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Customer Service Loan

Location:
Palisade, Colorado, 81526, United States
Posted:
January 16, 2018

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Marva Briggs

***** **** *** *** #****

Aurora, Colorado 80011

720-***-****

ac314a@r.postjobfree.com

Objection: To secure a challenging and responsible position with opportunities for career advancement and commitment and providing quality customer service with utmost professionalism.

SUMMARY:

Over 10 years of mortgage loan processing experience

Maintained pipeline of 30+ worked loan files per day

Familiar with Conventional, FHA and VA Loans

Ordered appraisals and title work and resolved any discrepancies

Verified income and employment for borrowers

Ensured underwriter conditions were cleared to get loan files to closing

Proficient with DO, DU and LP automated underwriting systems

Familiar with Calyx Point, STMP, MLCS, Credo, Digital docs and PLX software

Experience with working on loans with Bankruptcy mainly Chapter 13's

EXPERIENCE:

Westerra Credit Union 06/2016-06/2017

Parker, Colorado

Loan Processor

Obtain and assemble complete loan package in proper order for underwriting. Verify all required documentation (pre-underwrite) the file.

Verify the application is complete and accurate. Verifies documentation submitted and identifies any potential issues that may arise in underwriting.

Performs a thorough review and analysis of borrower’s credit, employment, income and assets before submitting the file to underwriting. Prepares the 1003 and 1008 and ensures the accuracy of all the information printed on said documents. Responsible to hand over a completely documented file to the underwriter which is ready for approval or denial.

Directly communicates with the Loan Originator, customer and underwriter in order to obtain initial and missing documentation required to qualify for the loan, including but not limited to income information, asset information, credit authorizations, trust agreements, purchase agreement, etc.

Reviews loans for compliance within RESPA, TRID, HMDA, Reg B, etc. (all mortgage related regulations). Prepare proper disclosures as required by regulations.

Communicate with various companies to obtain Flood Certificate, Title Commitment, and payoff information. Verify vendor orders are complete and invoices received, and all are in the member’s file.

Reviews FHA/VA loans for compliance with FHA/VA guidelines. Prepares and reviews all required addendums and disclosures as required by FHA/VA regulations.

Manage pipeline by reports within allotted turn-around times and sets up loans in a timely manner.

Documents all communications related to the loan applications in the conversation log

Other duties as needed or assigned

Consistently demonstrates the Westerra Way Experience and complies with all policies and regulations

Stearns Lending

Operations Assistant 04-2015- 09-2015

Greenwood Village

The Operations Assistant position is responsible for providing assistance to Closer and Funders as they work to convert prospective clients into closed/funded loans.

Through providing loan coordination, document collection, customer service and follow through with all facets of the loan origination process to the assigned Closer and Funder.

Assuring Closed and Funded Loans were properly stacked, scanned, indexed and shipped in a timely manner to avoid company financial expenses.

Stewart Lending Services

Mortgage Analyst 06-2014 – 09-2014

Greenwood Village

Analyzing Mortgage loans checking for last status of Bankruptcy, Loss Mitigation, Foreclosure and Short sales.

Inputting last status of loan from one data base system to another

Stepping loans for Senior review before

Meeting expected productivity per day

Urban Lending 06-201*-**-****

Retail Processor/SunTrust Highlands Ranch CO

Competently review loan files to insure compliance with guidelines

Manage email communication with borrowers and loan officers to request documentation, set expectations, follow up and review closing figures in a professional and competent manner

Perform accurate and complete input into Point of Sale or Loan Origination system

Request needed documentation from third party sources

Coordinate with underwriting to clear any conditions

Coordinate with closing to insure an accurate and timely closing

Allon Hill 2011-2012

Mortgage Loan Analyst Denver, CO

Review and analyze loan files using Allonhill’s system for:

oServicer compliance with foreclosure administration expectations

oControllable and uncontrollable delays during the default administration process

oExecution on loss mitigation solutions

Review servicer-provided documentation for accuracy and completeness.

Preparation of brief narratives communicating findings and/or requests for additional documentation in a clear, concise manner.

Enter data in proprietary system.

Regular, consistent and punctual attendance.

Reviewed and addressed Government Complaints

Loans with previous Bankruptcies

M & T Bank Mortgage Division 2010-2011

Loan Processor/Pre-Closer Greenwood Village, CO

Processed and Pre-Closed Conventional, FHA, VA and USDA Loans

Checked Interest rates, Pricing on locks

Reassured Good Faith Estimate was In compliance

Checking for HMDA Accuracy

Using Software such as Unify, Calyx-Point and MS Word

Accessed Internet Programs such as Core Logic, ID Check Direct, Colorado Secretary of State, Broker License Management, Flood Certification, NMLS Consumer Access

Aurora Loan Services 2006 - 2008

Loan Processor Littleton, CO

Processed Conventional, FHA and VA Loans

Ordered appraisals and title work and resolved any discrepancies

Evaluated status of DU/DO/LP findings

Scheduled closings and prepared funds to be wired

Advised borrowers on loan status and on document requirements

FEMA 2004 - 2005

Customer Service Specialist Orlando, FL

Answered incoming calls in call center environment

Addressed and resolved problematic issues in a prompt and practical matter

Added new applicants to computerized database

Assisted applicants with housing during and disasters

Issued site control numbers for inspectors

WR Starkey Mortgage 2002 - 2003

Loan Processor Englewood, CO

Processed Conventional, FHA and VA Loans

Ordered appraisals and title work and resolved any discrepancies

Evaluated status of DU/DO/LP findings

Scheduled closings and prepared funds to be wired

Advised borrowers on loan status and on document requirements

Wachovia Mortgage 2001 - 2002

Jr. Underwriter Englewood, CO

Due diligence and quality assurance for Conventional, FHA and VA Loans

Ordered flood certification, hazard insurance and FHA case numbers

Verified income and employment for borrowers

Calculated DTI and LTV ratios

Ensured underwriter conditions were cleared to get loan files to closing

EDUCATION

Community College of Aurora Aurora, CO

Loan Processing Certification and Certified Mortgage Lender, 2001



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