PROFESSIONAL SUMMARY

A highly qualified Loan Processor who experienced in loan documentation and processing residential real estate loans. Highly skillful at trouble shooting/problem resolution, proven ability to work in fast paced, deadline, challenging, changing environment. Excellent communications and interpersonal skills. Organize, detail, responsible, and goal oriented. A hard-working self-starter who is an active and involved team member.

TECHNICAL EXPERIENCE

Technical Skills: MS Office, Notepad, Composer, MS PowerPoint, Publishing, MS Word, LP/DU, MS Excel, Mortgage Loan Application Software, MS Outlook, MS Project, submits loan through Encompass, FNMA Interface, Citrix, Analyzed Loan Applications, Credit Reports, Property Appraisals, Prepared Commitment Letters, Memos, Credit Reports, DU/LP, LOS System, Pre-Underwrite Loan File, Upload Loan File Through Interface, Customer Service, Audit FNMA Loan Investigate Loan.

Processor Level III: Collect required documents. Review, calculate, validate. Request 3rd party document: escrow, title, appraisal, etc. Run LP/DU and submit to underwriter for review.

Underwriter: Review credit file to meet investor guideline. Audit and verify submitted documents for quality.

Doc Drawer: Prepare loan doc via Encompass, Point and Doc Magic Funder: Review funding condition, setup and request warehouse fund via FUEL with First Funding.

Post-Closing/Purchaser: Sale loan to investor – FBS and Wells Fargo, review and satisfy all purchase condition. Send collateral documents to investor.

PROFESSIONAL EXPERIENCE

SECURITY MORTGAGE FUNDING CORP. – ORANGE, CA JUNE 2016 - JUNE 2018

Senior Loan Processor / Account Executive

Process conventional, VA and FHA loans.

Review and validate information on loan application and run AUS.

Assist loan officers with loan scenarios questions to meet company Underwriting guidelines.

Work with all parties involved in transaction to insure loan closing on

Time and with minimal conditions and comply with all TRID rules.

Technologies: Upload and QC loan file through interface

DITECH FINANCIAL – COSTA MESA AUG 2015 – JUNE 2016

Senior Loan Processor

Process conventional, DURP and HARP loans.

Review and validate information on loan application and run AUS.

Work with TRID via 52 states.

Assist loan officers with loan scenarios questions to meet company

Underwriting guidelines.

Work with all parties involved in transaction to insure loan closing on

Time and with minimal conditions.

Technologies: Upload and QC loan file through interface

SECURITY MORTGAGE FUNDING CORP. – ORANGE, CA April 2004- AUG 2015

Senior Loan Processor

Process conventional and FHA loans.

Review and validate information on loan application and run AUS.

Run FHA connection to obtain case numbers, CAIVRS, and familiar with

Various function within HUD website for file processing.

Assist loan officers with loan scenarios questions to meet company

Underwriting guidelines.

Work with all parties involved in transaction to insure loan closing on

Time and with minimal conditions.

Technologies: Upload and QC loan file through interface

Q&A MORTGAGE COMPANY - Westminster, CA August 1999 – April 2004

Loans Processors/Branch Manager Assistance

Underwrote conventional and FNMA mortgage loans.

Analyzed loan applications, credit reports, property appraisals and various verifications to make an informed loan decision.

Processed real estate, 1st and 2nd T.D. mortgage home loans.

Did thorough checking of all documents and occurrences necessary to board a loan.

Reviewed commercial loan files, prepared and verified the accuracy and completeness of the loan documents.

Followed up on insurance for collateral.

Composed and prepared commitment letters, memos and credit reports.

Flood check and Dunn & Bradstreet reports.

Responsible for each loan being processed from start to the time it’s ready for boarding.

Typed escrow instructions and set up files for escrow orders.

Opened orders of Preliminary Title Reports.

Prepared Subordination Agreements and followed up in checking on the requirements of lenders.

Balanced closing statements (Hud1) of Borrowers and Sellers.

Organized and composed letters and forms for demands, taxes-paid letters.

Kept updated checklist for escrow papers, demand updates.

Handled heavy phone contacts with customers, agents, title officers, and lenders.

Technologies: Analyzed Loan Applications, Credit Reports, Property Appraisals, Prepared Commitment Letters, Memos, Credit Reports, Customer Service

EDUCATION

Network Administrator Assistance

Anaheim, CA, 1999 – 2001

Golden West Community College

Huntington Beach, CA, 1996 – 1999

Bolsa Grande High School

Garden Grove, CA, 1992 – 1996

Contact this candidate