Loan Manager
Resume:
JACQUELINE B. BRANDT
Tustin, CA 92782
Cell 760-***-****
E-mail – *************@*****.***
PROFESSIONAL EXPERIENCE
LoanDepot.com Irvine, CA
Sr. Loan Processor 11/2017 to 11/2018
Processing: Conventional, FHA, HARP Loans from application to Funding
Texas A6, Jumbo and 40YR I/O Programs
Contacting borrowers and completing full detailed application to upload to DU or LP Approval
Collecting documentation from borrowers - (income, assets, mortgage loan statements and Insurance declaration page.)
Preparing file for full submission to Underwriting
Scheduling signing appointments and drawing loan documents
Collecting all PTD and PTF conditions
Primary contact with borrower
Knowledge of TRID
Winnpointe Corp. dba Interactive Mortgage Orange, CA
Sr. Loan Processor / 4/2017 to 10/2017
Processing: Conventional, FHA, HARP Loans from application to Funding
Contacting borrowers and completing full detailed application to upload to DU or LP Approval
Collecting documentation from borrowers - (income, assets, mortgage loan statements and Insurance declaration page.)
Preparing file for full submission to Underwriting
Scheduling signing appointments and drawing loan documents
Collecting all PTD and PTF conditions
Primary contact with borrower
Knowledge of TRID
CashCall Mortgage Orange, CA
Sr. Loan Processor 9/2014 to 3/2017
Processing: Conventional, FHA, HARP and Texas Cash out Loans from application to Funding
Contacting borrowers and completing full detailed application to upload to DU or LP Approval
Collecting documentation from borrowers - (income, assets, mortgage loan statements and Insurance declaration page.)
Drawing Loan Documents
Preparing file for full submission to Underwriting
Scheduling signing appointments and drawing loan documents
Collecting all PTD and PTF conditions
Primary contact with borrower
Knowledge of TRID
Adecco Staffing Agency –SchoolsFirst FCU Tustin, CA
Sr. Loan Processor 11/2013 to 9/2014
• Processing: Conventional and Home Equity Lines of credit Loans
• Contacting borrowers and completing full detailed application to upload to DU or LP Approval.
• Collecting documentation from borrowers - (income, assets, mortgage loan statements and Insurance declaration page.)
• Ordering payoff demands, Subordination Agreements and any item needed to clear title and credit discrepancies.
• Collecting all PTD and PTF conditions and working with Closer to complete transaction
• Primary contact with borrower
Nationstar Mortgage dba Greenlight Loans Irvine, CA
Sr. Loan Processor 09/2012 to 09/2013
Processing: Conventional, FHA, HARP and Texas Cash out Loans from application to Funding
Contacting borrowers and completing full detailed application to upload to DU or LP Approval.
Collecting documentation from borrowers - (income, assets, mortgage loan statements and Insurance declaration page.)
Calculation of Income
Clearing Title of judgments and liens that do not belong on title
Ordering payoff demands, Subordination Agreements and any item needed to clear title and credit discrepancies.
Collecting all PTD and PTF conditions
Primary contact with borrower
JP Morgan Chase Lakewood, WA
Customer Assistance Specialist 08/2011 to 08/2012
Interviewing customers that are delinquent for possible Modification
Collecting documents for Modification
Submitting documents to Underwriting for approval of Modification
Monitoring temporary payments with borrowers once Modification is approved
Mediation with borrowers to prevent foreclosure
Attending events all over the country to educate borrowers on the modification process
Canon Recruiting – Bank of America Renton, WA
Home Loan Specialist (Loan Processor) 11/2010 to 1/2011
Process FHA and Conventional Refinance and Purchase Loans
Contacting borrowers and completing full detailed application to upload to DU for various Lenders.
Collecting documentation from borrowers - (income, assets, mortgage loan statements and Insurance declaration page.)
Calculating Income, reviewing credit report, title report, and appraisals for all loans for pre-qualifying purposes to run loan thru AUS (CLUES). Ordering all pertinent documents such as payoff demands, subordination agreements, credit supplements, title supplements, Social Security Verification, 4506T, and VOE’s to prepare file for submission for Final Underwriting.
Collecting all PTF and PTD conditions to order loan documents and prepare file for funding.
Intercap Lending Services Irvine, CA
Sr. Loan Processor 7/2010 to 10/2010
Process FHA and Conventional Refinance and Purchase Loans
Calculate new loan amount for FHA Streamline Refinances
Contacting borrowers and completing full detailed application to upload to DU for various Lenders.
Collecting documentation from borrowers - (income, assets, mortgage loan statements and Insurance declaration page.)
Calculating Income, reviewing credit report, title report, and appraisals for all loans for pre-qualifying purposes to run loan thru AUS (DU or LP).
Ordering all pertinent documents such as payoff demands, subordination agreements, credit supplements, title supplements, Social Security Verification, 4506T, and VOE’s to prepare file for submission for Final Underwriting.
