Customer Service Loan
Resume:
Deanna Hun
Real Estate
Otisville, NY *****
*********@*****.***
Looking to obtain a position that will utilize and expand my current skills, looking to advance myself with a new experience and an opportunity for advancement in my current or new background. I am a diligent, detail-Oriented, and proficient in Customer Care. I am a Fast learner, of all officefunctions including computer savvy. Well manor with telephone and customer service in a professional atmosphere. Computer skills with know how(s) in MS Word, Excel, and Outlook. I am capable to multitask in a fast paced atmosphere. Works well under pressure while completing projects within time frame and budget. My background profession in finance grew as a mortgage underwriter gradually advancing; understanding all aspects and steps of a loan submission, hoping to steadily advance within any field.
Authorized to work in the US for any employer
Work Experience
Loan Administrator
Greater Hudson Bank - Monroe, NY
May 2017 to Present
● Commercial Loan Closing Preparation: preparation and distribution of standard legal documentation for consumer and commercial loan transactions. Utilization of Laser Pro software application, in addition to correspondence and support for Bank approved attorneys for certain mortgage secured transactions. Engage with commercial lenders and Bank approved attorneys to ensure the correct terms and conditions are reflected in the commitment letters and the loan documents. Process all invoices for payment relates to the closed loans. Maintain tracking of all documentation exceptions until items are received.
● Construction Maintenance: during the tenure of a construction loan, prepare advances, contact customers as needed, order inspection reports, order title construction reports, ensure loan is properly insured, process advances on Bank’s core system. Communicate with commercial lenders and customers to ensure proper notification is completed on all requested advances, in addition to proper compliance.
● Documentation Management: preparation and management of collateral files for all closed loans. Manage all incoming recorded documents, ensuring the proper filings are recorded, in addition to filing of these documents in their respective collateral files. Track all recorded documents on the tracking log. Update the tickler system on Core System with receipt of outstanding documents.
● Management Reporting: prepare and distribute necessary reports from Core System. Prepare, distribute and manage tickler reports and any other reports requested by management related to the Loan Department.
● Audit Assistance: assist the credit department and commercial lenders with any and all audit requests, inclusive of certain Core System information (loan information, payment history, etc.), providing collateral and credit files, and other miscellaneous items.
● Compliance: ensure compliance of regulatory requirement, Bank policies, and Bank procedures. Continue to take the required ABA classes to maintain the most current knowledge regarding consumer and commercial lending compliance.
● Miscellaneous: additional administrative duties and responsibilities include TMS maintenance, completion of various closing checklists, ordering property inspections, ordering title continuation reports, scanning of documents, filing, collateral file creation, data entry, Core System maintenance, reviewing files, completing loan transmittals, correspondences, provide back-up assistance to loan servicing when necessary, quality control other Loan Administrator’s work when necessary, and other tasks as needed.
● Submission and processing of Consumer and HELOC applications
● Scanning of booked loans
● Review of escrow GL, balancing and maintaining as back up
● Creating internal closing documents need/required for closing
● Updating sales on pipeline status when needed
● Processing of Loan Construction Advances and Line of Credit Advances Loan Processor II
Prospect Mortgage - New City, NY
November 2015 to September 2016
Validating information provided with supporting documents (correcting system and revalidating with clients)
● Submission of paperless file to Underwriting Department
● Ordering mandatory documents (VVOE, VOR, LOE, Payoff Letters, HOI's, etc)
● Reaching out to Borrowers/Members, Title companies, and Attorneys on additional required items if required.
● Providing Approvals and Welcome packages to all borrowers, attorneys and title companies.
● Submission of files to Closing Department
● Validating TRID corrections prior to submission to Closing Senior Underwriter
Hudson Heritage Federal Credit Union - Middletown, NY May 2011 to November 2015
Providing members and loan officers with pre approvals
● Providing rate pricing for Financial Service reps and loan originators
● Providing final approvals and commitments of 1 st Mortgage applications
● Review of Appraisal and Title reports prior to clearance
● Finalizing all closing documentation and verifying file accuracy.
● Funding of all mortgage applications. Versatile and coordinating all funds to the correct person, attorney, or member
● Providing reports and write ups of all transactions within department
● Direct contact for borrower complains, attorney request.
● Creating Procedures and Manuals for Real Estate Department for a more efficient team
● Involved in Process Improvement Meetings
● Secondary Market (Fannie Mae)
Loan Processor
● Updating and confirming accurate loan originator applications
● Runs Findings and provides additional stipulations to u/w if needed
● Orders appraisals & abstracts when ready
● Reviews all conditions received prior to u/w clearance
● Providing Attorney closing documents; create all Doc draw preparations
● Fund all closing internally and externally
● Direct contact with loan originators, underwriters, abstract, appraisers, and attorneys as the mortgage are in process until closed and completed Sr. Processor
Joyce Financial Corp - New City, NY
July 2006 to May 2011
Deals directly with clients (borrowers), inside representatives, underwriters, account managers and account executives on file submissions and approvals.
● Understand and comprehending all underwriting requirements before submission.
● Verified all documents are accurate true copies and correct calculations for submission.
● Training on numerous lender systems to understand the submission process.
● Yearly graphing (using excel) on closed files reflecting increase or decrease in business production.
● Worked on banking audits and broker approval between lenders.
● Banking compliance check was also a task.
Junior Processor
1st Security Money Centers Inc - Tuxedo Park, NY
June 2004 to July 2006
My position consisted of opening and processing new file submissions.
● Working directly with loan officers, account managers, and bank underwriters in a professional and well-organized manner.
● Clearing and requesting "stips" or "conditions" on a file after submission from loan officers directly.
● Post closing review
Sr. Mortgage Consultant / CRD
● Duties included direct contact between clients gathering all general and personal information for a mortgage application.
● Building a referral pipeline and conducting work in a professional manner; building trust between clients due to personal information.
Skills
Microsoft Word, Microsoft Excel
Certifications/Licenses
NMLS
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