Customer Service Loan
Resume:
Sharon Marie Elzie
***** **** *** * ********, WA 98387 * *********@*****.***
Summary: I would like an opportunity to incorporate my eight years
combined skills and interest as a Mortgage Processor, with advancement
potential, as an employee with your company.
Summary of Qualifications
As a mortgage processor I am the liaison to all aspect of the home loan
process. I meet and greet clients, answer or seek the answer to all types
of client questions and concerns. Coordinate with all parties involved in
the transaction. Solve any and all problems that arise. This gives the
loan officer more time to spend on money making projects.
Track a variety of deadlines, such as compliance, interest rate locks and
closing dates.
Communicate effectively with buyers, realtors, builders, engineers, home
inspectors, appraisers, title and escrow to ensure that any and all work
orders are completed and invoices or paid prior to closing.
Ensure the loan closes in compliance with state and government regulations.
Developed the ability to work in a fast-paced atmosphere
Ability to follow instructions well and make decisions with no supervision
Excellent listening, oral and written skills, reliable, hardworking, I am a
self-starter and a team player
Technical Skills: Experienced in various software packages associated with
the mortgage industry.
Typing (70+ wpm) PC Lender In-House
Mortgage Integra
Advanced in Microsoft Office XDocs/Blitz Doc
Encompass 360
Advanced in Editing Advanced in Word Perfect
Calyx Point
Professional Experience
Senior Processor
Nov 2012 - Dec 2014 Westar Pacific Mortgage
Spanaway, WA
- Review all loan files immediately upon receipt.
- Verify Desktop Underwriter (DU) accuracy, file set-up and order out,
and status of all outstanding conditions.
- Verify that the loan fits the requirements of Weststar loan programs.
- Communicate review to originating Loan Officer and to Management as
required.
- Secure title, credit reports, appraisals and flood reports as
required. Review immediately upon receipt to ensure that they meet all
Weststar and regulatory requirements.
- Communicate receipt of documents and review to the originating Loan
Officer. Work to clarify and/or correct all problems or errors. Order
all subsequent updates and/or final reports as required.
- Ensure that the Loan Officer secures all required documentation or
information necessary from our customers. Review all documents
received from Loan Officer and/or customer to ensure that they meet
Weststar requirements.
- Update DU and/or Underwriting as required during the processing of the
loan as new information is secured or as information changes.
Communicate any changes in DU requirements resulting from any update
to the originating Loan Officer.
- Assist the Loan Officers in monitoring of lock expirations and lock
management. Communicate as necessary to ensure no locks inadvertently
expire.
- Provide a written file review weekly to each assigned Loan Officer.
Include information regarding current status, outstanding conditions
and anticipated closing date of each loan in process. Maintain
excellent communication between customers, Loan Officers, Funders, and
all other parties involved in each loan transaction.
- Provide a superior level of customer service to all parties.
Senior Processor
Jul 2012 - Nov 2012
Gateway Funding Diversified Mortgage Services, LP
Spanaway, WA
- Confirms loan application is complete
- Evaluates AUS findings and prepare Preliminary Loan Disposition
requesting required income documentation
- Set up files and ordered title, appraisal, fraud guard, social
security verification, tax transcripts, verification of employment,
rents and deposits when required; Order FHA & VA Case numbers,
CAIVRS, credit reports, flood certifications and Flood Insurance,
MERS, insurance binder, income work sheets, mortgage insurance and any
other items needed to close the file
- Submit loans to appropriate automated underwriting system
- Review Loan Disposition prepared by the Underwriter. Confirms the
loan conditions have been properly coded
- Reviews Conditions, completes a file review with the Originator to
confirms terms of loan
Processor
Oct 2010 - Jun 2012
Sound Mortgage, Inc.
Spanaway, WA
As a processor with Sound Mortgage I was responsible for collecting the
documentation needed to close on a home loan from start to finish. Some of
these items are listed below.
- Set up files and order title, appraisal, Fraud Guard, Social Security
Verifications, etc...
- Verify employment, deposits, assets and rent
- Order mortgage pay offs
- Ensure calculation of income is correct
- Order tax transcripts, MERS, Case numbers, credit, flood certificate
Loan Processor
Feb 2007 - May 2010
Loan Network, LLC
Spanaway, WA
Loan Network is the premier real estate mortgage company that provides our
clients and neighbors with innovative mortgage solutions for their home
loan needs. With over 2500 Loan Originators they provide a wide variety of
products: FHA, VA, Conforming, USDA and Portfolio Loans.
- Verify, compile and types application information for mortgage loans
- Ensure application meets establishment standards, including type and
amount of mortgage, borrower assets, liabilities, and length of
employment
- Recommend that loans not meeting standards be denied
- Calls or writes credit bureau and employer to verify accuracy of
information
- Obtains property abstract survey, and appraisal
- Work with title to clear discrepancies in title or surveys
- Submit complete files for approval
- Records data on status of loans, including number of new applications
and loans approved, cancelled or denied
Loan Originator
Nov 1999 - Feb 2007
Loan Network, LLC
Spanaway, WA
Independently research and assesses financial analysis based on credit to
match borrowers to appropriate loan programs.
- Meet with applicants to obtain information for loan application and
answer questions about the process
- Analyze applicants' financial status, credit and property evaluations
to determine feasibility on granting loan
- Explain the different types of loans and credit options available to
the applicant buyers
- Obtain and compile copies of applicant credit and financial history
- Compute payment schedules
- Abreast of new types of loans and other financial services and
products in order to better meet customers' needs
- Handle customer complaints and take appropriate action to resolve them
- Work with clients to identify there financial goals and to find ways
of reaching those goals
- Confer with underwriters to aid in resolving mortgage applications
problems
- Negotiate payment arrangements with clients who have delinquent loans
- Analyze potential loan markets and develop referral networks in order
to locate prospects for loans
- Interview, hire and train new employees
Education and Training - United States Air Force - Information Management -
1983 through 1994
Contact this candidate