Mortgage Loan Officer/Loan Processor

LANI JENKINS

**** ** ***** ***, *** ***, Sunrise FL 33323

(305) 342 – 0220

NMLS 1126465/ Safe Licensed

Objective

Obtaining an opportunity with a Company that allows me to utilize my analytical, underwriting, credit knowledge and my organizational skills to add value to the company and for career advancement. I have gained a wealth of knowledge and experience for over 18 years (FHA/VA/CONV) and I am eager to venture into the Mortgage industry once again. Proficient in Calyx/Encompass

Experience

December, 2009 to Present Court Options – Court Liaison

Oversee and Trouble shoot all Court Intakes and referrals from the State Attorney’s Office for Criminal traffic offences and first time DUI Arrest for acceptance into the Pre Trial Deferred Programs. Once defendants are remanded to the Pre-Trial Deferred Program, they are assigned Class, Community Service Hours or Testing, Scram and or Uimpact as is applicable based on the offence and terms agreed upon in court, advise defendants conditions of program including the fees, review cases bi-weekly to ensure compliance prior to expiration date so we can notify the State Attorney’s Office of satisfactory completion to close the case at which time the final disposition will be “Nolle Prosse” meaning no prosecution. Also responsible for monthly check on defendants for any re-arrest and revokes for non-compliance, at which point the State Attorney’s Office is notified and the defendant is then set for Trial. Work closely with Clerk Of Courts on documenting case files and if necessary filing Motions to remove Bench Warrants if invalid.

April, 2009 to June, 2009 Miami Dade County Clerk Of Courts Traffic Division

Court Specialist 1

Primary responsibilities include review and input of criminal and infraction pleadings filed daily with all court branches in Miami Dade County by both attorneys and pro se. Production expectations is an average of 150-200 pleadings per day, however my daily average was 330. Also cross-trained on filing of Motions, processing of check payments on traffic violations and CPU batching and scanning of documents into appropriate queues, also received a week of training on all income/outgoing mail/judges calendars and distribution of pouches/mail from couriers.

October, 2007 – October 2008 Wachovia Bank, N.A., - PMB Mortgage Specialist

To Originate Mortgage Broker business for both business lines, i.e. Portfolio, Conventional, Government and Jumbo Loans

Review all loan files for fraud and compliance prior to submission to minimize any buy backs for Wachovia. Training presentations with mortgage brokers and their critical staff both weekly and monthly on technology, guideline changes, loan packaging, market changes, fraud detection and Title Documents. Review and prep credit files for underwriting, verifying income and credit documents and appraisals prior to submission.

April, 2005 – April 2007 Argent Mortgage Company

Account Executive

Responsible for origination new Mortgage Broker and Correspondent Business. Preliminary review and underwriting of all loan files to ensure that they met with both company program guidelines and compliance. Worked with operations and brokers to ensure that all files closed quickly and efficiently from point of origination to funding.

October, 2001 – April, 2005 Wells Fargo Home Mortgage

Manager/Team Lead for Treasure Coast/Palm Beach

Managed an Operations Team which consisted of OMS Administrator, Deficiency Analyst, Openers, Mortgage Specialist (Level 1 Underwriters) and Closers.

Responsible for credit and deficiency analysis for an average loan volume of 300 loans per month. Held monthly compliance training for both level 1 Underwriters, Processors, Closers and Sales Associates. Reviewed all incoming credit and income, appraisals and title documents for underwriting. Reviewed all files once cleared to close for compliance and to ensure that a closing package was sent and wire was requested. Worked closely with Title Companies, Attorneys and Builders in reference to all closings. Provided support to Area Sales Managers, Loan Officers and their Support Teams to ensure a smooth transition of all loans from POS to funding.

Helped with the implementation of a paperless system for Retail Loan Officers to upload their files directly to the file opener.

March, 2000 – October, 2001 Citibank, N.A., South Ridge, SC

CRA Loan Officer

Implement special Low Income programs in conjunction with Local CDC offices, Miami Dade Housing Authority and CCC.

Origination of CRA loans for three Citibank Branches in Dade County.

Held First Time Homebuyer seminars that allowed qualifying borrowers the opportunity to become certified and to provide them with the credit counseling needed to meet the CRA program requirements.

Managed a Team of Loan Officers, Processors and Closers

Responsible for all accounts receivables and payables and cost management

Administrator for Compliance, Due Diligence, Post Closing and Compliance to ensure that both RESPA and Investor requirements were met.

Reviewed deficiency reports and implemented training to avoid future loses.

Education

1986 - 1987 Pace University, NY, NY, - Acctg

1990 MDC

Interests

Volunteer work with the Kiwani’s Club of South Dade, Reading, Pool and Golf.

References

Will be furnished upon request.

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