Virginia Ramsey 202-***-****

***** * ****** **, *** 2b, Laurel, MD 20708 ac0nq6@r.postjobfree.com

Professional Profile

Manager,

Relationship Manger,

Mtg. Document Auditor,

Funder,

Closer,

Processor,

Originator.

Post Closing Auditor

Professional Experience

Processor/Underwriter

All Considered Mortgage Inc - Rockville, MD

June to Present

Review Non-QM loans files submitted by Loan Officers to verify that all the required documentation needed has been supplied to submit to Underwriting. Submit all documentation for the submission of final credit clearance to Underwriting upon receipt of file from underwriter whether suspended or approved, work closely with borrowers and Loan Officers to obtain and review all documentation received by applicants as requested by the Underwriter; Verify with third parties such as employers, banking institutions, credit bureaus and any other sources to make sure all information provided is accurate. Prepare all documentation for the submission of final credit clearance of the loan.

Loan Processor III

SunTrust Mortgage - Rockville, MD

September 2015 to May 2016

*Verify and compile information for residential mortgage loans *Calculate income, assets and liabilities *Review loan applications for completeness, ensuring loan meets standards (type, amount, assets, etc.); reconcile against system input *Gather required documentation from customers and third parties *Communicate effectively with Mortgage loan Originators and other staff as needed to obtain information to complete files Manage pipeline of 20-25 loans per month, purchases and refinances Accomplishments Assigned to High Producing Loan Officers managing 20-30 loans per month. less

June, 2010 – Aug, 2015 Wells Fargo Home Mortgage Columbia, MD

Home Loan Processor

• Assisting Loan Consultant with processing there Conv, FHA, VA & 203K loans.

• Requesting loan documents from borrowers for credit approval.

• Ship Disclosure Documents to borrower for signatures and do a Pre audit of file.

• Stack and ship file to fulfillment. Requesting Hazard Ins, Pull credit reports,

• Order Appraisals and Title Binders. Request and submit documentation For Condo Approval.

• Order subordination agreements, payoffs with other lien holders. Submit contractor’s information

For approval on 203k loans. Scheduling closing, and reviewing HUD 1.

• Complete a Post closing review.

March, 2006 - April, 2010 Gmac Bank Fort Washington, PA

Auditor

Auditing Mtg. documents and Approving wire transactions.

Insure all files reviewed meets company guidelines.

Audit review includes, Conv, Non Conforming, FHA, VA, Bulk loans, RESPA.

Working with Correspondents, Underwriting, Quality Control., Client Service, Lock desk, and Post Closing.

Feb, 2002–March, 2006 Gmac Bank Horsham, PA

Table Funding Team Lead

Managing 6-15 employees, workflow, volume and errors.

Maintained High Level of Customer Service to 100 + clients.

Provided training and monthly team meeting.

Approve time card, vacation time and yearly reviews for all employees.

January, 2001– February, 2002 Gmac Mortgage Company Horsham, PA

Relationship Manager

Auditing Mtg. documents and Approving wire transactions.

Insure all files reviewed meets company guidelines.

Audit review includes, Conv, Non Conforming, FHA, VA, Bulk loans.

Provide a high level of Customer Services Correspondents, Underwriting, and Quality Control.,

Client Service, Lock desk, Post Closing and Mail Room.

Nov, 1998- Sept, 2000 Washington Mutual Bank Blue Bell, PA

Loan Coordinator III/Closer

Verifying Customers Loan information.

Checking pricing, entering taxes, hazard ins, closing fees into a loan works data base.

Printing closing documents, ordering settlement funds, verify fees with settlement agents, preparing HUD 1

Statement and funding loan after it closes. Stack Post Closing Documents and Shipping them.

Education

2003 Weichert Real Estate School Wayne, PA

Real Estate Fundamentals and State Laws

1994–1996 Devry Institute Decatur, GA

Information Systems

1986-1990 Norristown High School Norristown, PA

Business Course, Graduated, 1990

Interest

Real Estate, Landlord, Norristown Pa.

Virginia Ramsey- ac0nq6@r.postjobfree.com- 202-***-****.

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