mortgage loan processor

Troy A. Roberts - **** Bayard Pl. N*, Jacksonville, Florida 32205, Cell-904-***-****, Email: ***********@*****.***

Summary

I am a driven and self-motivating financial professional with diverse expertise in private, government, and corporate banking organizations. I have

extensive knowledge and experience in customer service, accounting, supervision, payroll, default, underwriting, loss mitigation, bankruptcy, closing,

short sales and mortgage processing to name a few. I also adapt to change and constantly exceeding the company objectives to secure client

satisfaction and loyalty.

MORTGAGE LOAN PROCESSOR

•Mortgage industry professional with loan-processing experience and a comprehensive knowledge of conventional and government loan

programs.

•Thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from

preapproval to closing.

•Computer savvy in MS Office Suite and proprietary mortgage-processing software.

Loan Processing Expertise

Conforming & Nonconforming Loans, FRMs, ARMs, GPMs, Jumbo Loans, Fannie Mae & Freddie Mac Guidelines, FHA, VA, USDA Rural Development

Loans

Employment History

October 2014 - Present: Primary Processing Solutions (The Law Office of Chris Ochoa, P.A.) – Jacksonville, Fl

Lender Correspondent/Client Care Specialist (PROCESSOR): Responsible for assisting lenders and clients to retain and communicate to a complete

modification package. I retain the information from the lender for the needed documentation such as the application, 4506-t, financial/income

documents, hardship letter, etc. I have my processors upload documents, label and upload to lenders. I also provide other solutions to a denial for

a modification, such as, forebearance plan, repayment plan, reinstatement, releasing of property, short sale, or bankruptcy. I also track a client list

of a rolling 500+ clients. Training and maintaining meetings with my team on weekly and monthly meetings.

May 2014 – October 2014 – Jacksonville, Fl

Unemployed

April 2013-May 2014: Bank of America – Jacksonville, Fl

Home Servicing Specialist (PROCESSOR): Responsible and assists the processing of loans approved by an Underwriter or an automated

decisioning system for the need of the product submission, such as refinances and/or purchases. Verifying conditions of approval which may include

customer income/assets documentation. Resolve title issues: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed lien

reconveyances; process subordinations or resolve appraisal disputes. Maintains communication with customers, sales partners, banking center

associates, Realtors, and loan officers in handling customer requests in a professional manner. Holds a NMLS#1064233

Regarded as one of the company’s most productive loan processors, handling an average of 100-300 files monthly.

•Provided expedient service cited as key to consistently high customer satisfaction.

•Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth

closings.

•Successfully processed some of the most challenging loan applications (e.g., first-time borrowers, self-employed applicants and

borrowers with problematic credit histories).

Mortgage industry professional with loan-processing experience and a comprehensive knowledge of conventional and government loan

programs.

•Thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from

preapproval to closing.

•Computer savvy in MS Office Suite and proprietary mortgage-processing software.

•Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages. Review

and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan

applications for underwriting submittal. Ensure compliance with company policies, underwriting guidelines and lending-program

requirements.

Regarded as one of the company’s most productive loan processors, handling an average of 300-500 files monthly.

•Provided expedient service cited as key to consistently high customer satisfaction.

•Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth

closings.

•Successfully processed some of the most challenging loan applications (e.g., first-time borrowers, self-employed applicants and

borrowers with problematic credit histories).

May 2012 - January 2013: Bank of America - Jacksonville, Fl

Short Sale Negotiator: Managing in process of selling real estate within prescribed investor and dept. guidelines. Managing a portfolio consisting

of properties that have detailed guidelines; and requirements requiring management’s authorization and approval. Size of portfolios varies.

Minimizing losses on foreclosures through analysis, management, marketing, and of real estate owned properties by our investors. Evaluating

economics of the property/BPO and appraisal analysis for month-end figures, listing agreement, counter offers for approval. .

