Customer Service Loan Processor
Resume:
Eartha Thomas
Katy, TX 77449
Phone: 516-***-****
E-mail: ************@*****.***
OBJECTIVE: My objective is to secure a position so I may give the quality customer service to
clients.
FIELD(S) OF SPECIALTY: - Senior Mortgage Loan Processor
SUMMARY:
History of success, achievement and dedication to excellence.
Proficiency to diagnose and the ability to identify and define the scope of a project while
effectively communicating solutions.
Willingness to take initiative
Possess the desire to work in a challenging and demanding work environment.
Result oriented with success at seeing projects through to completion.
PROFESSIONAL EXPERIENCE:
Bridgeview Mortgage Corp.
Senior Mortgage Loan Processor July/2013-Present
Current FHA, VA and Conventional front line experience processing purchases and
refinances is required for this position.
Pre-Underwrite loans prior to submission to achieve minimal conditions upon approval
Managing and processing to specific investor guidelines as expected a pipeline and
meeting closing deadlines in a correspondent/multiple investor lending environment.
Ability to analyze Tax Return and calculation of income for borrowers.
Experienced in Calyx Point or Encompass
Expertise in running AUS (DU, LP)
RMC Vanguard Mortgage Corporation
Senior Mortgage Loan Processor Aug/2012-June/2013
• Prepares mortgage loan file by reviewing loan application; clarifying or obtaining
additional information.
• Confirms mortgage loan application information by verifying information and/or
contacting verification sources.
• Identifies mortgage loan application and documentation problems by highlighting
deficiencies; works closely with mortgage loan underwriter and/or mortgage loan
supervisor.
• Keeps information accessible by sorting, organizing, and filing documents in an
electronic format.
• Maintains customer confidence by keeping mortgage loan information confidential.
• Updates job knowledge by participating in educational opportunities.
Citibank
Mortgage Loan Processor Nov/2010-April/2011
Review all documentation for newly booked extensions of credit for regulatory and
internal policy compliance.
Monitor and manage document deficiency process by review daily Made and Paid
reports.
Input new loans into DTSII document storage and retrieval system.
Liase with in-house and outside counsel to rectify document deficiencies.
Initial work on US portfolio with cross training to other portfolios.
Counsel field on correct usage of documents.
Bank of America
Mortgage Loan Processor Sept/2009-Jan/2010
Responsible for processing of loans approved by an Underwriter or automated
decisioning system.
Responsible for clearing conditions and issuing changes to the terms on previously
approved loans.
Verifying conditions of approval which may include customer income/assets
documentation.
Resolve routine title issues including, but not limited to vesting issues, child support liens,
judgment liens, mechanic liens and undisclosed liens.
Process subordination, resolves appraisal disputes.
Coordinate closing activities.
Maintain a high level of customer service by being proactive in communication with
customers, including banking center associates realtors, and etc.
The focal point of communication with customer and sales force in the closing process of
the loan.
JP Morgan Chase
Mortgage Loan Processor Dec/2008-June/2009
Process and prepare conventional and government, purchase and refinance retail
mortgage loans for closing.
Register loans on the origination system under various loan programs in accordance with
the policies and procedures.
Maintain system accuracy, issue proper disclosures as required by federal regulatory
compliance.
Review rate lock and point objectives for accuracy. Ensure overage and underage is
approved as well as waiver of any fees.
Order title, appraisal, insurance, flood and tax certificates and surveys, reviewing for
problems upon receipt.
Obtain and review documents for acceptability against loan conditions, with loan officer.
Coordinate with buyers, sellers, title companies, escrow agents, surveyors and real estate
agents to perform loan closings.
Refinance.com
Mortgage Loan Processor Jan/2007-Aug/2008
Guide the loan application through the mortgage process with speed and accuracy.
Work independently. Carry file from requesting open conditions through clearing to
closing.
Meet deadlines and multi-task on a daily basis.
Experienced FHA & Conventional mortgage loan processor.
Proficient in the use of FNMA Desktop underwriter and Freddie Mac Prospector
programs.
Extensive knowledge with Encompass, Contour and Calyx.
Confirms mortgage loan application information by faxing verification form, contacting
verification sources.
Obtains mortgage loan documentation by ordering credit report, land survey, appraisals,
title report and related information.
Refinance.com
Mortgage Sales Assistant April/2007-Dec/2008
Work side by side with the Mortgage Consultant team on the sales floor daily.
Prepare mortgage loan file by reviewing loan application.
Clarifying or obtaining additional information.
Entering information into all related information systems.
Verifying that documentation provided by the loan officer and borrower matches loan
application.
Lend America
Mortgage Loan Processor Sept/2005-April/2007
Expert in both conventional and FHA mortgage loan processing including FHA manual
underwrites and DU/LP.
As a mortgage processor I support one or more loan officers and serve as a contact point
for customers to resolve issues/difficulties across multiple departments.
Facilitate the application process by interfacing with customers and reviewing data with
loan officers.
Act as a liaison between loan officer, title companies, appraisal companies, builders and
realtors.
Coordinate submissions and closings to allow loan officers to concentrate on generating
new business.
Review complex files, identify potential problems with loan applications and arrive at
workable solutions prior to submission to underwriting.
EDUCATION:
Loan Underwriting/Processing
Champion School of Real Estate 2003
Business Administration
Suny Farmingdale (Pending)
Information Processing
1993 – 1994
Katharine Gibbs School
References available upon request.
Contact this candidate