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Loan Processor Analyst

Location:
Franklin Park, IL
Posted:
March 17, 2018

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Resume:

Octavia Wilkerson

**** * ******,

Oak Park, IL **302

773-***-****

ac4ufa@r.postjobfree.com 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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