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Results-Driven, Goal Oriented Sr. Mortgage Loan Processor

Location:
Grand Prairie, Texas, 75052, United States
Posted:
October 16, 2018

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Resume:

LaKeisha Clark

**** ******* ****** **, ***** Prairie Texas, 75052 * 214-***-**** * ac7efg@r.postjobfree.com CAREER OBJECTIVE

Results-driven, goal oriented professional with 18 extensive years’ experience with demonstrated history of leadership in a high-volume fast paced mortgage lending industry with a high degree of change. Currently seeking a challenging rewarding position with a dynamic company where I can maximum my skills

SUMMARY OF QUALIFICATIONS:

• FNMA FHA FHLMC and VA knowledge

• Ability to provide coaching and guidance to a team on a variety of procedures

• Microsoft Word, Office, Excel, Encompass, Calyx, & Run AUS (DU&LP)

• Strong analytical, planning, & organizational skills alone with the ability to adapt work under pressure while providing outstanding customer service in a fast-paced environment

• Motivator, self-starter, active listener, & team player WORK EXPERIENCE:

Sr. Loan Processor, March 2017 – Layoff 10/01/2018 SSBT Mortgage Group, Fort Worth, TX

• Review residential loan application files to verify that application data is complete and meets company standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment; in some cases, recommended a loan application not be sent to underwriting.

• Pre-underwrite loan files, assuming what conditions may be needed prior to the file being underwritten by the underwriter

• Conduct daily review and follow-up with customers and vendors regarding outstanding items; gather necessary documentation as needed.

• Read and understand appraisals, AUS findings, title and credit reports

• Utilize basic business math to calculate income, assets, taxes, and monthly insurance

• Prepare files for closing & submit to closer. Ensured that files meet all funding requirements

• Read updates and comply with all Quality Control policies

• Assist the post-closing and /or quality control department in obtaining any missing documentation needed to render a loan saleable into the secondary market Sr. Loan Processor, Jun 2016 - Jan 2017 (Layoff)

Pacific Union Financial, Farmers Branch, Tx

• Strong analytical, problem solving and negotiation skills. Excellent verbal and written communication skills; communicate effectively both internally with Pacific Union Financial management and externally with prospects/ clients, vendors

• Maintained a pipeline of 25-40 loans with an emphasis on customer service, quality, accuracy and efficiency

• Reviewed each loan file to verify documents are present, accurate and sufficiently complete for an underwriting decision...including satisfying DU requirements and calculation of income prior to underwriting submission

• Working directly with underwriting, sales coordinators, loan officers and management to understand the financial picture of the customer

• Processing FHA, VA, Conventional, Full doc and Streamline loans. Team Lead /Sr. Loan Processor, Mar 2015 - Feb 2016 Penny Mac, Fort Worth, TX

• Process loans approved by an Underwriter or AUS.

• Gather customer and third-party documentation necessary to assess a customer’s willingness and ability to repay their mortgage loan.

• Clear conditions and issue changes to the terms on previously approved loans

• Subject matter expert for VA and FHA streamline loans

• Mentor and Assist in training new hire

• Inspired each team member to perform and produce their best

• Assist processors and processing assistants with questions & issues on guidelines s

• Spot check new team members files before going to underwriting & closing

• Escalate any issues that impact a loan transaction.

• Maintains a high level of customer service by being proactive in communication with customers

• Ensures that loans are processed in accordance with PNMAC policy and procedure. Sr. Wholesale Account Manager, Sep 2014 - Feb 2015 (unable to relocate) Carrington Mortgage Services, Plano, TX

• Main contact of communication and support between the Broker and the various departments and individuals of the company throughout the process of the loan, including but not limited to Account Executive(s), Underwriting, Quality Control, Docs and Funding

• Processed VA & FHA full doc / streamline loans

• Ensure compliance deadlines were met with regards to pre-disclosures, approval letters, cancellation and declinations

• Obtain necessary stipulations from brokers and clears any stipulations prior to funding as required by underwriting

• Proactively monitor pipeline of 20-35 loans to ensure timely funding’s

• Constant communication with Account Executives regarding their pipelines and Brokers

• Inform the Broker and Account Executive about any discrepancies in the title, appraisals, credit, employment, income and other related items in the loan file Team Lead / Sr. Loan Processor, Aug 2013 - Apr 2014 (Layoff) Green Tree/DITECH, Dallas, TX

• Assist manager by overseeing & managing daily operations of the processing team

• Assist the team with questions and issues, resolving matters in a timely matter

• Analyzed processors individual performance & motivated them to perform even better

• Attended weekly meetings with upper management

• Verify loan documents including income, credit, appraisal, and title insurance ultimately preparing application for submittal to underwriting.

