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