Laura Zubiate Phone: 801-***-****
**** ****** ****** #*** ~ San Diego, California 92101 ********@*****.***
QUALIFICATIONS
Results-driven and well-organized Senior Loan Processor with the reputation of a goal-oriented visionary and effective communicator. Respond to operational and financial challenges with confidence, determination, and focus. Ability to handle multiple tasks and maintain confidentiality. Proficient in meeting deadlines and work in a team environment. Excellent knowledge of Mortgage Loan operations, underwriting guidelines, policies, and procedures in multiple departments. Core competencies include:
Regulatory Compliance Problem Resolution Customer Relations
Staff Training & Development Planning & Coordinating Strategic Planning
Credit Reviews & Approvals Contract Negotiations Billing/Collections
Cross Functional Team Building Documentation Office Management
Skills: Microsoft Office Suite, Excel, Outlook, Empower, Blitz, ACSS, Vision West, Lotus, Notes,
Data Entry, Select CE, E3, Director, New Image, PowerPoint, Byte, & Lending Portal
PROFESSIONAL EXPERIENCE
UNION BANK, San Diego, CA 2015-Present
Senior Loan Processor
Responsible for verifying, compiling, and encapsulating application information for FHA and Conventional loans; both conforming and non-conforming for California and Washington; Jumbo Loans
Chosen to be part of a small specialty government team assigned to bring VA loans to the bank
IFREEDOM DIRECT, San Diego, CA 2014-2015
Loan Processor
Accountable for validating, gathering, and summarizing submitted information for home loans
Assist the Loan Officers regarding mortgage loans and follow-up with clients to collect all documents necessary to close loan
Exceptional knowledge of VA and FHA Loans – for all 50 States
Outstanding ability to clarify and understand IRS forms, schedules, and ability to determine acceptable cash flow
Comprehend title commitments and can resolve associated problems
Work with Title Companies to acquire current title information (PR) and payoffs
Order transcripts from IRS, Appraisals, and calculate borrower’s income for loan qualification
Review and arrange files in proper stacking before submitting to underwriting
Interface with loan officers to complete underwriter conditions and ensure all documents are in place before closing
BANK OF UTAH, Sandy, UT 2013-2014
Mortgage Loan Processor
Responsible for verifying, compiling, and encapsulating application information for home loans
Assist the Loan Officers regarding mortgage loans and follow-up with clients to collect all documents necessary to close loan
Excellent knowledge of FHA, VA, Conventional, USDA, and Utah Housing Loan programs
Understanding of IRS forms, schedules, and ability to determine acceptable cash flow
Comprehend title commitments and can resolve associated problems
Work with Title Companies to acquire current title information (PR) and payoffs
Order transcripts from IRS, Appraisals, and calculate borrower’s income for loan qualification
Laura Zubiate 801-***-**** ~ ********@*****.*** Page 2
PROFESSIONAL EXPERIENCE (Continued)
SELECT PORTFOLIO SERVICING, INC., Murray, UT 2009-2013
Loan Processor
Analyze, process, approve or reject short sales
Confirm and verify contracts for ratification; review appraisals
Administer detailed documentation for specific mortgage corporations
Evaluate and assess credit history, income, verify proof of funds, and financial statements.
Negotiate and deny short sales, pay-offs, and Deed in Lieu
Advise attorneys, real estate agents, and homeowners of current value of property and essential documentation required
Assess and monitor documents sent to Underwriting
UPSTARTZZ MARKETING, South Jordan, UT 2005-2009
Team Lead/Collections
Supervise and mentor staff
Monitor and evaluate monthly team stats
Direct supervisor’s monthly goals for their individual teams
Account Collections
Prepare and report Credit bureau information and monitor fraudulent accounts
Train new hires
Process time sheets, verify daily paperwork, and assign duties
VERIZON WIRELESS, West Valley City, UT 2004-2005
Customer Service Representative
Discuss, advise, and assist in selection and sale of appropriate products to satisfy customer requirements and desires
Address and resolve client issues, expedite orders, and increase business
Calm and counsel irate and difficult customers, clarifying their needs and recommending appropriate actions
LIQUIDATION UNIVERSE, Murray, UT 2003-2004
Customer Service Representative
Timely assessment and understanding of customer expectations
Maintain existing client accounts and process inbound paperwork after receipt, including system update and customer notification
ONE CALL LOCATORS, Orem, UT 2001-2003
Office Manager/Dispatcher
Interface with utility officials and contractors; analyze and assess discrepancies
Dispatch emergencies and other pertinent information to outside crews
Conduct initial phone interviews for new hires
EDUCATION
SALT LAKE COMMUNITY COLLEGE, Salt Lake City, Utah 2001-2002
General Course Study