Loan Processor

JOB OBJECTIVE: SEEKING THE LOAN PROCESSOR POSITION WITHIN THE CREDIT UNION BUSINESS LOCATED IN ANAHEIM.

UNDERWRITER JR / SECONDARY MARKET – SOLD LOANS TO INVESTORS

Sun West Mortgage Company, Cerritos 2009 - Present

Worked in the residential Underwriting department for 2 years and assisted with many Underwriting duties: Cleared Conditions, Analyzed credit packages and Ran DU / LP, familiar with Conventional, VA, and USDA loans.

Processed First time buyer program loans for 5 years: CALHFA (California Housing Finance Authority) and THDA (Tennessee Housing Authority) Loans. Reviewed the file, packaged files for submissions, created a needs list, shipped the packages, main contact between CALHFA / THDA and Mortgage company, followed through until close,

Worked 3 years in the secondary market department: Processed funded credit loan packages for Investor’s to purchase. Processed, and shipped FHA, Conventional, and VA loans to investors. The main contact between Investors like Wells Fargo and the mortgage company and assisted in clearing Investor’s conditions requests in order to obtain the purchase advice.

Processed USDA packages for 1 years and able to input import data into the system and run GUS and credit reports. Our company was ranked one of the top mortgage companies for submissions to USDA. I processed and submitted 15 – 20 packages per month to USDA offices Nationwide.

COMMERCIAL LOAN ANALYST / BROKER COORDINATON

IMPAC Commercial Capital, Irvine 2007 - 2009

Analyzed Commercial Credit packages in a fast pace call center environment and Underwrote and determined credit decisions based on Property Information: Rent Rolls, Income and Expense calculations, repairs needed. Prepared Cash Flow Analysis on Income producing deals: Apartments, Offices, Retail Mixed use, Self-Storage, and Mobile Home Park loans:

Answered heavy call volumes from mortgage brokers (50 – 75 calls per day) who had commercial transactions. Learned to stay calm under extreme pressure and Learn to handle problems.

COMMERCIAL LOAN PROCESSOR

Metro Pacific Bank, Irvine 2006 - 2007

Analyzed and processed and Underwrote: Credit packages: Retail, Industrial, Restaurants, Office, Apartments, and SBA loans, created cash flow models: Pipeline 30 – 40 loans.

Processed and created Cash flow Analysis on Commercial loans, created a needs list, stacked files, submitted files to Underwriters, and worked to clear Underwriting conditions.

RESIDENTIAL / APARTMENT / COMMERCIAL LOAN PROCESSOR

Team Financial Mortgage, Torrance 2004 – 2006

Pipeline of 25 – 35 loans. Processed Residential and Commercial loans: Analyzed and processed and Underwrote: Credit packages: Residential, Retail, Industrial, Restaurant, Office, Industrial, SBA loans, created cash flow models: Pipeline 30 – 40 loans.

Duties included: Upload data in Calyx Point system, Qualified clients, stacked files, Underwrote files, and kept clients informed through-out the closing process.

APARTMENT / COMMERCIAL / LOAN PROCESSOR

Apartment Lending Group, Westminster 2003 - 2004

Analyzed and loan processed Apartment credit packages: Worked with the number one producer within the company. Assisted in processing and assisted in the Analysis of over 150 Apartment / Commercial loans.

Analyzed Borrower’s Financial Credit Worthiness: Reviewed credit reports, Assets, Bank Statements, and income / expense data and worked with a variety of investors and familiar with different ownerships: Single Borrowers, Partnerships and Corporations.

EQUITY LOAN PROCESSOR

Home Loan Center, Irvine 2001 – 2003

Pipeline of 40 – 50 loans. Equity loans: Analyzed credit packages includes: Assets, tax Returns, Credit and Appraisal Reports: Stacked Files, created a needs list and submitted the file to Underwriting.

RESEARCH ANALYST / DATABASE COORDINATOR

Grubb & Ellis Commercial Real Estate, Torrance 1999 - 2001

Worked 2 years in a Commercial Research department. Assisted Research Analyst in obtaining, maintaining, and analyzing data. Gathered and compiled data for analysis compilation. Supported the research team in composing 10 – 20 page quarterly reports and 50 + page sale and lease proposals.

Assisted the top commercial real estate sales agent: Worked on complex sale and lease proposals. Trained in Excel Analysis, Marketing, Research, Presentations, Contract Development, and Commercial Sales.

Managed 40 to 50 Industrial listings: Duties: Analysis, Data Input, Sales Assistant, Phone, Marketing, Conducted Open Houses, worked with Contractors to fix properties, Created and reviewed Commercial sale and Lease contracts.

RESIDENTIAL / COMMERCIAL REAL ESTATE AND FINANCIAL SALES

Coldwell Banker, Torrance 1992 - 1999

Sales and Marketing: Constantly ranked top 3 in sales every year of a sales force of thirty sales staff. Solid sales and marketing techniques: Constantly on the phone: Cold calling future clients and while giving present clients superb customer service. Developed strong Negotiation skills and Marketing efforts. Stacked hundreds of files.

EDUCATION:

B.S. Business Management, California Polytechnic, University, Pomona

Active California Real Estate License

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