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Customer Service Loan

Location:
Arlington Heights, Illinois, United States
Posted:
November 07, 2018

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Resume:

DIANE JACKSON

Address: **** ********* ***. ******* ****, IL 60409

Phone: 708-***-****

Email: ac7mmu@r.postjobfree.com

Objective: Highly motivated with the ability to work independently or within a team. To be an integral part of a fast paced organization that will give me the opportunity to use my leadership, enthusiasm and 10+ years of experience mortgage/title skills to further my interest of the company. Qualifications encompasses but not limited to production, training, scheduling, and management.

Experience:

PNC MORTGAGE

SR Loan PROCESSOER 04/14 Now

Job Profile

FHA, VA Streamline,Harp CD Home Equity

•Processes, analyzes and verifies submitted individual credit and income documents to ensure that varied and complex residential loan applications are complete. Responsible for specialty segments or programs.

•Manages customer experience throughout the origination process. Ensures compliance with established policies and procedures. Partners with internal and/or external partners to route communications, documents or other action items to complete transactions. Identifies and may resolve exceptions; escalates appropriately.

•Manages the review and processing of residential loan information of varying complexity, including loan applications and credit documents. Prepares and forwards documents to appropriate parties.

•Verifies all required borrower documents are collected and acceptable under the company's policies and procedures. Ensures these documents have been received.

•Provides responses and documentation for inquiries and ad hoc requests. Completes research and provides feedback on workflow and work received. Recommends and coaches team members on best practices. May participate in projects and initiatives

ROBERT HALF TEMPORARY(Peoples Bank) 10/2014 -05/2015

Loan Operations Coordinator

•Processing all and residential loans for closing.

•Preparing loan documents for residential mortgage and commercial loans for a small community bank.

•Ordering all due diligence for loan files including appraisals, flood certifications, title commitments, VOE, VOD, tax transcripts and credit reports.

•Reviewing title commitments for exceptions and removing any errors or inconsistencies.

•Preparing closing packages and closing figures for all new residential real estate and commercial loans.

•Preparing and closing renewal of all commercial loans in-house.

• Managing Construction portfolio, which consists of handling draws; maintaining budgets and balancing; and ordering and reviewing construction loan date downs and final policies

• Disbursing loan funds via check, wire or funds transfer

•Reviewing, clearing and reporting the exceptions for all loans.

•Assisting in reporting on trouble debt and corrective action plans for delinquent borrowers.

•Assisting in escrow analysis processing.

•Maintaining pipeline report.

•Monthly bill paying for all third party vendors used in the department.

•Completing quarterly and annual HMDA reporting.

•Assisting accounting with any discrepancies involving the loan department and the general ledger accounts.

• Created flow charts and procedures for the department.

• Assisting customers in payment processing and any loan issues.

IL SERVICE FEDERAL SAVINGS & LOAN 04/2014-10/2014

Loan Operations Coordinator

•Processing all commercial and residential loans for closing.

•Preparing loan documents for residential mortgage and commercial loans for a small community bank.

•Ordering all due diligence for loan files including appraisals, flood certifications, title commitments, VOE, VOD, tax transcripts and credit reports.

•Reviewing title commitments for exceptions and removing any errors or inconsistencies.

•Preparing closing packages and closing figures for all new residential real estate and commercial loans.

•Preparing and closing renewal of all commercial loans in-house.

• Managing Construction portfolio, which consists of handling draws; maintaining budgets and balancing; and ordering and reviewing construction loan date downs and final policies

• Disbursing loan funds via check, wire or funds transfer

•Reviewing, clearing and reporting the exceptions for all loans.

•Assisting in reporting on trouble debt and corrective action plans for delinquent borrowers.

•Assisting in escrow analysis processing.

•Maintaining pipeline report.

•Monthly bill paying for all third party vendors used in the department.

•Completing quarterly and annual HMDA reporting.

•Assisting accounting with any discrepancies involving the loan department and the general ledger accounts.

• Created flow charts and procedures for the department.

• Assisting customers in payment processing and any loan issues.

ROBERT HALF TEMPORARY (Chicago Methodist Church), 7/2013 – 9/2013

Closer

I prepared the note and the mortgage. I reviewed the HUD, ordered the payoff and prepared documentation and sent out the wires I reviewed and met all conditions. .

