Mortgage Funding
Resume:
EVELYN D. RAMIREZ
***** ***** *****, ******, ** *0745
**************@*****.***
SUMMARY
A seasoned Closer/Funder/Post Closer with over 12 years of retail and
wholesale experience in the mortgage industry and 3 years of experience in
closing of REO properties; with proven ability to interact and deliver
results in a fast-paced, deadline-driven / high production environment; an
adaptable, well-organized fast learner with strong demonstrated work ethic;
with proven track record of increasing productivity, streamlining workflow
and creating a team environment to increase efficiency.
PROFESSIONAL EXPERIENCE
KINECTA FEDERAL CREDIT UNION, El Segundo, CA
Senior Funder ~ January 2013 - February 2014
CASHCALL, INC., Anaheim, CA
Mortgage Funder ~ August 2012 - December 2012
Responsibilities
Reviewed loan documents for accuracy and compliance to State, Federal,
Company regulations for wet & dry loans
Reviewed Loan Approval, DU/LP, 1008, 1003, Credit Report, title and
Appraisal
Verified pricing of loan - rate, points, fees, APR state restrictions
Cleared prior to funding conditions and shipping, collateral or servicing
conditions
Balanced loans against estimate and final HUD-1 statements
Verified that all requirements of the loan process have been met prior to
wire of funds
Requested funding wire from warehouse bank
Prepared document package/s for the title company
EAST WEST BANK, El Monte, CA
Post Closer / Document Specialist ~ August 2011 - August 2012
Responsibilities:
Requested final title policies, recorded mortgage and other documents
needed for collateral files;
Prepared and reviewed collateral files for completeness and accuracy and
sent to Scanning Department;
Reviewed final HUD; contacted escrows closing agents for needed correction;
sent to Scanning Department;
Drawn loan documents and sent electronically to escrow / title companies /
closing attorneys.
Accomplishment:
.Speed up the process in loan funding by providing exemplary performance in
every work phase from doc drawing to post closing.
PRECISION ASSET MANAGEMENT, Torrance, CA
REO Closing Coordinator ~ 2010 - 2011
Responsibilities:
Monitored and resolved title issues from evictions to closings and all
aspects of contracts and closing of REO properties; provided status updates
of all properties under contract by following-up clear titles, deed
packages, HUD-1 and other pertinent documents necessary for prompt closing;
post-audited and exported closed loan files; critical contacts with
foreclosure attorneys, clients, title officers and closers, listing agents
and all internal staff; properly documented each step in the process
through system input.
Accomplishment:
. Increased productivity of monthly closing of REO property sales by prompt
follow-through on title curatives, foreclosure documents, proper
documentation of amendments/extensions of contract and submission of
closing documents
FIRST FEDERAL BANK OF CALIFORNIA/ONEWEST BANK, FSB, Los Angeles, CA
REO Specialist III ~ 2008 - 2010
Responsibilities:
Performed REO administration and asset review, escrow process, pre-closing
and post closing audit of REO properties; critical internal and external
customer contacts; properly documented/system update from property
assignment till closing through final audit.
Accomplishments:
. Cross-trained and quickly gained efficiency and dedication in all aspects
of REO administration and asset review and a back-up to any staff in the
department resulting to cost-cutting on additional staff and/or overtime
pay
. Performed all tasks required in compliance with company standards and
areas of customer satisfaction, speed and accuracy
BNC MORTGAGE, INC., Irvine, CA
Senior Funder ~ 2004 - 2007
Responsibilities:
Funded conventional loans in accordance with state and federal guidelines;
effectively interfaced with loan originators, title companies, closing
agents and all internal staff.
Accomplishments:
. Funded 99% of the pipeline with an average of 10-20 loans per day/250-500
loans per month
. Successfully trained new staff within the team which eliminated
additional cost for training new hires
. Recipient of "Excellent Performance Award" in March 2004 and a "Copey
Award" for outstanding performance in July 2006
INDYMAC BANK, FSB, Pasadena, CA
Funder II/Doc Drawer ~ 1997 - 2003 (Rose from the rank of Operations
Specialist)
Responsibilities:
Drawn loan documents in compliance with federal, state, investor/agency
guidelines. Reviewed closing documents, signed off conditions, executed
and coordinated wires and authorized final funding of Fannie Mae, Freddie
Mac, FHA, and Home Equity Line of Credit (HELOC) and Closed Loans to be
sold at secondary market.
Accomplishments:
. Prepared accurate closing documents, funded, researched and resolved
discrepancies to attain best possible marketability of funded loans
. Provided an exemplary customer critical contacts in a timely and
responsive manner
. Recipient of a five-year "Outstanding Service Award" in September 2002
EDUCATION
Bachelor of Science in Education, University of the City of Manila,
Philippines
Certificate Courses in Bookkeeping & Accounting, Los Angeles City College,
Los Angeles, CA
COMPUTER SKILLS
Microsoft Office: Word, Excel, Outlook
Mortgage Company Software: Focus, E-mits, DocMagic, Empower, FiServe,
MortgageServe, Destiny LOS, Simytar, Fidelity/LPS, LIFT, ResNet and other
company loan processing systems
Warehouse bank website: Wells Fargo, Credit Suisse, Cooper River, Texas
Bank, USB/Homeward
Contact this candidate