Loan Processor

MICHAEL KIRCHMANN II

Anaheim, CA *****

714-***-**** ******************@*****.***

PROFESSIONAL EXPERIENCE

APEX LENDING, SANTA ANA, CA. 2018 – 2019

SR. LOAN PROCESSOR

Broker and correspondent working a pipeline of 40+loans of purchase, refinance, and reverse loan types including;

FHA, VA, USDA, Conventional. Submit loans and work to funding. Using Point and many other programs to manage pipeline. Knowledge of TRID,RESPA,HMDA guidelines.

Packaged application and borrower documents for loan submission. Investors used were Flagstar bank, United wholesale Mortgage, Citadel, Wells Fargo, Sterns, Freedom Mortgage, Pacific Union, Homxpress, Finance of America Reverse, and AAG.

Ordered title and appraisals

AMERICAN ADVIS O RS GRO UP, ORAN GE, CA 2017 - 2018

SR. LOAN PRO CESS O R

Manage a pipeline of 45+loans working directly with clients on reverse mortgages.

Using Lend Force and Reverse Vision to process files.

Complied with FHA guidelines and qualify clients with residual income.

Work to get liens cleared, repairs completed, and gathered documents to gain approval.

GREENLIGHT LOANS, IRVINE,CA 2014 - 2017

SR. LOAN PROCESSOR

Process loans for refinance of Harp, FHA, VA, Conforming, and Jumbo loans.

Manage large pipeline of loans gathering documents and direct communication with borrowers.

Drawing own docs, sending out LE's, and CD's while staying TRID compliant.

GENPAC, IRVINE, CA 2013-2014

SR. LOAN PROCESSOR

Managed a client portfolio of HARP loans

Performed scrub of files with review of credit, title, appraisals, income, assets, and documents needed.

Completed tax transcript requests, VOE, VOD, Payoffs, and review of credit.

Ensure all disclosures were completed and returned in a timely manner.

Created and updated caseload activity logs, enabling management to see progress of loans.

CASH CALL, ANAHEIM, CA 2012 – 2013

SR. LOAN PROCESSOR

Took loans from application to funding working close with underwriters and loan officers.

Perform scrub of files with review of credit, title, appraisals, income, assets, and documents needed.

Completed tax transcript requests, VOE, VOD, Payoffs, and review of credit.

Ensure all disclosures were completed and returned in a timely manner.

Created and updated caseload activity logs, enabling management to see progress of loans.

Fast paced environment with loans funding within 20 days.

Worked on Conventional, Jumbo Multi-Family, FHA, and VA loans.

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BANK OF AMEREICA, BREA, CA 2001-2012

SR. LOAN PROCESSOR, CASE MANAGEMENT, CUSTOMER ADVOCATE

Customer satisfaction with fast and efficient care of each loan request.

Calculated income with review of paystubs, tax returns, and other income documentation.

Obtained credit authority to sign-off conditions required for loan approval to adhere with Fannie/Freddie.

Worked on Refinanced/Purchase loans and originated 2nd liens.

Some underwriting experience.

Worked on Conventional, Jumbo, and Multi-Family loans.

Adhere to RESPA and HMDA guidelines.

LICENSES

NMLS #128518

BRE #01966839

EDUCATION

Brea High School- Diploma

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