Loan Manager

**** ******** *****

Rowland Heights Ca *****

Mobile:626-***-****

Email:**********@*****.***

Joanne L. Mendoza

Summary

Accomplishments

Results-driven MORTGAGE BANKING-SUPERVISOR-TEAM LEAD with a complete knowledge of conventional and government sponsored lending programs. Extensive experience in managing banking and government loan regulatory standards within a large pipeline. Proficient at increasing productivity within processing and closing departments. Organizational skills in loan packaging, underwriting documents and verification of required documentation including income, credit, employment, purchase contracts, verification of funds, appraisals, and title insurance. Develop positive customer relationships with consistent communications on processing and underwriting status. Production-oriented with a sense of urgency that ensures the confidence of the loan processing packages are completed and submitted with the highest level of efficiency and accuracy as well as excellent attention to details. Excellent verbal/written communication skills. Well developed team player.

Ranked Top 25% Relationship Manager in western region.

Received Chase “top performance recognition” for two consecutive quarters.

Received Chase “customer satisfaction spot award” from 1st quarter of 2013.

Received “most valued employee” award for three consecutive quarters.

Consistently closed 15-20 loan modifications per month.

Continuously received and maintained a 95% score rating for customer satisfaction surveys.

Education

Certifications

Experience

Watterson Business College of Law, Pasadena, California

Dean’s List – Accumulative GPA 3.50

Major In: Business Law, Family Law, Criminal Law, Real Estate Law, Wills & Trust, Worker’s Compensation

Certified Paralegal

Certificate of Completion of Foreclosure Guidelines (Neighbor works of America classes completed)

Certified Neighbor Works Foreclosure Home Counselor

Foreclosure Intervention and Default Counseling Part I & II

FHA/Fannie Mae/Freddie Mac Underwriting Procedures and Guidelines

FDCPA Training (Fair Debt Collection Practices)

FHA (Fair Housing Act 2014/2015)/Fair Lending

Fremont Bank

Sr. Loan Processor July 2016- Present

Review all loan files upon receipt to meet current Service Level Agreements as required and analyze information necessary to process mortgage applications.

Verify all automated underwriting accuracy on outstanding conditions, file set ups.

Obtain title, credit reports, appraisal reports, hazard insurance, and verify all fraud reports for due diligence.

Ensure compliance with disclosure requirements and meet all compliance standards.

Up to date knowledge of loan programs and products such as FHA/VA /Fannie Mae/Freddie Mac loans.

Follow up and obtain underwriting conditions with the customers to ensure loan applications are complete prior to funding.

Daily pipeline management with an emphasis on meeting rate lock expirations, mortgage commitment dates, and department turn times.

Effectively communicate with underwriting, docs, funding, and post-closing to ensure all loans are completed accurately and sufficient.

Consistently update and maintain loan status in each stages of the loan to enter into Empower and process each loan in a timely manner.

Joanne L. Mendoza Page 2 of 2

JP Morgan Chase (temporary)

Account Manager January 2016- July 2016

Review, analyze and report status of loan pipeline to the loan officer on a regular basis and gather all income and borrower information necessary for the loan application

Obtain all necessary information for verifications and underwriting such as financial data, tax returns, credit reports, etc.

Evaluate and review products and processes for business line control.

Up to date knowledge of loan programs and products such as FHA/VA /Fannie Mae/Freddie Mac loans.

Follow up and obtain underwriting conditions and advise loan officers of any issues ASAP that could affect loan approval

Order appraisals, title and pull credit reports

Ensure all loan packages are complete and accurate prior to submission to underwriter.

Assist in resolving post-closing deficiencies.

US Bank, Irvine, CA

Sr. Loan Processor/QA Analyst Team Lead May 2014- September 2015

Review, analyze and gather all necessary loan documents needed in order to submit loans to underwriting dept.

Assisted in processing of loan files and updating conditions received as well as ordering of necessary documents such as credit/title reports/appraisals, and running DU/LP if necessary.

Conducts quarterly project reviews/performance trends and helped to reduce audit identified exceptions by 50% for each business line in order to improve efficiency.

Evaluate and review products and processes for business line control.

Up to date knowledge of loan programs and products such as FHA/VA /Fannie Mae/Freddie Mac loans.

Provides status reporting to Quality Assurance dept. and site manager and monitors QA reports for several business lines.

Works on problem solutions and report progress to senior management.

Led in the planning and estimation of Quality Assurance support for new programs and projects.

Schedules and prioritizes work and activities relating to risk management support, as well as perform team lead duties i.e. assist in the development and ongoing training of processors within the dept., handles escalated issues, and reviews loan documents for 100% accuracy rating and ensures the bank is in compliance with state and federal regulations and guidelines.

