Monica A Roser

*** ********** ******, **. ***** GA 31558

912-***-****

acgmcg@r.postjobfree.com

Objective:

To obtain a job within a growing company where I can best utilize my skills and further my

career in the mortgage industry.

Work Experience:

PNC Mortgage Jacksonville, FL

Junior Underwriter April 2013- December 2013

- Review Income, Credit, Asset & Collateral documents from loan application to determine if they are sufficient for

underwriting

- Condition loans for additional items needed for credit approval

- Verify all supporting documentation matches loan application, if not condition for required documents

- Review underwriting rushes from processing to for underwriter approval

PHH Mortgage Jacksonville, FL

Loan Processor September 2011- March 2013

- Offer exceptional customer service to Borrower, Wealth management bankers and Financial Advisors

- Obtain documentation from the borrower to gain loan approval

- Order and review title, appraisal and Insurance reports

- Review income, credit and assets

- Inform borrower of current guidelines for the products, seek solutions to loans that fall into non-qualifying

parameters

- Go over the current rates, points and locks available for the borrower

- Explain in great detail the outstanding conditions on the loan & how they could be met

- Coordinate closings with Title Company and prepare loan for signing

Chaseworks / JP Morgan Chase Jacksonville, FL

Junior Funder May 2011 – September 2011

- Validate correct documentation is in the file

- Review FHA, VA and Conventional loan packages

- Enter information from the Note, TIL, AUS, 1003, 1008, IRRRL, FHA Case number assignment,VA award letter, HUD,

Credit Report, HMDA Form, Flood Cert, Tax Cert & Appraisal into the system

- Suspend loan for missing documentation

PHH Mortgage Jacksonville, FL

Loan Processor January 2011 – April 2011

- Offer exceptional customer service to Borrower, Wealth management bankers and Financial Advisors

- Obtain documentation from the borrower to gain loan approval

- Order and review title, appraisal and Insurance reports

- Review income, credit and assets

- Inform borrower of current guidelines for the products, seek solutions to loans that fall into non-qualifying

parameters

- Go over the current rates, points and locks available for the borrower

- Explain in great detail the outstanding conditions on the loan & how they could be met

- Coordinate closings with Title Company and prepare loan for signing

Accounting Principals / PHH Mortgage Jacksonville, FL

LPC Screen Team July 2010 – December 2010

- Receive in bound calls from FA's, WMB's and Borrowers

- Assist borrower with the completion of the Application Package

- Go over the current rates, points and locks available for the borrower

- Explain in great detail the outstanding conditions on the loan & how they could be met to the caller

- Inform caller of current guidelines for the products. Conventional and FHA loans, seek solutions to loans that fall into

non qualifying parameters

- Escalate the issue when needed to management

- Go over appraisal status

Aerotek Professionals / JP Morgan Chase Jacksonville, FL

Support Specialist April 2009 – January 2010

-Assisted Team Manager with daily reports

- Ordered titles and appraisals for processors

- Contact insurance companies for property binder

- Ordered 4506-T and Social Security verifications

- Ordered FHA case numbers, LDP/GSA and appraisals

- Assisted with loan escalations

- Assisted senior manager with monthly reports

Loan Opener January 2009 – April 2009

- Create loan file

- Print out documents including 1008, 1003, AIV, AUS, Flood Cert, CBA, NTB

- Process credit card information for application fee

- Order titles and appraisals

Education:

Florida State College at Jacksonville Jacksonville, FL

Major: Sociology May 2010 – May 2011

Saint Johns River Community College Saint Augustine, FL

Major: Psychology May 2008 – April 2009

Weymouth High School September 2002 – Graduated June 2006

Skills:

Determined, Motivated, Team oriented, Assertive, Organized, Analytical, Personable, Focused, Great communication skills, Diligent,

Hardworking, Prioritized

Microsoft word, Microsoft excel, Microsoft outlook, Microsoft PowerPoint, Closr, Lotus notes, LOS, MSP, Idesk, CA$H, Internet

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