Customer Service Life Insurance
Resume:
Denise Le Flore
Fullerton, CA 92831
Email: ******.*******@*****.***
OBJECTIVE: Seeking a position as a Senior Loan Processor/Jr Underwriter position with a
reputable company to utilize my knowledge and experience to enhance your company.
QUALIFICATIONS:
15 year Processing Experience, Conventional, FHA, VA, DAPS, Harp Loans
10 Year Sales Experience
Real Estate Sales license - California
2 years Customer Service Supervisory Experience
Computer Software (Word, Excel, PowerPoint, LPS, LIS )
2 years Underwriting Experience
Bank of America 1 year Bank Teller experience
14 years Notary Public/Loan doc signer
People Person and Team Player/Great Communication skills
Loan Processing for A paper, Sub prime- Wholesale and Retail
Origination/Insurance Experience
WORK HISTORY:
07/2012 – 6/10/14
GMAC/GreenTree now Ditech
/Senior Loan Processor
Processing Conventional, FHA, VA, Harp and DU Refi Plus loans, Refinances and
Purchases. Responsibilities included reviewing income, assets, and keying in all
information into Eclipse system. Running DU, Mers Reports, reviewing appraisal,
running LQ/Gap Reports. Ordering Credit Supplements, Ordering Title. Duties also
included calculating income from Paystubs, Tax Returns, and Reviewing Assets to Ensure
DU Eligibility is Approve / Eligible. Duties Included completing Processing checklist to
ensure complete accuracy on all files with 0 errors. Ran FHA Case Numbers. Working on
paperless files In Blitz system and now Encompass as we uploaded all title and
conditions from the borrower and signed disclosures. Reviewed and Managed my
pipeline report everyday watching closing dates and Rate Lock Extensions. Phoned the
borrowers and went over Welcome and Closing calls with the borrower and discussed
loan terms, closing cost and conditions with the borrowers. Duties also included a great
deal of customer service work as I spoke to the Loan Officers, Escrow Companies, Title
Company and Attorneys to Coordinate the closings so we fund on time.
01/2011 – 06/2012
TD Bank Residential Mortgage
Loan Processor III
Duties as a Loan Processor entailed making Welcome Calls, Counter Offers and Adverse
Decisions to the borrowers, This position requires lots of communication in keeping the
Borrowers, Closing Agents, and TD Bank Branch Stores informed on loan status at all
times. Love to Utilize my 20 Years Customers Service and Sales Experience as I love to
W ow the Borrowers with a Great Experience. Duties also included reviewing conditions
such as income, assets, terms of Mortgage Payments, hazard insurance and making sure
Signed Off. Duties also requires assisting Borrower with Mortgage Bot to float down
and Lock the Borrowers Rates. While Processing Conventional and FHA loans I assist
in following Bank Policies and Procedures. Duties also entailed managing your Daily
Pipeline, watching Expected to close dates and Rate Locks and Meeting Monthly Goals
and making sure all loans are closed on time.
Wells Fargo Bank 04/10-8-10
Mortgage Specialist
Duties as a Mortgage Specialist entailed processing Mortgage Loans, Conventional
and Harp loans. with over 15 years in Processing, duties require identifying closing dates
and rate expiration on daily reports, reviewing all docs in file, credit reports, appraisals
and sending out 7 day letters to HMC for suspended loans, and follow up calls using
Daily tickler system. I update all p sign dates in system. I do welcome and closing calls
W ith borrower and give exceptional customer service at all times to the borrowers so
Survey will be all 5’s for extremely exceptional service. I call title and attorneys and loan
officers To coordinate the closing and insurance companies for outstanding conditions, I
changed Loan terms, loan amounts, rate and restructure loan as I watch LTV guidelines.
Freedom Mortgage 02/09-Feb 2010
Mortgage Processor
Duties as a Senior Processor entailed processing Conventional, FHA, FHA streamlines,
VA loans, Freddie Mac Relief program loans and knowing FHLMC and FNME
guidelines processing loans in a Paperless Environment. Responsibilities included
calculating income. Reviewing credit Reports, reviewing title, and appraisals. Running
case numbers thru FHA and updated Lakewood system with HUD, and tax cert fees and
hazard fees. After processing the And preparing the file for underwriting review, duties
also Running DU and LP to make sure the borrower qualifies for the loan. Duties also
Entailed introductory calls, and closing calls to finalize the loan with the borrower.
Senior Settlements LLC 08/07-02/09
Originator/Case Manager
Duties as an Originator entailed speaking to Brokers and managing hundreds of Insurance
Policies on a daily basis. This position required bringing on new accounts and services
From various different Brokers from state to state. This position involved lo ts of
knowledge for the purchase of Life Insurance policies submitted to us on a daily basis
from various Brokers from state to state. Duties required follow up the cases, and
answering questions and assisting the Brokers accounts assigned to us and giving them
status and knowledge on the program guidelines as we received the Insured life insurance
policy in for review on a daily basis.
07/01 – 03/07
Bank of America
Senior Loan Specialist
As a Senior Loan Specialist with 1 million dollar signing authority I reviewed Income
from Pay stubs, and Tax returns. I reviewed Bank statements for asset verification and
reviewed Title reports and reviewed Appraisals, and sign off on all conditions that met
the company guidelines for eligibility. My duties also included ordering voe ’s, appraisals,
title, and reviewing credit reports, and contacting escrow /title to coordinate all closings
from state to state. Duties entail a great deal of customer service work on phones
speaking to the borrowers, & Closing Agents. Duties also entail a lot of questions and
assistance I provided training the Junior Processors for program questions, and I assisted
everyone on challenging loans. Knowledge of DU Desktop Underwriting, Processing
Knowledge of Conventional, FHA, and VA loans. Processing experience over 14 years,
processing A paper and Sub Prime, and processing in a paperless environment. And
processing Wholesale and Retail loans in the Mortgage Industry . I did Underwriting for
the Bank as well as being promoted to Team HSS which is assisting theTeam Supervisor.
Title West Mortgage 01/98-02/01
Account Executive
Responsibilities as a Wholesale Account Executive with a pipeline of 80 -100 files
Per month coming in the door assisting hundreds of broker’s offices in the Valley area.
I was responsible for presentations, and going to brokers offices reviewing loan packages
And doing prequal’s.and reviewing credit reports for quick pre approvals.
W ith my knowledge of processing experience it was not hard to get the conditions in
Quickly and fund the loans in a timely fashion. Duties entailed a great deal of Sales
Experience and a lot of phone work speaking to the Brokers, Escrow and the Realtors.
EDUCATION:
10/96 – 5-98
Long Beach City College
Received units for General Studies for a goal to pursue an Associates Degree in Business
Management.
Rancho Santiago College 2/89 11/90
Received units for General Studies Courses, with a goal to transfer to a University to
Pursue a Degree in Business Management.
3/87 – 9/87
Control Data Institute
Computer training for Word Processing, in word perfect, Excel, 10 key by touch and
Business preparation training and I learned to type 65 WPM. Graduated with a 4.0 GPA.
Rutgers University 6/84- 12/85
W orking on a curriculum to obtain a Degree in Computer Science. Classes included
English, Math, Economics, History and Computer classes with hard work and studying.
REFERENCES: Upon Request.
Contact this candidate