Mortgage Loan Processor, Mortgage Loan Underwriter

GELCYS FALCON

Miami, FL ***** ******.******@*****.***

305-***-**** linkedin.com/in/gelcysfalcon

PROFILE

Bilingual financial services professional with extensive experience in the banking and

mortgage industry. Recognized as an effective and motivational team player with a

consistent record of accomplishment in delivering positive results. Actively seeking

employment in financial industry which background encompasses experience in Due

Diligence, Forensic, Residential Underwriting, Mortgage Loan Processing, Credit Risk

Assessment, Quality Control Mortgage Analyst, Banking and Finance.

PROFESSIONAL EXPERIENCE:

ELEMENTS CAPITAL FUNDING, LLC., Coral Gables, FL

2014-8/2014

Sr. Mortgage Loan Processor

Gather information and take each file from pre-approval to closing. Input proper loan

information into the system for processing. Responsible for ensuring that all loan

documentation is complete, accurate, verified and complies with company policy. Verify

loan documents including income, credit, appraisal and title insurance ultimately

preparing application for submittal to underwriting. Review file documentation and make

sure all items needed are requested. Order and coordinate loan documents. Meet crucial

deadlines requested. Perform any additional duties/activities assigned by management.

Experience includes Foreign National as well as conforming and non-conforming loans.

CORELOGIC, INC., Sunrise,FL 2011-2014

Quality Control Mortgage Analyst

Performed FNMA Post Closing Quality Control Reviews on non-performing loans for risk

assessment, feasibility and capacity to repay, identified potential fraud and/or

misrepresentation of credit and property valuation.

Key contributor to team which made it possible for company to attain 1st place

vendor within top 10 available vendors in 18 months.

Reviewed approximately 2,000 new loans annually with outstanding quality

results between 95-98%.

Assisted in pre-legal loan evaluations for repurchases resulting in billions of

dollars returned back to the government.

Consistently produce quality loan portfolios generating sales in excess of $100

million.

RR DONNELLEY, Atlanta,GA 2009-2011

Forensic/Due Diligence Mortgage Auditor

Conducted FNMA Post Closing Mortgage Audit Reviews on non-performing loans for

eligibility, risk analysis, and identified potential fraud or misrepresentation of credit and/or

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linkedin.com/in/gelcysfalcon

property valuation.

Reviewed approximately 1,500 new loans annually.

Ensured for quality and quantity without errors.

LITTON LOAN SERVICING, McDonough,GA 2009

Sr. Foreclosure Mortgage Loan Counselor

Gathered mortgagor’s information for delinquencies, and financial analysis in order to

develop formal workout plans such as Repayment Plan Agreements, and Reinstatement

of Loans to avoid mortgage foreclosure.

Coordinated workout plans with foreclosure attorneys generating repayment

packages.

Counseled mortgagors on alternative programs when workout plans were not

viable options that could be used to avoid foreclosure such as pre-foreclosure

short sales or loan modifications.

PRIMERICA Financial Services, Miami Lakes, FL 2007-2008

Office Manager

Performed a variety of administrative duties and maintained and updated automated

records and tracking systems electronically for life policies and/or security accounts.

FIRST FRANKLIN FINANCIAL CORP. 2002-2007

Plantation, FL

Sr. Residential Mortgage Underwriter

Reviewed and underwrote wholesale conforming and non-conforming loans within

company and industry guidelines.

BANKUNITED,FSB., Miami Lakes, FL 1999-2002

Sr. Residential Mortgage Underwriter

Completed underwriting of loans including conforming and non-conforming, portfolio,

foreign national, and jumbo loans.

Sr. Mortgage Loan Processor 1985-1999

Responsible for mortgage loan processing from application to clear to close from

Underwriting department. Ensuring that all loan documentation is complete, accurate,

verified and complies with company policy. Verify loan documents including income,

credit, appraisal and title insurance ultimately preparing application for submittal to

underwriting. Experience includes Foreign National as well as conforming and non-

conforming loans.

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linkedin.com/in/gelcysfalcon

Previous employers for Sr. Mortgage Loan Processor position available upon request.

EDUCATION, LICENSES, TRAINING AND TECHNOLOGY

Miami Dade Community College: General Studies (2 years)

Florida Department of Insurance: Life, Health & Variable Annuities License

Corporate Courses included: Advanced Fraud Awareness, Ethics, BSA/OFAC

Combating Money Laundering, Detecting Red Flags, ECOA Lending, Sexual Harassment

Prevention, Financial Abuse, Developing Diversity, Risk Management, Regulatory

Compliance, Performance Appraisals, Privacy Act, FDIC Regulations, Bankruptcy

Essentials, Alt-A Certification Training, Tax Return Basics & Analysis, LoanSafe, and

LexisNexis.

Proficient in: MS OFFICE (Outlook, Excel, and Word)

Paperless Mortgage Systems: BRAIN, POINT, CALYX, EASYWRITER

SKILLS AND EXPERTISE

Underwriting Dodd-Frank Act DU/LP

Non-Conforming Loans Manual Underwriting Tax Returns

LexisNexis Appraisal Reviews Credit Worthiness

Modifications Risk Management Income Analysis

Foreclosures Quality Control Quality Assurance

Credit Policies Credit Analysis Fraud Detection

Paperless Systems Time Management LTV/DTI

RealQuest Pacer/Bankruptcy LoanSafe

Due Diligence Forensic Underwriting Banking/Finance

Foreign National Loans Mtg Loan Processing Conventional Loans

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