Stephanie Ybarra

Glendora, CA. *****

626-***-****

Key Contributions

With over 20 years of experience in Real Estate Lending I have assisted in many key areas of the industry. I assisted with the start-up of a real estate department, including processing, underwriting, funding and servicing. I implemented the Real Estate Procedure Manuals for all departments. Monthly, procedures were reviewed and I approved changes as needed. I participated in seasonal promotions based on credit criteria’s.

EXPERIENCE

Ana Locklin. Broker, Corona, California

January 2013 to Current

Real Estate Assistant

Board incoming Real Estate loan files

Manage pipeline with a 30 day turnaround

Discuss loan rates and lock options

Contact borrowers with outstanding loan conditions

Review income, assets and credit

Bank of America, Diamond Bar, California

September 2012 through November 2013

Seasoned Real Estate Loan Processor III

Managed daily pipeline of 18 refinance transactions with a 45 day turnaround

Daily discussions with Mortgage Loan Officers regarding mortgage rates and lock policies

Consistent communication with customers and brokers regarding status of transaction

Gathering all items necessary for Mortgage Loan Officer to make a sound lending decision

Kaiser Federal Bank, Covina, California

June 1988 through March 2012

Consumer Loan Supervisor

Daily, reviewed pipelines to ensure accurate timelines and loan funding dates

Supported lending teams in all day to day job functions

Monitored incoming telephone call queue to ensure an abandoned ratio of less than 1%

Reviewed initial loan documents

Reviewed closing documents

Reviewed and updated lending procedures as needed

Participated in all assigned regulation tutorials

Controlled all escalated telephone calls and maintained borrower Complaint Log for Managements monthly review

Reconciled and paid department’s monthly invoices

Maintained appraisers license and Insurance information and presented to the Board of Directors yearly

Solidified relationships with outside vendors

Real Estate/Consumer Loan Processor/Underwriter

Interviewed applicants on the phone or face to face and boarded loans into the Loan Origination Systems

Analyzed applicants financial status and credit history

Daily, prepared applicants needed item letters to ensure faster turnaround time

Updated Loan Origination System with all items received and pending

Prepared initial loan documents

Single lending authority of $50,000 for Consumer products

Single lending authority of $500,000 for Real Estate products

Opened title, escrow and ordered appraisal reports

Reviewed and cleared preliminary title issues

Approved, denied or counter-offered loan files

Prepared closing documents

Ordered tax service contracts and flood certifications

Cleared conditions prior to funding and ordered proceeds for outgoing wires

Loan Servicer

Reviewed post closing documents for accuracy

Followed up on all outstanding trailing documents within 90 days

Tracked all incoming closing documents on the LOS system

Audited closed mortgage loans and shipped to vault

Posted daily payments through interface from the banking system

Disbursed escrow accounts

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