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Loan Microsoft Office

San Diego, California, United States
November 13, 2018

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Knowledgeable, business oriented and dedicated Business Professional with demonstrated success in mortgage, finance and banking industry. Proven expertise, strong ability to increase company profits, maximize department productivity and set the example for new candidates with the same ambition as myself. My goal is to become a part of senior management team, where I can thrive and provide strong leadership.

Professional Experience

Veterans First Mortgage – San Diego, CA

Sr. Loan Processor June 2018 – October 2018

Review all documents thoroughly before underwriting loan submission, obtain documents for acceptability. against underwriting conditions, coordinate with loan officer to meet underwriting final loan decision.

Perform income, property and asset analysis to ensure loan quality to meet VA lending guidelines.

Request all VA Portal task, address satisfy any VA eligibility or restoration requirements.

Examine credit bureau reports, tax transcripts title, escrow and appraisals reports.

Pinpoint discrepancies in acquired loan supporting borrower and servicer documents.

Fulfill TRID guidelines, coordinate with capital markets and address any outside loan tolerance charges.

MUFG Union Bank, N.A. – San Diego, CA

Sr. Loan Processor November 2015 – May 2017

Coordinate with Mortgage Consultant to gather required documents and review thoroughly obtain income credit decision to help qualify purchase or refinance transaction.

Review supporting income, assets, employment verification documentation and address any internal conditions or concerns with the underwriter.

Order credit supplements, title supplements, tax transcripts, review supporting documentation for accuracy and authentication.

Collaborate with title and escrow, request payoff demand’s statements, subordination, estimated closing disclosure, resolve inconsistencies.

Mission Federal Credit Union – San Diego, CA

Sr. Loan Processor (Contractor) February 2013 – November 2015

Ensure the timely and accuracy of loan package to meet Fannie Mae lending guidelines.

Coordinate with buyers, sellers, title companies, escrow agents, surveyors and real estate agents to obtain additional documentation for final review for closing.

Validate member supporting credit, income, assets, property documents, address internal processing conditions, correct document inconsistencies to obtain DU approval.

Issued proper TRID disclosures in the event of a change of circumstance.

Respond, notate member follow ups, provide assigned loan officer loan approval and closing status.

JP Morgan Chase – San Diego, CA

Loss Mitigation Underwriter July 2009 – February 2013

Help determine the best possible loan workout solution for all loans with less risk to the lender and borrowers.

Analyze borrowers’ financial statements, hardship letter, tax returns, bank statements, pay stubs, profit & loss statement for HUD, MHA/HAMP and HARP.

Calculate modification principal balance capitalization for approved retention options, considering past due interest and escrow advances.

Document stipulated repayment terms to ensure agreements can be monitored and back in good standings status.

First NLC Financial Services – Orange, CA

Sr. Loan Processor February 2004 – December 2008

Review executed loan packages for accuracy and to ensure compliance with government regulatory and lending requirements.

Analyze client’s financial data, request for verifications from 3rd party vendor to in ensure accuracy

Review income, assets and title history, advise on any discrepancy, notify lending team of missing, incorrect items requiring action from underwriting.

Submit the final loan package to loan operations for funding and boarding.

Respond to routine customer inquiries.


San Diego Continuing Education School May 2014 – August 2014

Certification: Cisco IT Essentials (A+) / (N+)

Microsoft Office; Word, Excel, Outlook, PowerPoint, Access, Media Player, Windows XP, LAN/WAN administration

DeVry University – Long Beach, CA January 2004 – June 2008

Bachelor of Arts, Business Management and Fundamentals

Montgomery College – Germantown, MD November 1998 – May 2000

Associates of Arts, Business Administration

Gaithersburg High School – Gaithersburg, MD September 1998 – May 2000

Diploma, General Studies


6 months Top Producer – MUFG Union Bank N.A.

Strive for Five Award Winner – MUFG Union Bank N.A.

Closing loans within 22 days – MUFG Union Bank N.A.

$40 Million in closed loans – Mission Federal Credit Union

Top Loan Processor Award – First NLC Financial

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