Microsoft Office Mortgage

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Michael Tallian, NMLS ID#*******

**** **** ****** ***** #***, Rancho Cucamonga 909-***-**** ********@*****.*** Summary of Skills

** **** ***** ** ********** in the mortgage loan industry

Multitasking

Thrives in a high volume, deadline environment

Detailed oriented

Microsoft Office including; Word, Excel, Visual Basic & Access

CMAC

Basic ASP.Net

AS4000

NetOxygen

FISERV

Qualifications Springboard Solutions 2015- 2018

Loan Processor

Processed defaulted FHA, GSE, and Non-GSE mortgage loans for HAMP and Non-HAMP on the behalf of Bank of America

Calculated and validated monthly household DTI ratio

Reviewed the borrower’s most recent tax documents to ensure that the submitted documents matched the borrower’s RMA

Verified that all forms were submitted in accordance to the FHA, GSE or Non-GSE guidelines

Analyzed and reviewed credit reports, title reports, tax transcripts, assets and property valuations

Achievements: Received 4.92/5 per the 2017 Employee Performance Review. Highlights include exceeding goals for monthly kickback ratio and processing completed files within company policies.

CU Direct 2014 – 2014

Loan Processor

Processed 800 plus student loan applications monthly for 200 plus credit unions.

Calculated borrower’s income by analyzing current income and tax returns

Calculated debt income utilizing credit reports

Reviewed LOEs regarding differences of income

Communicated with CU management on any discrepancies Page 2

Carrington Mortgage 2013 – 2014

Loan Processor/UW

Verified borrowers through SAM and FHA databases

Processed defaulted FHA, GSE, and Non-GSE mortgage loans for HAMP and Non-HAMP loans

Reviewed the borrower’s most recent tax documents to ensure that the submitted documents matched the borrower’s RMA

Analyzed and reviewed credit reports, title reports, tax transcripts, assets and property valuations

Obtained VA case numbers and certificates of eligibility FHA Underwriter

Calculated and validated monthly household DTI ratio

Reviewed the borrower’s most recent tax documents to ensure that the submitted documents matched the borrower’s RMA

Verified that all forms were submitted in accordance to the FHA, GSE or Non-GSE guidelines

Verified that all leans have been satisfied

Validated insurance policy

Achievements: Assisted as a Quality Control Underwriter for other team members. These included a review of their underwriting assumptions, accuracy on monthly income, debt data and verify that the client FHA underwriter’s protocol was followed.

Opus Bank 2012 – 2012

Sr. Loan Servicing Rep.

Validated documents from current, acquired and merged portfolio’s

Balanced the portfolio GLs

Communicated with investors regarding participation loans

Provided weekly and monthly written reports to management

Office 2007, MS Access Database

Additional Achievements

Boarded approximately 15,000+ loans totaling $3.2 billion a month.

Identified duplicated boarded loans that saved $3M in possible lost funds.

Supported AS400 upgrades, a new origination system Education/Certificates

B.S. Information Systems 2009

University of Redlands

NMLS Cert 20 Hour Course 2018

NMLS Cert CA 2 Hour Course 2018

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