Loan Processor/ Underwriter

Christina Shannon

**** *** ******** (Oceanside, CA 92057 760-***-****

(*************@*****.***

Professional Profile

Underwriting Loan Processing Loan Administration Office Administration

Loan Compliance Income Analysis Credit Analysis Investor Guidelines

VA & FHA Loan Processing Policy Interpretation Customer Service &

follow-Up Credit Risk Procedures File Audits RESPA TIL Flood

Insurance GFE HUD-1

Analytical, accuracy-driven professional with extensive experience across

processing, underwriting, management and administrative functions within

demanding environments. Collaborative communicator continually focused on

strengthening relationships with account executives, loan officers,

underwriters, closers, and field personnel. Advanced expertise across MS

Office applications, Calyx Point, Datatrac, Desertdocs, Docmagic,

Encompass, Docusign, DU, LP.

Professional Experience

WELLS FARGO San Diego, CA

Underwriter II 2012-2014

Perform comprehensive analysis of variety of critical factors, including

employment profile, credit strength, and property characteristics to guide

decision process on each mortgage application. Input and maintain accuracy

of selected conditions, credit information, property details, and borrower

information. Verify supporting employment, down payment, appraisal, and

financial documentation. Review of GFE and HUD-1. Review of Home owners

insurance and flood insurance.

. Serve as lead liaison between loan officer, processor, and borrower to

resolve outstanding documentation

. Commended for quality file submissions with 0 QIS finding.

Loan Doc Specialist IV 2011-2012

Processed loans for HMCs, ordering VOEs, flood verification, condo project

approval, 4506Ts, appraisals and title. Collecting conditions from

borrowers and validating documentation provided. Ensuring complete package

was submitted to underwriting based on DU requirements. Entered

information into LIS and Core. Completed file audits and monitored any

changes to make sure the file stayed within the rules and guidelines for

RESPA/TIL. Reviewed GFE and HUD-1.Submitted files for change of

circumstance when required.

. Authority over final file audit before closing submission

. Certified Flood subject matter expert.

. Processed conventional loans and HARP loans.

STEWARD INVESTMENTS San Diego, CA

Senior Loan Processor 2011

Processed wholesale mortgage loans after receipt from underwriting.

Interfaced with brokers and processors for conditions, and uploaded

conditions into system. Ordered appraisal reviews, verifications, and

credit reports. Verified and requested corrections for Homeowners policies

and Flood insurance. Sent out RESPA disclosers and monitored files for

any changes to GFE and TIL requiring a RESPA/TIL change of circumstance.

. Secured critical doc orders from brokers after closing was cleared; drew

documents for delivery to title

. Processed conventional, FHA and VA

HOME SAVINGS OF AMERICA San Diego, CA

Senior Loan Coordinator 2010-2011

Coordinated files from receipt to closing, including review and submission

of condition to underwriting for final approval. Accurately entered all

pertinent information Ordered verified and update Homeowners policies and

flood insurance. Processed all initial RESPA disclosures and monitored

files for changes to GFE and HUD-1 that would require a change of

circumstance to make sure all files where in compliance with RESPA/TIL

regulations. Completed final file audit prior to the release of docs to

title.

. Seamlessly managed pipeline of 50 to 60 files

. Processed conventional, FHA and VA loans

Christina Shannon

5119 Via Mindanao (Oceanside, CA 92057 760-***-****

(*************@*****.***

iFREEDOM DIRECT San Diego, CA

Loan Processor/Loan Officer Assistant 2010

Processed loans in accordance with company policy, VA guidelines and FHA

standards. Executed administrative support tasks, including front-desk

reception, documentation maintenance, mail distribution and client

outreach. Verified accuracy of GFE and HUD-1. Ordered and updated Flood

insurance per company guidelines.

. Ensured timely, accurate ordering of flood certifications, VOEs, VODs,

title, appraisal, caviers, certificates of eligibility and CPL.

WILMINGTON FINANCE Henderson, NV

Supervising Broker Coordinator/Doc Drawer 2002-2009

Processed conventional/FHA loans for account executives. Supported brokers

on terms of loans through status checks and compliance of conditional loan

approvals. Requested corrections for appraisal, insurance, and title.

Sent out and verified receipt of RESPA disclosures.Completed change of

circumstance and verified receipt of updated disclosers and TIL. Completed

audits of GFE and TIL. Verified all Flood insurance policies met required

guidelines and submitted for any necessary corrections. Audited files prior

to docs for accuracy, completeness and compliance to all regulations and

guidelines.

. Mentored, trained and directed eight broker coordinators

Education & Certification

University of Phoenix, Business Administration and Management, 2013 - 2015

(expected)

Associate of Science, Business Administration, Palomar Community College

Paralegal Certification, Kelsey Jenny College

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