No TravelCareer Level: ManagerWork Status: U.S. CitizenMember Since: 2011-08-10 Helpful Links

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KRISTINE EKIMYAN, Tel. ***************@*****.***

SUMMARY OF QUALIFICATIONS

High attention to detail and accuracy. Demonstrated organizational skills. Work well under pressure and able to handle a high volume of paperwork. Effectively handle multiple tasks simultaneously. Demonstrates ability to acquire and apply knowledge rapidly. Work with minimal supervision and contribute to a team. Computer proficiency in Microsoft Word and Outlook. Demonstrated ability to maintain confidential records. Analyze and record all incoming documentation for compliance and eligibility.

EMPLOYMENT EXPERIENCE

Bank of America - Glendale, CA 07/2002 - 05/2011

Mortgage Loan Processor HSS II / Underwriting L1

In-depth knowledge of underwriting and closing procedures.

Broad knowledge of federal lending regulations governing residential real

Estate lending.

Advanced knowledge of credit policies and approval processes.

Proficient in Microsoft Excel, Word and other applicable software.

Ability to assist in clearing approval conditions.

Ability to ensure accurate, complete, and timely loan data on processing system.

Review audit findings and prepare appeals for material discrepancies.

Review documentation prepared by analyst prior to submission to the auditor.

Proficient in meeting deadlines and work in a team environment.

Responsible for verifying, compiling, and typing application information for mortgage loans.

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

Process external and internal payoffs for old mortgages and lines of credit.

Review and arrange file in proper stacking before submitting to underwriting.

Interface with loan officers to ensure all documents were in place before closing date.

Mail the letter of approval and denial to the applicants.

Record data on the status of loans like number of new applications, approved loans, canceled, or denied, using computer.

Process third party verifications of employment, rent, mortgage, deposits, order credit supplements for disputes including judgments and bankruptcies.

Update mortgagee clause on Homeowners Insurance policies, order flood certification, process internal and external payoffs for old mortgages and lines of credit.

Interface loan officers to ensure all docs were in place prior to scheduling closing date (title, survey, appraisal, sales contract, good faith estimate, wire instructions, closing protection letter), Completed HUD-1, Updated 1003.

Process Purchases & Refinances Conventional, FHA, with DU Approval, submit loan to underwriting, clear conditions, run Fannie Mae findings, request Appraisals, Title Work, Insurance, Survey and submit loan to closing when clear to close.

Contact with Title & Escrow Companies, Borrowers, Sellers, Realtor.

Eligible approving & underwriting conventional loans up to loan amount of $417,000 with Clues Accept Level 1.

Calculate all types of income, assets and tax returns.

Magnificent communication and presentation skills for dealing with different types of customers.

Remarkable writing skills, which enhanced the required reports, office correspondence and other writing assignments.

First American Home Warranty Protection - Van Nuys, CA 05/1999 - 07/2002

New Orders Representative

Data entry in new order department.

Evaluating and correcting orders.

Processing mail, responding to customer product information requests.

Transferring calls to personal extensions and inter-computer paging.

Performing all other assigned office duties.

Omni Home Loans - Woodland Hills, CA 02/1998 - 05/1999

Administrative Assistant

Data entry, filing, mail routing, photocopying, setting appointments.

Client recruiting, creating client files, maintaining office supply inventory and all

Other administrative and clerical duties.

Resolving a range of administrative problems and inquiries,

Administrative/secretarial support for various departments/divisions such as

Answering telephones, assisting.

EDUCATION

Medical Assistant Certificate Program 1998: Modern Technology School

Political Science 2003: Los Angeles Valley College

SKILLS

Computer skills: Edge, Status Mart, Captiva, Point, Data Trac, Doc Velocity, MS Word, Excel, Outlook, typing 75+ wpm, 10 key by touch

LANGUAGE

Bilingual in Armenian and English

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