PHH Mortgage/Morgan Stanley, 2/2013 – 6/2013

Senior Loan Processor

.Responsible for managing the pre-decision credit work, income and asset assessment

.Review property documentation on designated loans to ensure that loans are in compliance with PHH standards, investor guidelines, and clearing conditions

.Identify and work through alternatives with underwriting for loans that fall outside of guidelines

.Translate underwriting guidelines with application of mitigating factors to ensure proper salability to investors

.Communicate and partner with the sales team if any issues or items may impact a credit decision

.Responsible for collaborating with internal departments

.Review low risk flags from data alerts to clear variances

.Monitor and communicate with 3rd party providers and troubleshoot any issues that my affect processing a loan to completion

.Processing a loan completion by preparing, obtaining and completing all necessary documentation and verification as needed to bring a loan to completion for final underwriting approval

.Update processing system with verified information and add appropriate conditions

.Meeting and sustaining established productivity and quality measurements and performing any special projects or duties as needed

J P Morgan Chase, 7/2008 – 1/2013

Senior Processor/Post Closer

.Reviewed and met all conditions

.Figured out debt ratio income and approved loans and cleared titles

.Verified information and input data into computer for potential borrowers

.Pre-qualified applicants and pulled closing documents which involved extensive customer service

.Managed the pipe line reports and closed an average an average of 30-40 files per month

.As a junior underwriter, I received credit files and made underwriter’s modifications

.Audited mortgage loan documents for accuracy, completeness and compliance with policies

.Utilized a checklist and reviewed HUD 1 to make sure all the fees were accurate and correct. I also did disbursement sheets for the closings.

.Utilized various systems to ensure accurate info was reflected on the system and loan closing documents and paperwork.

.Worked closely with the closing team and did the wires for the closing to the title companies.

Wells Fargo, Lombard, IL, 2/2009 – 5/2009

Prefunder (Contract)

.Processed FHA and VA Government Loans

.Assigned and delivered files to the underwriter’s assistant

.Ordered VOE and LPSP

G T Realty, 05/2008 – 12/2008

Closer

.Input data into computer and was a relief receptionist

.Ordered transfer stamps and inspections

.Handled utilities for properties that we handled

.Worked with the Sales Agents to set-up closings

Liberty Tax Service, 11/2007 – 4/2008

Tax Preparer/Receptionist (Seasonal)

.Prepared taxes and distributed tax return checks

.Answered phones and took detailed messages

.Clerical and administrative duties

.Customer service representative

Fremont Investment & Loan, 07/2002 – 10/2007

Senior Loan Processor

.Reviewed and met all conditions

.Figured out debt ratio income and approved loans and cleared titles

.Verified information and input data into computer for potential borrowers

.Pre-qualified applicants and pulled closing documents which involved extensive customer service

.Managed the pipe line reports and closed an average an average of 30-40 files per month

.As a junior underwriter, I received credit files and made underwriter’s modifications

Citi Financial Mortgage 2/2002 – 6/2002

Sr. Processor/Jr. Underwriters

.Reviewed and met all condition

.Figured out debt ratio income

.FHA/VA loans

.Cleared titles

.Approved loans

.Verified information and input data into computer for potential borrowers

.Pre-qualified applicants and pulled closing documents

Chicago Home Mortgage Corp, 1999 – 2002

Processor Supervisor/Loan Officer

.Processed and ordered all loan documents

.Met all conditions prior to closing

.Verified applicant’s information

.Input all data into computer

.Ordered titles and appraisals

.FHA loans

.Cleared titles and credit reports

.Wrote loan applications

.Processed conforming and non-conforming loans

.Sent loan applications to various lenders for approval

.I closed 25 to 30 loans per month

Delta Mortgage Corporation, 1999 – 1999

Processor Supervisor/Loan Officer

.Processed and ordered all loan documents

.Met all conditions prior to closing

.Verified applicants’ information

.Input all data into computer

.Ordered titles and appraisals

.Cleared titles and credit reports

.Wrote loan applications

.Processed conforming and non-conforming loans

.Sent loan applications to various lenders for approval

.I closed 25 to 30 loans per month

Dolphin Mortgage Corporation, 1997 – 1999

Processor

.Processed and ordered loan documents

.Verified the accuracy of applicants’ applications

.Input data into computer

Education:

Harlan High School in Chicago, Illinois

Business Skills:

Microsoft Office applications, Genesis 2000, Windows 95, Uniform 98 and 98 PowerPoint, E-Compass, GoldTrack, Cim Gold Point.

Word Perfect, Loan Quest, NTS System, Micro Word, Net Oxygen, and the Contour computer .



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