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Loan Account Executive

Location:
Charlotte, North Carolina, United States
Salary:
55k
Posted:
May 15, 2018

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Resume:

TINA PATRICK Phone: 704-***-**** Email: ac5grg@r.postjobfree.com

PROFESSIONAL EXPERIENCE

The Federal Savings Bank, 2 017- 2018

Mortgage Underwriting Analyst

● Review and analyze credit documents accordance to FHA guidelines

● Borrower contact to discuss loan documentation requirements and inform of loan status.

● Follow up with all third-party vendors (appraisals and title) to ensure delivery of respective item.

● Collect, verify and analyze all documentation required for loan decision submission to underwriting.

● Assist loan origination with scheduling of closing approved loans.

● Communicate with loan officers and title agencies, borrowers, underwriters and closers on a day to day basis.

● Prepare files for closing upon receipt of CTC

Reverse Mortgage Solutions /Security 1 Lending, 2 016-2017 Mortgage Loan Processor

● Review credit documents accordance to FHA guidelines

● Borrower contact to discuss loan documentation requirements and inform of loan status.

● Follow up with all third-party vendors (appraisals and title) to ensure delivery of respective item.

● Collect, verify and analyze all documentation required for loan decision submission to underwriting.

● Maintain pipeline of 30 plus loans

● Assist loan origination with scheduling of closing approved loans.

● Communicate with loan officers and title agencies, borrowers, underwriters and closers on a day to day basis.

● 95% of my loans are one touch loans approved by underwriting for Clear to close.

● Complete Post-closing functions once all my loans were completed at the end of my layoff with the company WELLS FARGO HOME MORTGAGE, 2 013-2016

Loan Adjustor1, (FHA Short Sales) 2014-2016

● Ensuring loan submittals meet internal and external eligibility requirements, gaining extensive experience in the FHA Closing, Processing and Negotiation.

● Responsibilities will include: Reviewing financial statements; analyzing credit information; monitoring adherence to terms of agreement;E

● corresponding with customers, realtors and attorneys.

● Gathering documents including financial statements from borrowers along with the appropriate purchase sale agreements, etc. Ensuring documents are valid and executed properly Contacting customers and partners in order to gather information to make appropriate decisions. Reviewing title to ensure clear of all liens, manage a full pipeline of loans; order and review new appraisals.

● Liquidation Delegation of Decisioning Authority FHA, A decision in accordance with underwriting policy $500,000 delegation for first mortgage and $200,000 for home equity products, all are subject to investor and/or mortgage insurance company requirements guidelines and approvals.

Processor/Closing Specialist for Freddie Mac DIL, April 2014–December 2014

● Ordered credit reports, independently structures loan options and submits loan to appropriate automated underwriting system. 3 party services and reviewed Mortgage relevant documents. Reviewed and properly interpret appraisal & title reports as well as collateral documentation.

● Performed all assigned closing duties including reviewing loan files for proper completion of the pre-closing process.

● Compiled loan documentation to ensure that all conditions and requirements for closing were met.

● Communicated daily with title companies, account executive and brokerage companies. Pre- Foreclosure Specialist 2013

● Conducted general research verifying loan payment data, posted payment and loan balance information to determine foreclosure recommendation. Generate loan acceleration letters in accordance with state guidelines.

● Communicated with investors to determine if process foreclosure proceedings can be authorized. Utilize knowledge of mortgage loan delinquency for loans rejected by the automation system.

● Ensure investor and state specific compliance standards are met while completing manual loan foreclosure referrals. Authorize and document loans that have been reviewed and identified as default. BANK OF AMERICA, 2 012- 2013

Case Management Process Support (contract position)

● Support the servicing of mortgage loans, by processing routine transactions, documenting loan history, responding to customer, investor, or other 3rd party inquires, researching and/or preparing documentation, analyzing request in accordance with established guidelines.

● Processed 1st and 2nd Mortgage loans, FHA and MHA assisted in processing Bankruptcy, VA, USDA, and HUD authority loans.

● Handled complex (escalated) levels of transactions requiring subject matter expertise. WELLS FARGO HOME MORTGAGE, 2010-2011

Loan Processor / Traditional Fulfillment

● Perform all assigned closing duties the job consists of processing closing & funding the loans.

● Manage loan pipelines with daily contact with the borrower to obtain the necessary documents to complete the closing process.

● Review all loan files to be submitted to the underwriters for accuracy and compliance.

● Contact Title Company for title searches, correct name spellings, tax issues, schedule closings and ordering settlement statements (HUD).

TRANSUNION SETTLEMENT SOLUTIONS/MDA LENDING SOLUTIONS, 2 007, 2008 Processor, Apr-Nov 2007, May-Aug 2008

● Processed, Appraisal/BPO-REO drive by order request for various Banks

● Managed the order request information to be returned,

● Ensure orders meet the proper instructions and turnaround time defined production, accuracy and time service standards.

WELLS FARGO HOME MORTGAGE, 2 001-2008

Foreclosure Loan Servicing Specialist, 2007-2008

● Processed and monitor 70-100 loans per day from beginning to end of the foreclosure process.

● Duties include working with the attorneys and investors to ensure the foreclosure process was completed in a timely manner.

● Additional responsibilities were to monitor the foreclosure production reports and other duties as assigned. Loan Closing Specialist, 2 006-2007

● Performed all assigned closing duties including reviewing loan files for proper completion of the pre-closing process.

● Reviewed preliminary title reports, HUD’s and other loan documentation.

● Released funds when a loan was successfully closed.

● Communicated daily with title companies, account executive and brokerage companies.

● Handled various loans including: VA, FHA, FNMA, FHLMC, Conventional, Debt Consolidation Operations Processor 3, 2 001-2006

● Researched recording's and property legal description issues.

● Resolved deficiencies; Prepared affidavits for corrections to customer information for Title clearing

● Worked with Title Company and county recorder’s office to clear titles PROFILE SUMMARY

● Licensed Notary Public

● Accomplished business professional with 16 years of experience in the Mortgage and Financial industry

● Skilled Loan Processor, Closing Specialist, Loan Servicing, Title Clearing/Subordination, Process Support, Collections Specialist, Trainer

● Thorough working knowledge of FNMA, FHLMC, FHA, VA, HECM and Conventional loans

● Experience managing large pipeline of loans in a fast paced, production driven, paperless environment

● Advanced computer skills: Microsoft Office Suite (Word, Excel, Outlook, PowerPoint, Access)

● Proficient software skills: Encompass, Reverse Vision, Compass, LIS, LPS- desktop, CPI, Fidelity, Davox, CIS, Siebel, ONYX, JIT, Appraisal Port, Vendorscape, ADOBE, SharePoint, ICMP formally known as LIV; Web Track, CIMA, Evars, Clara, AAIVRS, FHAC, GEM, EOS mailing system



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