Customer Service Manager

M A R I C E L B. EXLEY

** **** **** **** *********: 714-***-****

Irvine, CA 92604 Fax: 949-***-****

E-mail: *******@*****.*** Cellular: 714-***-****

To Whom It May Concern:

Attached for your consideration is a brief overview of my background and

qualifications.

As reflected in my resume I have extensive experience in Loan Processing. I am on my

13th year processing and currently seeking a position in which utilize and further

develop my acquired skills, while assisting in the achievement of company goals.

If you have need of an enthusiastic individual with my professional training and

experience, I would greatly appreciate the opportunity to discuss my qualifications with

you in more depth.

To arrange a personal interview, you may contact me at the above address. Or, if you

prefer, you may call me at 714-***-****.

Thank you for your time and consideration.

Sincerely,

Maricel B. Exley

M A R I C E L B. EXLEY

27 West Yale Loop Telephone: 714-***-****

Irvine, CA 92604 Fax: 949-***-****

E-mail: *******@*****.*** Cellular: 714-***-****

SUMMARY OF QUALIFICATIONS

• A combination of practical experience and specialized training resulting in an excellent qualification in loan processing

•Strong working knowledge of current Conventional and FHA/VA/HARP product guidelines

•Strong understanding of 2010 GFE, TIL and RESPA rules

•Ability to review and analyze property valuations, assets and credit reports

•Excellent interpersonal & excellent verbal and written communication skills

•Ability to work under pressure from multiple projects and deadlines

•Ability to effectively prioritize workload and manage changes in direction

•Ability to fund 30+ loans per month

•Well-developed ability to manage multiple tasks/projects and deadlines simultaneously. Team player and can work effectively with loan officers, underwriters, closers and field personnel

•Computer knowledge: Windows Vista & XP, Microsoft Office, Adobe Acrobat, Web and Internet

• LOS System knowledge: Calyx Point, Empower, Encompass, CHLOE, CRM, Eclipse

• AUS System Knowledge: DO/DU (Fannie Mae), LP (Freddie Mac), MI, Assetwise, Clout, Zippy, E-Magic,conforming/non-conforming & jumbo products

• Bank Submission Experience: AMTrust, Chase, CitiMortgage, Bank of America, Flagstar, GMAC, HSBC,IndyMac, Suntrust, Wells Fargo, Quicken Home Loans and American Financial Resources

PROFESSIONAL BACKGROUND

Closing Coordinator/Senior Loan Processor – Greenlight Loans/Nationstar Mortgage

Irvine, CA (July 2013 – March 2014)

Direct Consumer Mortgage Lender built in 2001. Company was bought by Nationstar Mortgage in 2013. Responsible for receiving new loan submissions and coordinating the closing of the loan within a specified time frame. The daily functions include but are not limited to, verifying borrower’s information, verifying loan rates, and collecting all necessary data. Makes introductory call to borrower upon receiving the loan file and continues

communication throughout the process of the loan. Verifies with borrower accuracy of all information entered into Mortgage Online system (MOL) and Dashboard when required. Verifies receipt of welcome kits, preliminary loan disclosures and application. Verifies and documents all AUS requirements and resubmits. Submits loan files to the Underwriting Department and clears all underwriting conditions. Reviews with borrower estimated final HUD-1 and confirms loan transaction detail. Prepares and sends out loan closing documents to closing agent in a timely manner to coincide with scheduled signing date. Prepares and submits loan file to funding department and clears all funding conditions. Handles all FHA including FHA streamline product,HARP, & Open Access product,Conforming and jumbo loans.

Senior Mortgage Specialist/Senior Loan Processor – Green Tree Servicing/GMAC Mortgage

Tustin, CA (April 2012 – July 2013)

Follow the loan processing and underwriting methods established for adherence to company’s HARP& FHA policies and procedures and documentation requirements. Calculates and verifies member’s income, assets and liabilities. Verifies member’s creditworthiness and ability to repay loan. Documents loans to ensure compliance with regulatory and legal requirements and in accordance to the program qualification. Act as liaison with members, real estate agents/brokers, builders/developers, title companies, Investors, loan counselors/management and co-workers to facilitate a prompt, efficient closing of each loan. Reviews documentation to ensure it corresponds correctly with loan application requirements. Reviews and inputs member information into FNMA DU decision with accuracy and accountability. Manages individual pipeline of 100 or more HARP and FHA loans to ensure timely turn time. Best processor with the highest funding ratio within the originating team company. Brokered loans to Flagstar, American Financial Resources and Quicken Home Loans. Using Encompass LOS program.

Senior Account Manager– InHouse Lender.com /HMAC

Santa Ana, CA (November 2011 – March 2012)

Provides quality loan processing for 40 mortgage brokers, reviewing files for adherence to underwriting standardsand ensuring completeness of submission. Contact brokers to collect necessary documentation for loan processing. Processes mortgage loans according to established timelines, Standard Process Flow, regulations and procedures. Provide excellent customer service towards the broker channel and the investor channel. Responsible in completing the files from initial set up to funding. Carries over 40 loans a month and around 20 loans of funding. Using Calyx Point and Prolender program. Brokered to Pacific Union Financial, GMAC, Wells Fargo Bank, etc.

Senior Loan Processor – Loan Depot.com,LLC.

Foothill Ranch, CA (April 2011 – November 2011)

Provides quality loan processing for mortgage 40 mortgage bankers, reviewing files for adherence to underwriting standards and ensuring completeness of submission. Contact borrower and/or mortgage consultant to collect necessary documentation for loan processing. Processes mortgage loans according to established timelines, Standard Process Flow, regulations and procedures. Ensure file meets minimum documentation/product guidelines. Perform welcome call to customers. Review credit, income, assets,

disclosures, order title, MI and appraisal, if applicable. Complete required checklists/worksheets. Obtain additional documentation needed from all sources, while notifying the Mortgage Consultant via Empower of items missing. Communicate, prepare and mail out commitment letter, notice of incompleteness or declination. Review title requirements, exceptions, and other information obtained for accuracy, completeness, and conformance. Review & collect underwriter conditions and submit conditions to underwriting for final approval. Review loan system and documentation in file returning to underwriting, if applicable. Upon receipt of final approval, prepare authorization to close and send to all parties. Review and respond to exception reports, internal and external audits, as required.

Senior Loan Processor – Amerisave Mortgage Corporation

Atlanta, GA (December 2007- April 2011)

Paperless company serving 49 states. Reviewing residential loan application file and documentation verifying that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, title, escrow, hazard insurance, credit and title supplements, demands for payoffs, flood certification, and written verifications of employment. Orders and follows up on underwriting and funding conditions and calls or writes credit bureau and employer to verify accuracy of information. Correcting uniform loan application (1003) and underwriting worksheet (1008) forms to ensure consistency of information in the loan file. Typing loan application forms and calls specified companies to obtain property abstract, survey, and appraisal. Ordering and reviewing preliminary and final Closing Statement prior to doc signing and sets signing appointments with borrowers. Reviewing and submitting approved mortgage loan file to mortgage loan closer for settlement and obtains final funding conditions and submits loan file to funding.

EDUCATIONAL BACKGROUND

AB MassCommunication Graduate

Teller Training Academy Graduate

Bookkeeping/Accounting Graduate

REFERENCES: Available Upon Request

COMPENSATION:Negotiable

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