Participate in weekly internal audit calls on the overview of corrective actions and root cause.

JP MORGAN CHASE, Santa Ana, CA March 2010 – Dec. 2013

Team Lead/Homeownership Advisor (Chase Homeownership Center)

Interacted and conducted face-to-face meetings to provide financial counsel with Chase

customers in order to evaluate their financials, assist in collecting loan docs, process and review loans docs for accuracy and ensure it meets guidelines. Performed team lead duties such as daily department reports and special assigned projects.

Conducted meetings and presentations with nonprofit agencies, loan officers, and bank personnel to promote Chase Homeownership Center products and to further enhance its image and develop additional business for our Chase Homeownership Centers.

Maintained up-to-date knowledge of relevant company policies and procedures effecting loan servicing decisions including knowledge of underwriting guidelines for FHA, VA, and Conventional Loans. Facilitated loan docs to underwriting departments and worked closely with the underwriters on each stages of the loan process.

Thorough working knowledge of loan documentations, policies, compliance and procedures

Analyzed borrower's personal finances and intentions in order to make recommendations on loan solutions, loan products and/or reinstatement of delinquent accounts/loan modifications to reduce turnover rates by 50% in loan applications.

. Assisted in department projects to help maintain 0% error rate on loans and managed appropriate internal control safeguards and adherence to state and federal laws and regulations.

Joanne L. Mendoza Page 3 of 3

INLAND FAIR HOUSING & MEDIATION, Rancho Cucamonga, CA July 2008 - Feb. 2010

Team Lead/HUD Certified Loan Counselor

Performed team lead duties such as handling complex escalated calls from associates serving high net worth customers nationally. Analyzed detailed client information and provided solutions mutually beneficial to the customer and the organization. Exceeded department standards for problem-resolution turnaround time by 50%.

Interacted with lenders within the underwriting dept. in order to help qualify homeowners for loan products and approval of loans.

Assisted in gathering loan documents ready for loan submission to various lenders.

Evaluated the customer’s financial ability to obtain loan approvals from lenders.

Counseled homeowners on various types of loan products, as well as workout options such as short sales, deed in lieu, forbearance plan, or loan modifications.

Researched and resolved inquiries and problems related to delinquent and foreclosure loan accounts handled by the default unit and department processes. Served as liaison with other departments in the resolution of day-to-day operational issues.

HOT TOPIC, City of Industry, CA Dec. 2007 – June 2008

Paralegal

Coordinated preparation and analysis of legal documents prior to execution to

accurately convey the company’s intent.

Drafted and edited legal agreements and responded to discovery requests.

Managed and/or coordinated with outside counsel on legal matters that require

specialized legal support including disposition, investigation and litigation.

Researched and reviewed issues pertaining to legal matters and maintained litigation files

and performed due diligence searches as needed.

Respond to all internal legal inquiries from other departments and provide a 24 hour turn time on

responses.

Thorough knowledge of contract law and reviewing and the revisions and edits of contracts.

Assisted in the processing and due diligence reviews of contracts and maintained

up to date knowledge of company compliance and procedures.

INDYMAC BANK, Pasadena, CA March 2000 – July 2007

Team Lead/Senior Credit Risk Analyst 2003-2007

Coordinated preparation and analysis of reports for broker/correspondent applications. Audited 2,000+ financials and business plans ensuring policy compliance.

Performed team lead duties such as: supervised a minimum of 5 employees and managed the daily operations within the department, sent out department’s daily reports, and acted as a liaison between new account managers and brokers.

Demonstrated knowledge of underwriting guidelines and interacted with underwriters with FHA, VA, and Conventional loans.

Worked with loan processors to obtain missing loan documentations, assisted in

settlement statements, preparing early disclosures, and loan set up.

Facilitated the appeals process for correspondent sellers.

Researched and reviewed loan issues pertaining to the seller approval: licensing, credit, audited

financials, business plans, quality, risk control and other issues.

Sr. Loan Processor 2002-2003

Audited loan applications for 100% accuracy and completeness in accordance with

standard loan policies and specialized FHA/VA guidelines.

Strong knowledge and understanding of various loan programs and products.

Assisted in completeness of the application by collecting proper loan documents

needed from the borrowers and reviewed the borrower’s HUD 1 Final Settlement forms, Disclosures, Title, Deed of Trust and Closing Docs.

Entered data into online system at each stage of processing as required and obtained

any missing documentation required to complete document request ready for funding.

Improved dept. efficiency by maintaining a 90% accuracy rating in the seller

wholesale correspondent and preferred delegated underwriting applications.

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