Customer Service Loan

Chad Rodriguez

WESTBURY, NY ***** ************@*******.*** 516-***-****

PROFILE

An industry-recognized senior loan processor with success in all areas of creating/adapting concepts and strategies that transform into revenue streams by applying strong analytical, organizational and interpersonal skills. Possesses exceptional communication (oral, written, platform) skills, which has effectively closed 20-30 loans monthly.

AREAS OF COMPETENCY

Manages multiple priorities, work independently and work under time deadlines

Gathers information/ documents and takes each file from initial intake to and pre-approval to closing

Provides excellent customer service by effectively communicating and cooperating with all internal and external parties

Monitors and ensures closing dates and company deadlines are met by communicating accordingly with loan officers, buyers, sellers, title companies, builders and realtors

Handles extensive pipeline on a daily basis, covers co-workers’ pipelines on a regular basis, and maintains expedient, proficient and timely issuance of processing docs to loan officers and attorneys

Overseeing final GFE and scheduling closing time with attorney, lender, title closer and borrower

Employment

A+ Credit Services May 2018-Present

Senior Loan Processor

Process residential mortgage loans (FHA, VA, Conventional, purchase, refinance) under various programs in a quality consistent with all company policies and procedures

Registered loans on the origination system and maintains system accuracy and issue proper TRID disclosures as required by federal regulatory compliance

Franklin First Financial January 2017- April 2018

Senior Loan Processor

Critiqued application information to request specific supporting documentation needed/ required based on loan investor guidelines and submit loan applications for underwriting approval

Structured Conventional and FHA loans by FANNIE/FREDDIE guidelines for underwriting and processing based on credit, LTV/CLTV, and product programs

Validated automated underwriting system (DU/LP), ensured file meets minimum documentation/ product guidelines, and reviewed & collected underwriter conditions and submit conditions for underwriting clearance

Intercontinental Capital Group June 2016-January 2017

Senior Loan Processor

Process residential mortgage loans (FHA, VA, Conventional, purchase, refinance) under various programs in a quality consistent with all company policies and procedures

Prepped & issued loan estimate and closing disclosure to borrower for compliance review

Examined disclosures for mortgage compliance and regulations including RESPA, TRID, HMDA, ECOA and Fair Lending

Vanguard Funding LLC March 2015-May 2016

Senior Loan Processor

Evaluated structure of conforming and non-conforming file for adherence with lender and government guidelines

Analyzed and calculated income from the paystubs, W2s, 1099s and personal/business tax returns

Verified loans documents including credit, appraisal and title prior to preparing file for submission to underwriting

A+ Credit Services October 2007-March 2015

Senior Loan Processor

Prepared & processed retail mortgage loans (conventional and government purchases and refinances) under various loan programs for closing

Addressed all problems and questions from loan officers, third parties, and management by resolving any issues carefully and expeditiously

Ordered, examined & cleared titles with title companies to set up a closing date

American Home Mortgage June 2006-September 2007

Senior Loan Processor

Registered loans on the origination system and maintains system accuracy and issue proper TRID disclosures as required by federal regulatory compliance

Investigated & resolved all outstanding conditions on lender and investor approval

Requested and updated insurance and payoffs of mortgages and liens

Chase Home Finance, Inc. September 2002-June 20006

Senior Loan Processor

Registered new loan applications and calculating Good Faith Estimates

Reviewed rate lock and point objectives for precision and potential problems and insures overage and underage is approved as well as waiver of any fees or discounts applied

Attaining mortgage schedules and full record searches for CEM/COOP

Computer Skills

Loan Status Tracker, PACS, Citrix-Unifi, Calyx, Encompass

Education

Stony Brook University - December 2001

B.A. Economics (Honors) & Sociology (Honors) Minor: Business Management (Honors)

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