Dear Hiring Manager:

I was interested to see your job posting and would like to learn more about this opportunity. I am a Loan Processor with extensive experience in the mortgage business. I have over 11 years of experience as a loan processor, Underwriting, Funder and as a Loan officer. I have over 6 years’ experience in processing and closing FHA, VA, USDA and new construction loans. In these various roles, I have seen what it takes to fully close a loan from selling the product, making an initial credit decision, gathering all items requested in a timely manner, making a final loan approval once all conditions were satisfied, prepping the system and sending final loan documents to escrow/closing agents and approving funding of a loan once signed and executed loan documents were received. My knowledge and experience in my career make me understand any role your company may need at any time and feel that I would be an asset in this role.

Thank you for your time and consideration. I hope to have the opportunity to discuss the opening with you in person.

Sincerely;

Javier Calvillo-Hernandez

7450 Tranquillo Way

San Antonio, TX 78266

210-***-****

acqad7@r.postjobfree.com

Objective:

I am writing to you directly in hopes that you will initiate an action that will allow me to meet with the appropriate representative within your organization to discuss the opportunity of employment. I am confident that a personal interview will allow me to convey my capabilities and how they may benefit your organization. Please take a few moments to review the benefits my experience can bring to your organization and how they may benefit your organization.*Microsoft Office: Word, Excel, Access, Outlook, Internet, Alltel Banking system and Empower banking system.*Strong interpersonal, communication and organizational skills.*Responsible for maintaining integrity of client data.

Work Experience

Mortgage Loan Document Specialist

08/2014 – Current, 06/2008 – 03/2012, - Wachovia/Wells Fargo Home Mortgage, San Antonio, TX

Supported multiple Loan Officers within a defined span of control. Analyzed income, asset and credit documentation to determine monthly income, schedule of debts and available funds on Conventional, FHA, VA and USDA loans. Conduct quality assurance of initial documents to ensure loan application integrity by validating and correcting data in the LIS and CORE operating system to match hard paper documentation within the loan file. Review file for accuracy and any additional items needed for a clean approval. Rerun the decision engine based on changes made to the system. Communicated with Loan Officers and customer verbally or by e-mail with updates on loan and obtained any additional information needed or requested by Underwriter. Ordered, followed up and gathered 3rd party items from internal and external vendors such as Appraisals, VOE’s, Title, Government agencies and realtors. Packaged file for Underwriter to make final loan approval. Communicated with title company to ensure all required documentation is received and scheduled closing. Worked with closing to obtain any and all documentation to close and fund loan. Updated Loan Officer, realtors and congratulated customer on closing of loan application.

Senior Loan Processor

03/2012 – 05/2014 Interlinc Mortgage Services, LLC, Garden Ridge, TX.

Ensured the timely and accurate packaging of all loans originated by our loan officers for Conventional, FHA, VA, USDA and new construction purchase loans and refinances. Responsibilities include: Gather information and take each file from pre-approval to closing. Input proper loan information into the system for processing. Responsible for ensuring that all loan documentation is complete accurate verified and complies with company policy. Contacted borrowers, 3rd party associated with the loan to obtain property documentation set by the Underwriter and company guidelines. Verified loan documents including income credit appraisal and title insurance ultimately preparing application for submittal to underwriting. Review file documentation and make sure all items needed are requested and met the Underwriters conditions and company policy. Order and coordinate loan documents to meet closing dates. Meet crucial deadlines requested. Perform any additional duties/activities assigned by management.

Senior Loan Processor Wholesale

07/2007 - 11/2007 * AeroTek staffing/Washington Mutual Corporation, San Antonio, TX

Made initial contact with Broker regarding conditions needed to fund loan. Reviewed Desk Top Underwriting Analysis to make sure file is conditioned accordingly. Give updates to Brokers regarding loan conditions. Review and log in loan conditions set by Underwriter. Review Preliminary Report and Escrow Instructions to make sure they met Washington Mutual Corporation guidelines. Reviewed Appraisal for discrepancies and accuracy. Reviewed borrower conditions for accuracy and to make sure they met Washington Mutual Corporation guidelines. Cleared file to close once all conditions were satisfied.

Loan Processor/Office Manager

10/2006 - 07/2007 * Cadence Funding, 16742 Gothard St. #108, Huntington Beach, CA 92647

Created and entered loan into Point system. Called and/or mailed loan application for borrower to fill out missing information. Ran Credit and reviewed scores, account activity and for account history. Give loan officer rates on lenders borrowers would qualify per their guidelines. Opened title, escrow and ordered the Appraisal. Requested income and asset documentation from the borrower if file was going to be submitted as Full Doc. Followed up on status on outstanding conditions. Review Preliminary Report and Escrow Instructions to make sure they met submitting lenders guidelines. Order Appraisal. Reviewed Appraisal for discrepancies and accuracy. Reviewed borrower conditions for accuracy and to make sure they met submitting lenders guidelines. Filled out submission form for lender and would drop off loan package for review and approval. Reviewed approval and obtain items conditioned by the Underwriter. Locked loans and requested Docs once file was ready for Docs. Would coordinate with escrow on signing the loan documents with the borrower. Reviewed Docs before sent to the Lender for accuracy and any mistakes. Made sure escrow forward all their conditions to the lender and the file funded. Managed receptionist and obtained daily reports from staff. Ordered office supplies and coordinated maintenance on machinery if needed.

Loan Processor/Funder Retail and Wholesale

10/2002 - 10/2006 Downey Savings and Loan Association, New Port Beach, CA 92660, California

Make initial contact with Loan officer regarding conditions needed to fund loan. Reviewed Desk Top Underwriting Analysis to make sure file is conditioned accordingly. Give updates to Loan officer regarding loan conditions. Review and log in loan conditions set by Underwriter. Opened Title and Escrow for loans. Review Preliminary Report and Escrow Instructions to make sure they met Downey Savings guidelines. Order Appraisal. Reviewed Appraisal for discrepancies and accuracy. Reviewed borrower conditions for accuracy and to make sure they met Downey Savings guidelines. Forward file to Underwriter once all Prior to Doc conditions were in. Set file up for loan documents to be issued to Escrow. E-mail or Fed-Ex Loan documents to Escrow for borrower(s) to sign. Condition file accordingly. Reviewed and sign off signed loan documents. Review and sign off Funding conditions. Set up file for funding.

Corporal, Army Infantry

8/1996 - 8/2000 US Army, Fort Hood, TX

Team leader who counseled disciplined and oversaw training. Managed orderly room (Answered multi-telephone lines and organized daily reports) maintained combat loads and maintenance for armed vehicles. Operation Joint Forge (Bosnia-Herzegovina Feb 99 - Nov 99)

Education:

Graduated in 1996, Santa Ana Valley High School, Santa Ana, California, High School diploma

Skills:

Microsoft Office, Word, Excel, Access, Window, Empower, Encompass, Calyx Point, Alltel, Power Point, Power lender, LIS, CORE

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