Manager Loan Processor
Resume:
Rhonda A. Caillouet
Metairie, LA 70001
************@*****.***
Professional Objective
Mortgage branch manager, underwriter and/or loan processor position and mortgage production specialist where my organizational skills, knowledge and performance would be utilized.
Highlights of Qualifications
• More than 31 years of experience in the title/mortgage industry
• Excellent teacher/trainer; patient and effective when working with a wide range of personalities
• Successful in learning and comprehending new systems and methods Relevant Experience
Management
• Trained all new incoming loan processor’s
• Managed a staff of 6 which included loan originators and loan processor
• Responsible for reporting directly to the owner of the company
• Conducted weekly meetings with loan originators concerning monthly loan closing projections
Underwriter
• DE underwriter
• Implemented and enforced all new government, conventional and investor guidelines
• Worked with LP, DU, VA PORTAL, E3, CALYX Point and Encompass computer software
• Underwrote mortgages for seven states including Louisiana, Texas, Georgia, Alabama, Mississippi, Florida and Michigan
Rhonda A. Caillouet
921 Ridgelake Dr.
Metairie, LA 70001
************@*****.***
Loan Processor
• Over of course of several years I’ve processed for 5-6 loan officers. Currently processing 3- LA, MS and FL. My loan officer in FL was #1 in the entire company for 2015 and my LA loan officer was #3. Currently closing between 18-23 loans per month.
• Before employed by Whitney Bank I have experience in packaging and submitting loans to several different investors which included government and conventional loans. Currently closing a majority of in house portfolio loans, purchase, refinances and one time close construction loans.
• Knowledge in getting documents from customers to prepare the file to submit directly to the underwriter. Also “pre-underwrite” the file to have a complete 1003 application for the underwriter so that we have minimal conditions after the file is underwritten. Also to make sure that we have all required signed loan disclosures.
• Work closely with the title companies, appraisers, real estate agents, insurance agents and borrowers
• Have experience with reviewing CD’s. Inputting insurance and real estates taxes, ordering MI
Senior Mortgage Production Specialist/Essential Duties and Responsibilities Responsible for providing support to one or Mortgage Loan Originators in the form of preparing, disclosing and collecting documentation for residential mortgages for processing and underwriting. Verifies that the information received is accurate and acceptable, requires a basic knowledge of mortgage documents, review underwriting conditions acquire required documentation and responsible for the final presentation of the loan package for an underwriter for the final decision. The position will also communicate and coordinate loan progress and needs clients, partners, internal departments and external third parties as needed.
• Assists the MLO with loan documentation preparation and provides loan disclosures to applicant
• Prepares new application packages and assists MLO in the distribution to customers
• Reviews and assesses individual needs of the customer and provides counsel on mortgage programs; discusses terms and rates with customers; locks loans/ interest rates
• Ensures all disclosures are within Federal and State Law requirements, i.e. initial disclosure, re-disclosure and change of circumstance.
• Pipeline manages file through whole loan process; Coordinates and communicates the progress and needs among applicant, MLO, Underwriter, Closer and external third party entities; Encourages mortgage business development through telephone contact
• Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.
• Orders updates to credit reports
• Reviews and inputs incoming documents (i.e. VOE, VOD, credit, etc.) into Loan Operating System (LOS)
• Reconciles LOS and Automated Underwriting System (AUS); Reruns AUS to ensure same automated decision is applicable to meet investor guidelines
• Recommends that loan not meeting standards be denied
• Determines if appraisal is to be ordered and what type; Reviews appraisal for errors and meets underwriting criteria and notifies lender of any discrepancies; Orders flood determination; Sends out construction package if applicable
• Calls specified companies to obtain title commitment, tax certificate, survey, homeowner’s discrepancies in title or survey
• Assembles file in electronic imaging system and reviews for completeness and accuracy
• Submits mortgage loan application file for underwriting approval
• Confirms closing date and location of closing; confirms final loan terms and cash to close with borrower prior to final resubmission
• Gathers all required documentation prior to closing and resubmits for final approval
• Types and mails approval and denial letters to applicants
• Notates denial or withdrawal status in LOS and prints appropriate package
• Submits denied files to underwriting for review and signatures
• Reconciles fees to determine if funds are missing
• Records data on status of loans, including number of new applications and loans approved, canceled, or denied
• Coordinates closings with customer, MLO, Underwriter and third parties as needed; Notifies and assist customer with eSigning of Closing Disclosure
• Other duties and special projects as assigned by Senior Management
• Follows all established policies and procedures and maintain compliance with all lending regulations
• Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act
Notarial Secretary
• Prepared all HUD 1 Settlement Statements
• Followed up and maintained an ongoing communication with lenders, real estate agents, borrower and seller
Employment History
2016-2018 Whitney Hancock Bank
2016-2016 NOLA Lending
2009-2016 Whitney National Bank, Jefferson, LA
2006-2009 Capital Lending, Harahan, LA
2003-2005 Landmark Mortgage Corp., Gretna, LA
Branch Manager/Mortgage Underwriter
2000-2003 Landmark Mortgage Corp., Gretna, LA
Senior Loan Processor
1999-2000 Centex Home Equity, Metairie, LA
Senior Loan Processor
1997-1999 Green Tree Mortgage, Metairie, LA
Underwriter/Loan Processor
1995-1997 Elite Title, New Orleans, LA
Notarial Secretary
1991-1995 Charter Title, Metairie, LA
Notarial Secretary
1985-1989 Lawyers Title, New Orleans, LA
Abstractor
Education
1980-1984 Academy of Holy Angels, New Orleans, LA
References:
Tina Gordon
Whitney Hancock Bank
Vice President Regional Sales Manager
****.******@**************.***
Patricia Hubble
Whitney Hancock Bank
Senior Underwriting Manager
********.******@**************.***
David Ancar
Account Manager Red Bull for Crescent Crown
Jamie Corona
Senior Mortgage Loan Processor
***********@*****.***
Angela “Angie” Munna
Senior Mortgage Loan Underwriter
*********@***.***
Frank Moresco
Loan Officer
*****.*******@****************.***
Brenda Burnett
************@*****.***
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