March 2012 – May 2012

Unemployed

October 2008 - March 2012: Washington Mutual/JPMorgan Chase - Jacksonville, Fl

Underwriter: Responsible for reviewing and assessing files to be underwritten for Residential, FHA, Refinance, GSE/Private/Fannie Mae/Freddie

DU/LP mortgages, that qualifies for HAMP, CHAMP, or Forbearances.

HL ID Mod Counselor II/Relationship Mgr: Responsible for reviewing residential loans in imminent default. Determine if all requested

documentation has been received; analyze income; resolve & handle escalated solutions; ensure within guidelines/compliance with regulatory

authorities (Fannie, Freddie, USDA, EMC); assess borrower hardship; housing expense; determine loan resolutions.

Mortgage Loan Consultant: Responsible for being involved in extensive client contact with prospective and/or existing clients; building

relationships; manage account information on a daily basis in compliance with regulatory procedures.

Post Closing Specialist: Responsible for auditing original document notes, insurance, TIL, ACH, application, RESPA, deed and BPP coverage,

process all loan payments including investor payments/collect fees/process internal & external transfers. Book all new and renewed loans.

Bankruptcy Specialist: Responsible for monitoring bankruptcy files and ensuring that the bankruptcy processes on individual accounts are

completed accurately and in a timely manner.

Mortgage Loan Processor: Responsible for customer documents, clear conditions and follow up with third parties to obtain in a timely manner.

Verify loan details, title reports, appraisals and requests for additional documentation and performing time management on each file.

Loss Mitigation Specialist: Responsible for workout solutions, negotiating retention and liquidation options with mortgager, investor, insurer,

client, attorney and agents to avoid foreclosure/bank loss. Maintain notes on files and follow-up on payment plans and closure of workouts.

Special Project Specialist: Work special project such as Triage, Kana, CRT, Pre-Qualified Mod, Option Arm Campaign - able to identify process

improvements execute solutions; track and update systems; ensure all timelines are met; resolve & follow-up inquiries from customers.

Sales: Originate loans to achieve sales forecast, sales target, and sales penetration rates. Also provides necessary client info to be entered into the

system, gathers and analyzes income, collect info required to make an upfront conditional approval, determines the loan within UW guidelines.

December 2007 - October 2008: Enhanced Recovery Corporation - Jacksonville, Fl

3rd Party Collections: Counseled customers; made payment arrangements; documented conversations, maintained personal information in

database; met individual and personal goals while adhering to Federal & State collection rules & regulations.

June 2004 - December 2007: Examination Mgmt. Services, Inc. - Jacksonville, Fl

Invoicing Assistant: Responsible for invoicing the customer; the completion of investigations; documentation of conversations & photographs;

maintenance to customer database; being in compliance with Federal & State guidelines.

February 2002 - June 2004: National Auto Finance Co. /Nuvell - Jacksonville, Fl

Purchase Discounter: Responsible for the completion of investigations & the purchase/discounting of the retail sales, finance contracts,

compliance to company, State & Federal guidelines.

November 1998 - February 2002: Bank of America - Jacksonville, Fl

Adjustor: Adjusted customer accounts in an accurate and timely manner to correct missing items, encoding errors, misrouted items, and various

other adjustments.

3rd Party Collector: Counseled customers; made payment arrangements; documented conversations; maintained personal information in

database; met individual & personal goals while adhering to Federal & State collection rules & regulations.

June 1996 - November 1998: AmSouth Bank - Jacksonville, Fl

Assistant Branch Manager: Manage a full-service branch. Maintained branch general ledger; pull overdraft account reports; opened customer

accounts; hired & supervised tellers & customer service representatives; organized weekly & monthly meetings; made cold calls to perspective

customers for annuities, mortgages, personal loans & accounts; handle are review mortgage/commercial/personal loan documents; assist loan

representatives in finalizing loan applications & documents; maintained security; and reported to upper management. Held license 7 and 66.

Contact this candidate