• Review file documentation and make sure all items needed are requested.

• Audit loan files to assure quality before going into closing

• Maintain pipeline of 20-30 loans while taking on team lead role

• Maintained outstanding customer service and communication with the customer through the loan process

Sr. Loan Processor FHA, Jan 2013 - Aug 2013 (Layoff) JPMorgan Chase, Fort Worth, TX

• Review loan applications for completeness and accuracy, verifying supporting income, and asset and liability documentation. Work directly with customers to ensure high customer satisfaction

• Maintain system accuracy, issue proper disclosures as required by federal regulatory compliance and review rate lock and point objectives for accuracy.

• Set up files and order all necessary exhibits for appraisals and credit reports. Prepare and calculate income and assets thoroughly before submission to underwriting.

• Order and review title insurance, appraisals, loan payoffs, flood, tax certificates and surveys.

• Order FHA case number, CAIVERS, & conduct LDP/GSA searches

• Run AUS (DU or LP)

• Maintained outstanding customer service and communication with the customer through the loan process

• Manage pipeline via weekly pipeline report. Currently registered under the National Mortgage Licensing System and Registry under the SAFE ACT of 2008. Team Lead/ SME/ Sr. Loan Processor, Sep 2012 - Jan 2013 (Layoff) Genpact, Richardson, TX

• Ensure the timely and accurate packaging of all loans. Validate and verify accuracy of documentation for employment, income, assets, and credit.

• Strong analytical, problem solving and negotiation skills. Excellent verbal and written communication skills; communicate effectively both internally with Genpact management and externally with prospects/ clients, vendors

• Work in a fast-paced environment and meet tight deadlines for submission to UW, and prepping file for docs.

• Work with senior management to achieve organization agenda

• Assist with the training a mentoring of processors

• Assist with issues with processing that may have occurred on the floor.

• Conduct morning meetings & collect each processor production goals for the day reporting them back to upper management

• Maintained a pipeline of 10 -15 loans while upholding team lead role FHA Credit Underwriter 2 - Loss Mitigations, Sep 2010 - Sep 2012 (Layoff) Citi Mortgage, Irving, TX

• Perform credit and property analysis on government loan files submitted within the time frame established by departmental management.

• Adequately and effectively calculate incomes explain in written and verbal form the decision reached in a manner that will maintain a positive relationship with all customers.

• Perform timely reviews of conditions submitted, as well as loan resubmissions.

• Typically handle higher risk loans. Analyze challenging loan packages to determine alternative solutions.

• Process agency/investor exception requests as needed

• Perform other job-related duties and special projects as required.

• Max signing authority 500,000

Jr. Underwriter / Sr. Loan Processor-Broker Wholesale, Aug 2000 - Aug 2010 Citi Mortgage, Irving, TX

• Investigate and verify borrower’s application information, proper stacking and data entry of all credit file documents and closing file documents. Review credit reporting data, property title searches, property appraisals and income documentation.

• Order necessary documents and follow-up with vendors/third parties to obtain in timely manner

• Manage pipeline of 60 + loans within required performance standards for welcome, approval and status calls

• Obtain and review customer documents and clear conditions commensurate with authority level

• Partner with sales and underwriters on difficult and/or exception transactions

• Assist brokers with rates, products, and scenario questions

• Completed rational and compensating factor before submitting to underwriting

• Analyze and merge borrower credit for underwriting

• Analyzed and calculated borrower income before submitting file to the underwriter for review

EDUCATION:

SAN MARCOS HIGH SCHOOL, San Marcos, TX

High School Diploma, Oct 1995

NORTH LAKE JR. COLLEGE, Irving, TX

Completed coursework, Sep 2001

ADDITIONAL SKILLS:

• Leadership Ability

• Organized, Disciplined, & Passionate

• Ability to work within deadlines & prioritize multiple tasks with keen sense of urgency

• Ability to react to change productively and handle other essential tasks as assigned

• Completed training in the following: TRID, Compliance Training Mortgage Banking, Risk, SAFE ACT, Fair Lending, HMDA policy, Identify Fraudulent and Suspicious Activity, Analyzing Income for Underwriting, Analyzing Credit and Risks for Underwriting, Analyzing Collateral for Underwriting, Analyzing Assets for Underwriting HOBBIES & INTERESTS:

Watching & playing sports (Football, Basketball, Volleyball, Tennis etc.) Enjoy working out inside & outside of the gym...love being active Traveling & spending time with family

Participating in S.T.Y.L.E girls youth group

Volunteering at food pantries & homeless shelters especially during the holidays



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