Steve A. Perez

ac7dn1@r.postjobfree.com / (Cell):718-***-****

Summary: Accomplished business professional with a proven ability to develop and implement strategies that support business and financial objectives. Recognized as a professional focused on achieving daily company wide goals.

Skills: Microsoft Office, Adobe, Encompass 360, Destin, Signature, Nautilus, Calyx, E3, Desktop Underwriter, Loan Prospector, QuickBooks, LIS, Core Logic, Loan Logics, Loan HD and Sharepoint.

Professional Experience

Investors Bank, Iselin NJ 12/2015 -12/2017

Residential Quality Control Coordinator

Prepared and Maintained audit reports on a monthly basis.

Familiar with Compliance and BSA protocols pertaining to lending guidelines.

Prepared files as requested and provided copies at request of QC vendor.

Received and reviewed exception reports from QC vendor for validation of the exceptions.

Performed other duties as may be assigned by department manager.

Review title policies to ensure sellers rights to transfer ownership and assessments

Achievement:

Improved office efficiency and customer service by overhauling previously haphazard online filing system. Resulting an improved workflow while minimizing errors.

MEDICAL DELIVERY SERVICES, Tampa, FL 7/2015 -12/2015

Independent Contractor/Medical Supply Transporter

Prepared and transported pharmaceuticals for cancer patients in a safe and professional manner to medical facilities.

Communicated with dispatch in order to receive relevant data and instructions pertaining to daily route.

Maintained a professional behavior, and attitude in regards to customers and cowork.

Routinely assisted medical labs in other states with their daily workload.

Followed directions of daily route and demonstrated the ability to use maps and GPS accurately in order to deliver medicine in a timely manner.

Performed all related duties as assigned by pharmaceutical companies.

Achievement:

Effectively adhered to a scheduled time of transporting important pharmaceuticals to medical facilities.

COMPUTERSHARE/NORTHPOINT, Edison, NJ 1/2014 -7/ 2015

Data Analyst/Imaging Operator

Assisted in implementation of Capturepoint Technology used in identifying mortgage documents through a sequence of barcoding techniques.

Prepared mortgage foreclosure documents for electronic transmission to online mortgage wiki dictionary.

Assisted with the accurate description of each loan document and placed under proper category.

Reviewed mortgage foreclosure document such as court documents, notes, deeds, income calculators, appraisal and automated underwriting documents to determine lenders approach to loan approval

Assisted in importing, transforming, validating and modeling data with the purpose of understanding and making decisions based on loan decision.

Achievement:

Effectively migrated database to assist in designating documentation for legal departments. Resulted in an effective way to locate important legal forms and improved workflow.

STERLING NATIONAL BANK, New York, NY

Loan Processor 11/2012- 4/2013

Acted as primary contact between mortgage consultant, clients, underwriting and closing departments during loan application process.

Communicated with clients, attorneys, title companies and mortgage consultants on information needed to close loan.

Responsible for making a thorough review of income analysis, credit reports, flood certifications, desktop underwriter and loan prospector.

Reviewed loan approvals and communicated to client all conditions needed in preparation for closing.

Managed pipelines consisting of 25-30 ensuring timely receipt of appraisal reports and disclosures. Uploaded information into origination system upon receipt.

Processed Conventional and FHA applications according to lending guidelines, policy and procedures.

Reviewed HUD settlement statements and scheduled closings between Title Company, attorney and clients.

Achievement: Organized and trained staff in a new online application database while transitioning from an older LOS. This resulted in positive results with increased customer applications and business by 15%.

CHICAGO BANCORP, New York, NY

Loan Quality Analyst 1/2012 to 8/2012

Acted as primary contact between borrowers submitting loan applications, mortgage consultant, underwriting and closing departments in order to expedite the application process.

Reviewed initial loan file for completeness and requested Credit Reports, Flood Certifications and DU/LP findings as needed.

Processed Conventional and FHA according to lending guidelines and policy and procedures

Performed income calculations based off of financial statements.

Reviewed title report to ensure sellers rights to transfer ownership, assessments debts and other restrictions on property.

Manage pipelines ensuring timely receipt of appraisal, disclosures and uploaded into origination system upon receipt.

Achievement:

Organized and trained staff in a new online application database while transitioning from an old one. This resulted in positive results stemming from compliance to increased customer applications and business by 20%

MLD MORTGAGE, Florham Park,

Loan Processor 2011 to 2011

Managed and processed a pipeline of FHA, VA and Conventional loans closing.

Verified accuracy of client information by comparing data on initial application and matched to documents provided at time file submission.

Prepared and updated credit reports, payoffs and homeowner insurance policies as part of loan process.

Processed Conventional and FHA according to lending guidelines and policy and procedures.

Performed detailed review of title report and property searches via various state and county websites.

Reviewed title report to ensure sellers rights to transfer ownership, assessments debts and other restrictions on property.

Achievement:

Coordinated and trained new employees to effectively increase monthly revenue by 20%.

WELLS FARGO HOME MORTGAGE, Staten Island, NY

Loan Processor 2009 to 2011

Processed Conventional, FHA and VA loans with various loan products and properties.

Validated and reviewed incoming loan applications for completeness and determined income eligibility.

Maintained communications with mortgage consultants, borrowers, attorneys and title companies with status and conditions on loans.

Ordered and updated credit reports, payoffs, insurance policies and settlement statements.

Performed detailed review of title report and purchase agreements for accuracies and completeness of borrower information and property information.

Cleared all loan conditions with underwriters, team leads and closing department prior to closing.

Achievement:

Led a project in relocating external application processing to an internal process. Resulting in a higher customer satisfaction and improved sales in a

Education

Apex Technical Institute – New York, NY 1988 - 1989

Air-conditioning / Refrigeration

Adison High School – Sarasota, FL 2007 - 2008

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