ANTHONY SHAKER

mobile: 323-***-**** / email: ac8n7k@r.postjobfree.com

OBJECTIVE

Long term, career position in a team oriented corporate environment. Open to new paths in the Financial Sector and/or Mortgage Loan Industry. Seeking a position with a growing firm and the ability to excel utilizing my skills are most desirable.

PROFESSIONAL EXPERIENCE

Vision One Mortgage/United Finance Corp - Tustin, CA Oct 2017 – Dec 2018 Loan Processor/Disclosure Desk Manager/Doc Drawer Back Up

• Reviewed files upfront for initial credit decision, gathered loan documents from agents and borrowers to ensure that all loan documentation was complete, accurate, verified and complied with company and investor policies. Performed a thorough review and analysis of borrower's credit report, employment, income, bankruptcy papers, divorce decree and other documents to ensure loan met agency guidelines for submission.

• Responsible for closing of loans, processed document production and funding within expected time lines that loan conditions are met, as required throughout each phase of the loan process. Assisted and communicated, directly, with loan agents, borrowers, escrow/title and internal staff on questions or concerns regarding loans.

• Review and process loan submissions for accuracy to comply with TRID for initial disclosures, re-disclosures and locked LEs.

• Prepare files via Point/Doc-magic for initial disclosures, re-disclosures and send to the borrowers for e-signatures.

• Follow up with LOs, Loan Processor for disclosure status to ensure borrower/s consent, e-signature is accurate and provide missing signed items.

• Review and clear conditions for signed initial disclosures, re-disclosures and initial CDs for accuracy to meet TRID rules and compliance.

• Assist with drawing documents as a back up doc drawer when necessary to aid doc department in not falling behind and ensure all documents are completed on time.

Banc One Mortgage Corporation - Orange, CA Apr 2015 - Oct 2017 Junior Underwriter/Processing Manager

• Assisted the UW in daily underwriting and processing tasks, pre- qualifications, calculated income, reviewed all documentation and submissions for loan approvals from initial application to funding.

• Reviewed files upfront for initial credit decision, gathered loan documents from agents and borrowers to ensure that all loan documentation was complete, accurate, verified and complied with company and investor policies.

• Performed a thorough review and analysis of borrower's credit report, employment, income (such as personal & business tax returns: 1040s, schedule C,1120s/K1s, 1065/K1s), SSI, pension/retirement and assets), bankruptcy papers, divorce decree and other documents to ensure loan met agency guidelines for submission with DU/LP for potential client, in order to ensure qualification under investor guidelines prior to submitting loan to UW.

• Structured and assisted loan agents with pre-qualifications of their loans according to loan programs, met the borrower’s specific needs and guidelines for FHA, conventional, Alt QM-12 months bank statement program for purchase and refinance loans.

• Prepared full submission file for initial disclosures and approval, opened title/escrow, ordered appraisal, transcripts, VOE, VOD and payoff demands.

• Sent UW loan approval conditions to loan agents, escrow and internal. Communicated and followed up regularly with team members to ensure all prior to documents and prior to funding conditions were met, satisfied and fulfilled accordingly within a timely manner between all parties, prior to UW review of the conditions.

• Responsible for closing of loans, processed document production and funding within expected time lines that loan conditions are met, as required throughout each phase of the loan process. Assisted and communicated, directly, with loan agents, borrowers, escrow/title and internal staff on questions or concerns regarding loans.

Royal Estate Properties -Tarzana, CA Apr 2013 - Apr 2015 Loan Processor/Transaction Coordinator

• Reviewed new loan application requests to ensure that all required forms had been provided by the borrower.

• Prepared and sent out regulatory compliance disclosure material and completed research of verifications.

• Reviewed loan packages and submitted them to Underwriting for approval.

• Maintained and communicated the status of loans to each principle party involved.

• Contacted title and escrow companies to place orders, coordinated closings and coordinated with third-party appraisers for verification of value and appraisals.

• Maintained file to ensure the mandatory disclosures were completed and sent for the client's review and approval.

• Ensured all initials, signatures and dates had been noted before filing documents.

PennyMac Private National Acceptance Company, LLC

(Correspondent Lending Group), Moorpark, CA Oct 2011 – May 2012 Loan Purchase Review Auditor

• Ensured information and all conditions indicated by loan purchaser were valid, accurate and fully explained.

• Completed thorough and accurate audit review of mortgage documentation and data within turn time requirements along with an acceptable deficiency rate to ensure compliance with government regulations, closing conditions, escrow and HUD-1 calculations.

• Ensured collateral and data integrity, documentation accuracy and receipt, timely sale and funding to the investor in accordance with company lending policies, government regulatory requirements, investor procedures and guidelines.

• Responsible for dealing with and resolving any issues on assigned audit files.

• Ability to assess an AUS, income documentation and asset documentation. Bank of America Home Loans Feb 2009 – Oct 2011

(formerly Countrywide CLD), Westlake Village, CA

MLO Loan Service Specialist/Suspense Coordinator

• Ensured information and all conditions indicated by loan purchaser were valid, accurate and fully explained.

• Completed suspension reviews within turn time requirements and with an acceptable deficiency rate.

• Provided feedback and trends regarding lender to Team Manager.

• Established and maintained relationship with assigned lenders by delivering excellent customer service.

• Responsible for dealing with and resolving any issues on assigned suspense files.

• Reviewed loans for invalid and clearable suspensions for assigned lenders.

• Provided support to Title Department by reviewing Title Reviews.

• Specially selected to perform daily reviews of VA Loans.

• Provided daily team support when asked and needed as well as aid in running suspense numbers for entire team.

Explosion (Clothing boutique) - Los Angeles, CA Apr 2007 – Dec 2008 Manager/Buyer

• Maintained daily and weekly sales quotas.

• Designed more attractive merchandise presentation strategies, created special marketing campaigns, resulting in increased store traffic and profits.

• Increased store inventory and expanded merchandise purchases.

• Responsibilities included purchasing, merchandising, customer service, creating staff schedules, hiring and training, daily cash deposits and inventory control.

White House Financial Services - Woodland Hills, CA Oct 2004 – Apr 2007 Loan Processor/ Loan Consultant

• Responsible for closing deals, processing document production, funding, and training of newly employed staff members.

• Processed up to 25 loans per month, opening escrows & titles and ordering appraisals, as well as hazard insurance.

• Searched for lenders & programs to meet the borrower’s specific needs.

• Ensured all required documents are available and completed prior to funding.

• Completed processing of employee loans from start to finish.

• Maintained current knowledge with changing market needs.

• Reviewed new prospect clients for collateral, document services, appraisal reviews, and compliance needs.

• Utilized online underwriting with various lenders

• Submitted broker applications to lender

LANGUAGES

Fluency in English, Farsi, Dari, Hindi, Pashto

COMPUTER SKILLS

Word, Outlook, Prolender, Internet, Adobe Acrobat, PDF Editor, Calyx Point and Automated Underwriting Systems.

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