Loan Processor Analyst
Resume:
Octavia Wilkerson
Oak Park, IL **302
*******@*****.*** Page 1 of 2
MORTGAGE ANALYST WITH EXCELLENT COMMUNICATION, ANALYTICAL, AND PROBLEM SOLVING SKILLS
Profile
More than 10 years of successful experience in processing and support with FHA, VA, Conventional, IHDA, New Construction
Strong understanding of Agency guidelines / Lending Procedures (FNMA, FHLMC)
Experienced knowledge in Microsoft Excel, Microsoft Word, Calyx Point, Encompass 360 and DataTrac.
Ability to train, motivate, and supervise employees.
Compliance guidelines experience in regards to RESPA
QC Average above average closes 90% of pipeline and average days in processing 21
Employment
Bridgeview Bank Senior Loan Processor
08/2017 – 02/2018
Responsible for ensuring that all loan documents are complete and accurate.
Obtained loan documents needed from all sources to clear approval and closing conditions.
Clears underwriting, post-closing, and suspense conditions for purchasing of loan.
Contacts borrower to obtain all underwriting conditions needed for closing.
Responsible for analyzing, validating and obtaining all required loan documentation in accordance with internal and multiple investor guidelines.
Reviewing credit report and other liability documentation. Calculating income and assets from statements and supporting documents
Ability to understand and calculate tax return income all schedules along with Corporate.
Proficient in analyzing title commitments, purchase contracts, HOA, HOI and identifying potential fraudulent or suspicions information.
The Federal Savings Bank Underwriting Analyst
04/2014-08/2017
Ensures loans meets investor guidelines
Prepares file for accuracy for submittal to the underwriting department. .
Daily Analyst pipeline report to track loan production and QC audit.
Clears underwriting, post-closing, and suspense conditions for purchasing of loan.
Communicates with all third parties associated within loan process.
Contacts borrower to obtain all underwriting conditions needed for closing.
Responsible for analyzing, validating and obtaining all required loan documentation in accordance with internal and multiple investor guidelines.
Reviewing credit report and other liability documentation. Calculating income and assets from statements and supporting documents
Ability to understand and calculate tax return income all schedules along with Corporate.
Proficient in analyzing title commitments, purchase contracts, HOA, HOI and identifying potential fraudulent or suspicions information.
Draper & Kramer dba 1st Advantage Mortgage Loan Processor
08/2012 – 08/2013
Responsible for analyzing, validating and obtaining all required loan documentation in accordance with internal and multiple investor guidelines.
Reviewing credit report and other liability documentation. Calculating income and assets from statements and supporting documents
Ability to understand and interrupt tax returns including self-employed and Schedule “C” income
Proficient in analyzing the title report, purchase contract, HOA, homeowner’s insurance and identifying potential fraudulent or suspicions information.
Analyzing the title report, purchase contract, HOA, homeowner’s insurance and identifying potential fraudulent or suspicions information.
Providential Bankcorp Senior Loan Processor
04/2012 – 08/2012
Responsible for obtaining required borrower documentation, including re-disclosing GFE’s, and other required disclosures
Strong understanding of HUD, Fannie Mae & Freddie Mac Guidelines
Orders title, all required verifications flood certifications along with employment
Trained new employees on use of system and communication to borrower
Ensures file is complete and is processed and finalized within specific time constraints
Baytree National Bank & Trust Loan Processor
09/2011- 04/2012
Experience with Conventional, FHA, VA Loans
Responsible for analyzing, validating and obtaining all required loan documentation in accordance with internal and multiple investor guidelines.
Reviewing credit report and other liability documentation. Calculating income and assets from statements and supporting documents
Time Management and organization skills to effectively prioritize multiple objectives and achieve volume goals
Guaranteed Rate Loan Coordinator
04/2010-02/2011
Contacted attorney and title agencies to discuss closing
Cleared all prior to closing, suspense, and funding conditions
Prepared file for the closing department
Locked rates, ordered appraisals and appraisal conditions
Knowledge of condo rules and regulates, requested decs & bylaws
American Street Mortgage Loan Processor 10/2006-04/2010
Knowledge of the RESPA law & GFE2010. Evaluated credit and verified income to determine eligibility for approvals
Ordered case assignments reports, appraisals, title, payoff’s and credit reports
90% of files come from submission to clear to close due to superior packaging of loans for submission.
Trained and supervised other processors to maintain closing requirements for company.
Obtained proper documentation to clear judgments and liens off title and credit reports.
Priced and locked loans at requested times to secure rates on submissions.
Cleared conditions from lenders in order to close loans.
Audited files during processing and the closing of files.
Education
Columbia College Chicago
08/2001-06/2003
Major: Journalism
University of Illinois at Chicago
08/1998-02/2001
Major: Finance
George W. Collins High School
Diploma
09/1994-06/1998
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