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Information Real Estate

Grand Prairie, Texas, United States
January 03, 2017

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Responsible for processing residential home loans exhibiting state & federal compliance, underwriting guidelines and credit

Proficiency with DU/LP direct underwriting and loan prospector systems

A clear understanding of the residential mortgage loan process from application through closing

Proficient at Microsoft Office (Word, PowerPoint, Excel), Encompass, LPS, Lexis Nexis, Calyx Point, DU, LP,LPS, RealEC,

Bi-lingual Spanish and English read, write, and speak fluently

Knowledge of FNMA, FHLMC, underwriting guidelines.

Proven ability to maintain constant communication between Loan Originator, Borrower, Realtor, Loan Closer and Underwriter.

Ability to validate income, asset and collateral documents

Analyzing credit documents, mortgage applications, credit history, income documents, title documents, while upholding outstanding quality control and deadlines.

In-depth understanding of Mortgage Originations systems, Encompass,


University North Texas

Bachelors degree in Business Administration.


K-Force (contract assignments) 11-2016- Present

Loan Processor

Organized the details of mortgage loans for review by the underwriter

Ordered verifications of employment, homeowners insurance, appraisals, titles, and payoffs

Communicated directly with loan officer and management as to the stats of mortgage loans

Cleared conditions on files to ensure on time closings

Averaged 115 files per month with personal best of 150 files

Participated in continuous education in the areas of appraisals and income

Experienced in running DU and LP

Completed Fannie Mae training through onsite training and webinars

Responsible for the set up of mortgage loans through inputting information in Empower and for clearing conditions created by underwriters and funders

People’s Equity Mortgage 3-2016 – 8-2016

Loan Officer

Provide sales support and strong communication to customers, processors and management from loan pre-qualification to loan closing, while maintaining production standards at minimum acceptable levels as set by management.

Manage and follow-up on leads generated through various Marketing Department efforts

Provide service to customers and prospective customers seeking residential mortgage loans. Interviews applicants to obtain information concerning their needs to assist in determining whether a loan will be an acceptable risk according to their financial situation and obtains pertinent financial and credit data.

Ensure the preparation and processing of forms and legal documents required for residential loans and follow the loans to ensure compliance with terms. Negotiates terms and conditions with applicants

Assist prospective borrowers in the proper completion of loan applications, provides required disclosures, collects funds for services to be ordered and gathers necessary support documents from prospective borrowers

RCS Mortgage 7- 2012- 03-2016

Mortgage Processor

Pipeline Management – update and track information in Encompass with current and up to date information. Track all items ordered, received and/or still lacking

Verify loan is complete with checklist and accompanying disclosures, documents, needs list, anticipated or confirmed program/investor

Order VA & FHA case numbers and performs case queries

Perform full and comprehensive analysis of income, assets, credit, AUS and DU/LP

Compile and process all documents as received in a timely manner to meet projected close date

Input final information as validated in Encompass and reruns AUS, as applicable, for final loan submission

Perform timely 48 hour initial reviews on each file and is responsible for file flow, status updates and documenting needed information in conversation logs

Order and receive VODs, VOEs, appraisal, title, and etc. as appropriate

Submit complete files to Underwriting based on Investor and/or AUS requirements. Clear any conditions that require communication to the title companies, appraiser, employers, etc

Coordinate submitted files to Underwriting & Closing to meet file expectations

Insure that all required pre-closing quality assurance requirements are met in accordance with company standards.

Responsible for daily updating Encompass with accurate information regarding pipeline

Responsible for assisting the post-closing and/or quality control department in obtaining any missing documentation needed in order to render a loan saleable into the secondary market

Analyze real estate appraisals to determine if collateral is acceptable, analyzing title report and lien information, reviewing all financial statements, and reviewing all additional documentation to determine accuracy and compliance with portfolio and investor guidelines prior to approval.

Bank of America 1- 2012- 7-2012

Jr Underwriter (Contract)

Underwrote conventional loans according to Fannie, Freddie’s and company guidelines specific to product selected

Responsible for underwriting property and credit lender approval, full package final signoff authority.

Decision and condition files accordingly

Analyze borrowers ability to afford a loan modification based upon documented income, assets, and monthly obligations and expenditures.

-Determine borrower eligibility for loss mitigation workouts based upon proprietary, GSE, HUD, and MHA/HAMP criteria.

Analyze borrowers documentation to determine borrower eligibility and compliance with investor guidelines

Review collateral document appraisal in its entirety to assess value

Maintain quality and production standards as defined by business.

Analyze data to manually calculate income front & back end debt ratios

Review credit reports, review asset statements, calculate income documentation, and conditioned for any outstanding required documentation

Analyze Credit Bureau Reports for debt evaluation

Franklin American 11- 2008- 1-2012

Loan Processor/ Account Manager

Review loan packages for missing and/or incomplete information and follows up with borrowers and Mortgage Consultants to complete files

Clear stipulations from underwriters and works with underwriters to overcome unnecessary stipulations

Input/update loans in loan origination system and AUS (DU/LP)

knowledge with reviewing income, asset and appraisal documentation

Prepare/compile documents for loan submissions and closings

Understand internal overlays and outside investor programs and products and compiles information to ensure files meet required guidelines

Respond to all inquiries and questions related to the loan status and keep all informed of the status of their loan throughout the entire process

Audits and prepares quality files that meet closing objectives

Gather follow-up information and satisfy underwriting conditions prior to closing.

Comply/conform to all applicable laws and regulations related to mortgage lending

Review credit reports, review asset statements, calculate income documentation

Reviewed appraisal, income, credit, and asset documentation. Manage queues of loans within time frames

Symetrix Real Estate Loans 2-2005 – 11-2008

Collections/ Loss Mitigation

Contacted account holders regarding accounts and broken promises.

Studied the records of delinquent accounts and contacted the customers to discuss payment arrangements

Record all collection activity in the appropriate collection systems

Document the current status of loans and continuously follow up for pertinent documentation

Used solid judgment and discretion when selecting means of collection based on unique customer circumstances

Served as a contract analyst for Mortgage Company, collected on overdue accounts and worked with delinquents to resolve problems in order to restore loans to good standing

Worked on Loss mitigation loans in a high-volume servicing environment utilizing of collections, bankruptcy and/or foreclosure activities.

Workout programs included modifications, repayment arrangements, short sales, short refinances, claim advances in lieu of foreclosure.

Began the negotiation process with the agent on the sale of the property and also negotiated miscellaneous fees on services rendered to the home

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