Collecting all PTF and PTD conditions to order loan documents and prepare file for funding.
Accountemps – Alaska USA FCU Federal Way, WA
Closer/ Doc Drawer 1/2009 to 10/2009
Funding FHA, VA and Conventional Loans (Purchase & Refinances)
Reviewing executed loan documents for funding
Drawing loan documents and emailing to escrow or Notary Public for signing
Packaging signed and funded files to be shipped to Corporate office in Alaska
Training all new closers and closing assistants to draw loan documents
Follow up on trailing documents when file has been purchased by Investor
Corresponding with Closing Agents and Attorneys on Wet State Fundings
Quality Control Auditing for all Closed Loans prior to shipping to Corporate Office
Providing all conditions for Investor Purchase
Baker Capital Group Newport Beach, CA
Sr. Loan Processor 7/2006 to 10/2008
Contacting borrowers and completing full detailed application to upload to DU for various Lenders.
Collecting documentation from borrowers - (income, assets, mortgage loan statements and Insurance declaration page.)
Opening Escrow, Title, ordering payoff demands, change insurance Mortgagee Clause and Appraisals.
Funding loans on warehouse lines; drawing loan documents.
Mortgage Investors Group Irvine, CA
Funding/Doc Manger 4/2004 to 6/2006
Managing Staff of Eight (3 Sr. Funders, 3 Doc Drawers and 2 Funding Asst/Shippers
Implementing Policy and Procedures for Closing/Doc Department
Reviewing Executed Loan documents for Funding
Corresponding with Closing Agents and Attorneys on Wet State Fundings
Quality Control Auditing for all Closed Loans prior to shipping to Corporate Office
Training Closing Department Staff for additional offices in Phoenix and Sacramento
Funding $75 million plus consistently
Post Closing for Sale of loans to Countrywide, Chevy Chase, Green Point, SunTrust Mortgage and Impac
Assisting in the training of Broker Coordinators and Underwriting Assistants Drawing Loan Documents for all products
Saxon Mortgage, Inc. Foothill Ranch, CA
Account Manager 5/2003 to 3/2004
Working with outside Account Executive to provide good Customer Service to Brokers
Going over Company Matrices and Guidelines with Broker to obtain quality files for Approval
Helping Processor/Broker understand conditions set by In-house Underwriter to comply with Loan Approval
Going over declines with Processor/Broker and possibly restructure file to make it an Approved Saxon product.
Liaison between outside Account Executive and inside staff such as (Underwriters, Auditors and Closers) to complete Loan transaction.
Preparing file for Loan documents once all conditions have been met by Processor/Broker
E*Trade Financial Huntington Beach, CA
Sr. Loan Processor 7/2002 – 04/2003
Processing of Conventional Loans (1st, 2nd, HELOC’s, Refinances & Purchases)
Processing Loans for all 50 States (knowledge of Wet and Dry State Funding Procedures)
Pipeline ranging from 80 to 100 loans per month – with 90% Funding Ratio
Primary contact with borrower from pre-approval to Funding
Correspond with Escrow, Title, Attorneys and Appraisers to complete transactions
Verifying borrower’s qualifications for loan and submitting to Underwriting for Approval and Corresponding with borrower going over Estimated Closing Statement (HUD-1) and explaining any and all questions regarding loan transaction from beginning to end.
Drawing all loan documents and preparing file for Funding
Indy Mac Bank Irvine, CA
Sr. Loan Processor/Processing Supervisor 10/1999 – 6/2002
Supervising (9) Sr. Loan Processors and (7) Jr, Processors
Interviewing, hiring and training new Processors (Sr. & Jr.)
Responsible for reviewing completely Processed Loans for Underwriting and signing off files for Loan Documents to be drawn.
Getting Processors organized to Fund 60+ Loans per month
Liaison between Sales, Underwriting, Funding and Processing Staff
Reviewing Executed Loan documents for Funding
Corresponding with Closing Agents and Attorneys on Wet State Fundings
American Moneycor Funding/Funding Manager Santa Ana, CA, 3/1998 – 9/1999
United Pan Am Mortgage/ Sr. Loan Processor Orange, CA, 10/1996 – 2/1998
Ocean West Funding/ Sr. Funder Tustin, CA Aug 1992 – Sep 1996
Beneficial Mortgage/ Sr. Loan Officer Fullerton, CA Feb 1990 – Jul 1992
Transamerica Financial/ Sr. Loan Officer Carson, CA April 1989 – Feb 1990
Fireside Thrift & Loan / Asst. Sales Manager Westchester, CA Sep 1984 – March 1989
HARDWARE/SOFTWARE SKILLS
* Microsoft Office * Windows * Mortgageware *EDGE
* MS Word and Excel * Encompass * Digital Doc System *Statusmart
* AUS – DU & LP * Calyx Point 7.5 * Contour System * LoanQuest
* GFS – Gallagher * Doc Magic * Power Pak *Symitar
* Empower
References Available Upon Request
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