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Loan Processor

Location:
Rowland Heights, CA
Posted:
March 07, 2019

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Resume:

Lisette Guillen

**** ****** **. #*, ** Habra, CA 90631

Email: ac8pmx@r.postjobfree.com

Cell: 562-***-****

Objective: Seeking opportunities for growth and advancement with well - established company.

Skills: Work well under management supervision and meeting deadlines. I am a team player who works well with others. Willing to learn and open to new ideas. Over 13 yrs in mortgage industry. Knowledge in A paper, Sub prime, FHA, VA, Chafa, Jumbo and Conventional loans. Knowledge of all GFE changes and requirements. Work with Empower, Gallagher, Net Ox, CalyxPoint, Lexxis, Outlook, Excel, Word, Lotus Notes, Adobe, Power Point, DU, Access and Doc Magic, leads 360, Intrack and Datatrack. I have great communication/organization skills, team player, like to help others along with great customer service. Bilingual English/Spanish.

Experience:

Amerihome Mortgage Company

1/2018 – 11/1/2018

Maintain great customer service between client and loan officer

Manage a pipeline of 40+ files

Completed welcome call within 24 hrs.

Submit files to underwriting for approval in a timely manner

Collect and review all PTD and PTF conditions from both borrower and escrow

Compete all screens needed to Order CD’s

Ordered 1004d’s, escrow items, VOE’s, SSA validations

Made sure there was no new debt or inquiries on LQ

Submitted back to underwriting once file was ready for CTC

Lenox Home Loans

3/21/2016 – 1/2018

Maintain great costumer service between client and loan officer

Manage a pipeline of 40+ files

Submit files to underwriting for approval in a timely manner

Collect and review all PTD and PTF conditions from both borrower and escrow

Open escrow and title

Compete all screens needed to Order CD’s

Order appraisals, 1004d’s, escrow items, VOE’s, 4506T transcripts, SSA validations

Request docs and complete doc order once file has been CTC’d

Stearns

Retail Sr. Loan Processor

6/15/2015 – 1/28/2016

Manage a pipeline of 40 + files

New builder, purchase and refi

Maintain great customer service between client and loan officer

Submit files to underwriting for approval in a timely manner

Collect and review all PTD and PTF conditions from both borrower and escrow

Order appraisals, 1004d’s, escrow items, VOE’s, 4506T transcripts, SSA validations

Request docs and compete doc order once file has been CTC’d

Schools First Federal Credit Union

6/2011 – 5/2015

Processor

Maintain a pipeline of 50-90 refinance files

Maintain a pipeline of 20-30 purchase file (currently on purchase team)

Review purchase contract for missing signatures, items requested, fees being paid by seller, credits or missing addendums

Request estimate hud 1 and review once received to make sure all fees, credits, payoffs, cash to close/cash back, and break down of GFE and HUD-1 sections are correct and match.

Receive approved file and call out for items needed

Request any VOE's or 4506T validations

Request VOD’s from our system if needed

Maintain weekly Member and agent status

Re-disclose when needed

Review appraisal for any repairs that need to be made, make sure appraisal matches loan info and prelim. Request corrections that need to be made if any.

Call Member with appraised value when received

Review preliminary report/ items need and sign off.

Prepare loans for closing and call out estimated HUD

Rework loan when needed

Recalculate income when needed

Make sure LTV and DTI are still within guidelines if any changes are made.

Lenders Direct

12/2010 – 6/2011

Processor

Review files to make sure they will qualify under guidelines.

Send welcome emails along with needs list to client.

Run DU and LP

Processed Conventional and FHA purchase and Refinance.

Maintain exceptional customer service

Maintain professional, ethical and courteous relationships with loan officers and clients

Work with clients/loan officers to provide alternative documentation effectively as

needed.

Process loan and submit to underwriting once all items needed are in.

Request needed conditions once file is approved. Open Title/Escrow, order appraisal, VOE etc.

Prep files for docs.

Priority Financial Group

11/2008 –12/2010

Processing Manager

Manage a pipeline of 140 files for loan modifications along with processing FHA, VA and

Conventional purchase and refinance loans.

Maintain great customer service

Made sure all processors worked on files in a timely manner

Managed process flow

Created checklist to help processing be more efficient

Worked on resolving any problem files.

Worked up financials and sent complete package to lenders

Worked directly with lenders for modification approvals

Maintain professional, ethical, and courteous relationship with clients

Helped with interviewing when needed and helped recruit new processors

Work with clients/agents to provide alternative documentation effectively as needed

Worked out rates for loan officers.

JP Morgan Chase

8/2003- 3/2008

Senior Account Manager II/ Loan Processor

Pipeline management with a 50-130 unit pipeline

Review and clear loan file conditions based on underwriting approval

Maintain professional, ethical, and courteous relationship with Account Executives and brokers.

Processed FHA and Conventional refinances and purchase loans.

Maintain comprehensive knowledge of Chase loan programs, procedures, lending

guidelines and technological resources.

Maintain a Time in Process of 10 days for overall pipeline

Lock rates

Issue final approvals

Assist as team lead when needed

Make good business decisions based on validation of conditions

Diligent of potential material misrepresentation

Communicate effectively with brokers, title companies and escrow companies regarding status of loan files.

Work with brokers to provide alternative documentation effectively as needed

Maintain great customer service

Review title reports to make sure there are no judgments, tax liens, mechanical liens,

Etc.

Integrity Financial

6/2000 – 8/2003

Sr. Loan Processor

Maintain professional, ethical, and courteous relationship with both external and internal customers.

Communicate effectively with loan officers, title companies and escrow company regarding the status of loan files.

Processed FHA, Conventional and VA loans from start to finish

Ordered appraisal reports, title reports, VOE, VOM, payoffs, etc.

Did all correspondent loans from locking, drawing docs, funding and wiring funds to treasury.

Worked out rates for loan officers

Packaged loan docs

Reviewed title reports to make sure there were no judgments, tax liens, mechanical liens, etc.

Calculate income, worked DTI, LTV ETC.

Professional references available upon request



Contact this candidate