GRACE PIECHA

* ********* ***. 973-***-****

Elmwood Park, NJ 07407 aco8xn@r.postjobfree.com

OBJECTIVE To obtain the MORTGAGE PROCESSOR position within YOUR

COMPANY in order to provide excellent service and give me the

opportunity to grow and advance professionally.

WORK EXPERIENCE

2015- present Valley National Bank Wayne, NJ

Residential Mortgage Processor

• Ensure residential mortgage applications are properly documented

• Verify and enter all information required to render a credit

decision on an application

• Review and verify borrowers income, credit reports, and

employment histories

• Review loan application file to verify that application date is

complete and meets establishment standard, including type and

amount of mortgage, borrowers assets, liabilities and length of

employment

• Prepare Truth in Lending and Good Faith Estimate disclosure

forms

• Prepare and mail required regulatory disclosures

• Score application via automated underwriting system

• Communicate with applicant requesting required documentation

• Verify accuracy of information upon receipt and edit LOS as

needed

2003 – 2015 Spencer Savings Bank, SLA Elmwood Park, NJ

Consumer Credit Loan Opener

• Logged in new applications, set up the loan applications received

by mail and online.

• Arranged application and other documentation in proper order

in loan file; identified missing items

• Ran and reviewed Credit Reports/ HMDA Report/Lexis Nexis

• Prepared and sent Verification of Mortgage and Verification of

Employment forms

• Prepared correspondence to the customer for missing or additional

information, as needed

• Prepared commitment and approval letters, as needed

• Reviewed and verified documentation

• Entered all information from application to the computer system

(Sound Software).

• Ordered Appraisals, Property Searches, and Flood Determination

• Printed and attached all reports to the processing files

• Assisted with Polish customers, as needed

• Followed up on all documentation items

• Prepared monthly invoices for appraisals

• Prepared paper work with subordination and modification loans

• Assisted with clerical Closing/Funding functions

• Worked with Second Mortgages: Fixed Rate Home Equity Loan,

and Home Equity Line of Credit

2001 – 2003 Spencer Savings Bank, SLA Elmwood Park, NJ

Closing/Funding Clerk

• Prepared/ Filed documentation for closings

• Prepared bank checks

• Prepared and mailed letters to customers

• Verified statistical reports for accuracy and completeness

• Put together invoices or budgetary requests

1999 – 2001 Spencer Savings Bank, SLA Garfield, NJ

Teller

• Made certain that the proper procedures followed

• Trained other tellers & assisted mentors to the tellers

• Assisted branch manager

1998 – 1999 Wawel Savings Bank, SLA Wallington, NJ

Teller/Assistant Head Teller

• Cashed checks

• Accepted deposits and loan payments

• Processed withdrawals

• Opened a variety of banking accounts

• Prepared and maintain various reports

• Processed necessary work for certificates of deposit

• Accessed to the vault

• Guaranteed of accurate cash balance in the vault

• Was trusted with making important decisions

EDUCATION

1999 – 2000 Columbia Savings Bank Fair Lawn, NJ

NJ Banking Courses

1994 – 1995 Greenpoint School of English Brooklyn, NY

English as a Second Language, Grammar & Vocabulary

1983 – 1985 College Associate Degree in Teaching Poland

Study of Primary Education

1979 – 1983 Liceum Ogolnoksztalcace Poland

High School Diploma

SKILLS Fluent in Polish

Proficient in Sound Software and OSI

Proficient in Microsoft Word, Excel and Outlook

Experience using Loan Origination System (LOS)

STRENGTHS Communication Responsible

Critical Thinking Organized

Team Player Hard-working

Contact this candidate