Loan Processor Insurance
Resume:
Wanda L Rogers
La Mesa, Ca 91942
Phone 619-***-****
E-mail Address *********@*****.***
NMLS #954906
Qualifications
Over 10 years of professional experience in Underwriting Residential Mortgage, Loan Processing, Foreclosure, Title Insurance, Escrow, Bankruptcy, Small Claims and Credit/Collections along with REO experience
Experience
11/2012-Present K Force San Diego, Ca
Contract Underwriter
Review and decision 1003, credit insurance, flood, income, prelim and appraisal, tax returns such as Schedule B,C,D,E,F and 1065, 1120 and K-1’s 2106 expense along with 4506 the task of underwriting files to Fannie Mae guidelines HARP and Purchases on a daily basis. Communicate to loan processor of appropriate conditions that must be cleared before file can be submitted for loan signing.
07/2012-12/2012 Citi Mortgage Las Vegas, Nv
Remote Sr. Underwriter
Decision Authority 1.5 million second sign for Initial Underwriter; review the file for data integrity, program eligible. File must have the minimum conditions for underwriter review credit, income, once initial decision is made wait for final conditions such as Appraisal, tax returns such as Schedule D,C,D,E,F and 1065 or 1120 and K-1’s if 2106 expense along with 4506 the task of underwriting files Citimortgage internal system and DU on a daily basis. Communicate to loan processor of appropriate conditions that must be cleared before file can be submitted for loan signing.
01/2012-05/2012 K Force San Diego, Ca
Contract Underwriter
Review and decision 1003, credit insurance, flood, income, prelim and appraisal, tax returns such as Schedule B,C,D,E,F and 1065, 1120 and K-1’s 2106 expense along with 4506 the task of underwriting files to four different investors guidelines such as Wells Fargo, Chase, Citimortgage and GMAC including Fannie and Freddie on a daily basis. Communicate to loan processor of appropriate conditions that must be cleared before file can be submitted for loan signing.
07/2010- 5/2011 Wells Fargo Rancho Bernardo, Ca
Loan Processor/Underwriter Private Mortgage Banking (PMB) processing loans that our 1 million and higher must underwriter the loan before we can process thru LIS system. Review of RESPA GFE to determine our RESPA tolerance, tax returns such as Schedule C,D,E 1065 and 1120, and K-1’s 2106 expense, title clearing and appraisal review, underwriting loan files Super Jumbo, Jumbo, conforming to Wells Fargo guidelines, clearing FACTA alerts, reviewing credit and income documentation.
06/2009- 11/2009 Aerotek (Bank of America) La Jolla, Ca
Underwriter
Pre underwriter files from various branches for BofA once file received review income documentation and provide loan officers with additional conditions for files to loan documents. Improved turn time from 2 weeks to 3 days for loan documents.
04/2007-6/2009 CSW Funding Inc. Chula Vista, Ca
Underwriter/ Sr. Loan Processor
Underwriting files using various search engines from Clout, LP, DU for various lenders Bank of America, Wells Fargo, Greenlight Financial, Di tech and Countrywide and various program FHA, VA and Conventional loans. Processing and closing of mortgage loans interface with mortgage companies regarding conditions and underwriting guidelines for certain programs offered. Provide a thorough knowledge of underwriting and title requirements, review policy for accuracy and assist appraiser and escrow companies with any discrepancy.
06/2003-04/2007 Greenlight Financial Services Irvine, Ca
Sr. Loan Processor
Make introductory call to borrower upon receiving the loan file. Verify with borrower accuracy of all information entered into Mortgage Online System (MOL). Verify receipt of welcome kits, preliminary loan disclosures and application. Verify and document all DU/LP and Clout requirements and resubmit. Maintain pipeline of 50+ files. Submit loan files to underwriting prepping files for docs and funding.
09/2002-06/2003 Genisys Financial Services Mission Viejo, Ca
Sr. Loan Processor
Must possess a good understanding of the mortgage industry and variety of investor concepts, practices and procedures maintaining communication with various mortgage companies regarding the processing of a file review signed documents for signatures and dates and notary signature. Also, prepare collateral package for funding.
08/1999-09/2002 Wells Fargo Home Equity Carlsbad, Ca
Loan Processor
Maintaining constant communication with over 100+ assign broker reviewing and signing off on required conditions for a loan Signing Authority of 250,000. (BFS) Broker Fee Sheets information training Brokers/Loan Processors on completion of BFS.
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