Doris Duarte

954-***-****

QUALIFICATIONS

Thirteen plus years of Mortgage banking experience as a Mortgage Processor & Underwriter, Closer and Loan Customer Services Assistant assisting the loan officer with their clients.

PC experience: Laserpro, Fiserv, Destiny, Encompass, XDoc’s, Doc’s Velocity, Microsoft Office, Windows, Excel, Word, Outlook, Quickbooks, Genesis and Calyx Point.

Bilingual: Spanish/English.

Familiarization with the following: FHA, Conventional, BCD loans, Purchase and Refit’s .Construction loans, Conforming ARMS (1yr, 3yrs and 5yrs), Stated incomes, No income/ No assets, VA loans, Fixed rates and Arms, Manufactured homes/Conv. Foreclosure, REO and loan MOD’s. Escrow analyst and payment made to the county. Insurance and flood certificate verification of policy.

FHA, 3%- 6% Seller Contributions, 80/20 Loans with Credit Report, Debt Consolidations w/ different LTV programs, investors, self-employed borrowers, Adjustments income, Equity loans, Banks, Power of Attorney, Title Policy, Surveys, Reports, Roof reports, Homeowners insurance, Flood and Hazard insurance.

Federal Building inspections, Fannie Mae. Home buyers program, appraisal reports, HUD programs or applications and package And Sales contract, Mortgage Builder, Doc’s Velocity, Destiny, XDoc’s, the work #, Fraud Predator for taxes, FHA Connection, LP, DO, Real Quest, Mortgage Office, Pacer, Quick Books, PowerPoint, Wiring Funds for new purchase loans that were getting transfer to us.

PROFESSIONAL EXPERIENCE

NatBank-Accountemps A Robert Half Company: Temp agency-contract for 8 month ending February 2017-A Canadian bank -Loan Processor and a Mortgage Closer.

Loan Processor responsible for all packages’ received, Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate, processing of mortgages. (applicants and borrowers with problematic credit histories)Review and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submitter. Ensure compliance with company policies, underwriting guidelines and lending-program requirements.

Reviewing credit report on all open account and closed account. Collection, mortgages, bankruptcy, liens that has been reported on the credit report. Address and issue

Review appraisal for value, sale contract for sale price, for any seller concession or for any credit, reviewing title comm., mortgagee clause, vesting on title, and our system. Also responsible to review bank statement ( to make sure were the closing or any down payment came from, look for any large deposit made before and after loan has been send out for loan approval or when we are ready to close. Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title, companies to ensure smooth closings.

Responsible to contact the borrower and request documents, transcripts, credit supplement, review all 1040, 1099, W2’s, 1065, 1120, K1, Schedules C & E and calculate income.

Examines overall loan documentation to ensure accuracy and completeness. Mortgage Closer

Managed and closed all assigned loans, enabling fast closings that were free from errors and issues. ͎ Facilitated closing and disbursement for conventional, mortgage loans. ͎

Gathered closing figures, input closing information and generated loan documentation. ͎ Coordinated with buyers, sellers, title companies, attorneys, escrow agents, surveyors and real estate agents to complete loan submissions and set up closing date and time.

UMAC IT Department

TekPartners- Temp agency- contract for 6 month ending December, 2015 ͎ IT associate -assisting customization of Destiny loan software, providing services to loan offices, processor and underwriter to have the most accurate system they can work and provide services. PO2:

(Division of New Penn Financial): 8/05/2013 – 6/12/15 ͎ Processing Secondary

͎ QC for all open and close loan for resale

͎ Reviewing loans that are already closed.

͎ Quality control for loans before they are sent to investors. ͎ Due diligence for the final purchase and refinance with pending clauses

NEW PENN FINANCIAL

Loan Processor: 3/11/2013 to 8/05/2013

Loan Processor responsible for all packages’ received

Reviewing credit report on all open account and closed account. Collection, mortgages, bankruptcy, liens that has been reported on the credit report. Address and issue

Review appraisal for value, sale contract for sale price, for any seller concession or for any credit, reviewing title comm., mortgagee clause, vesting on title, and our system. Also responsible to review bank statement ( to make sure were the closing or any down payment came from, look for any large deposit made before and after loan has been send out for loan approval or when we are ready to close.

Responsible to contact the borrower and request documents, transcripts, credit supplement, review all 1040, 1099, W2’s, 1065, 1120, K1, Schedules C & E and calculate income.

Examines overall loan documentation to ensure accuracy and completeness. PRIMARY RESIDENTIAL MORTGAGE

Loan Opener and Loan Processor: 9/2011 to 2/2013

Processing all type of loan and program (Conventional, FHA & VA) loan applications

Verified information on the initial loan application by sending out written verifications or verifying information by phone.

Reviewing loan packages, credit reports, appraisals, inspections, title and homeowner insurance

Ordering Case Numbers, DD214’s and other government forms. Submitted complete files to Underwriter for loan approval. Responsible to obtain any additional documentation requested.

My pipeline contained an average of 75 files per month CAPITAL LENDING

Mortgage Underwriter, Loan Closer and Loan Modification: 7/2007 to 8/2011

3+ years of Government or Agency underwriting experience.

Loan closing experience and all of the necessary closing doc’s (mortgage and note)

Extensive knowledge of regulatory/compliance requirements (RESPA, HMDA, Reg Z., etc.)

Extensive experience with fraud management tools currently available in market

Clear understanding of risk management

Ability to succeed in a high paced environment

Able to assess risk on a loan level basis in an efficient manner

Manage a pipeline of 75-100 units monthly

Extensive experience with Doc Magic and FNMA E-Docs

Examines overall loan documentation to ensure accuracy and completeness .

Reviews loan-to value ratio, credit reports, applications, etc., to ensure each loan meets company standards for sales into the secondary market.

Analyzes applicants’ financial status, credit and property evaluation to determine feasibility of granting loan.

Provides an underwriting decision to either approve or deny loans within agency, investor and bank guidelines.

Re-negotiates loans and provides others with assistance in the re-negotiation process based on lending guidelines.

Ensures loan agreements are complete, accurate and in accordance with Bank policy.

Communicates to the Wholesale Mortgage Client, the appropriate information necessary to finalize incomplete loan packages.

Clears all prior to close conditions by collecting required documentation to close conditions and complete the loan file.

Recommends a select group of loans that are outside guidelines to credit risk.

Identifies trends or patterns in data and makes appropriate recommendations to management.

Orients, trains, assists and mentor more junior level Mortgage Underwriters.

Acts as subject matter expert for the team resolving complex underwriting issues.

May analyze or assist underwriters in analyzing complex and diversified credit and property documentation.

Meets established customer service, productivity and quality standards.

Stays abreast of any changes in loan underwriting provisions.

Participates in ongoing training programs as required.

Delivers accurate, responsive and courteous customer service to every customer (internal & external) every time.

Performs other duties as assigned.

SERVICES FINANCE COMPANY, LLC-LENDER COMPANY, Home Improvement Loan Underwriter and Processor for a Lender Institution: 4/2004 to 8/2007

3+ years of Government or Agency underwriting experience

Substantial experience underwriting collateral risk / appraisals and all of the necessary doc’s

Direct Endorsement (DE) preferred and submission thru DU/ LP

Extensive knowledge of regulatory/compliance requirements (RESPA, HMDA, Reg Z., etc.)

Extensive experience with fraud management tools currently available in market

Clear understanding of risk management and processes

Ability to succeed in a high paced environment

Able to assess risk on a loan level basis in an efficient manner

Manage a pipeline of 100-125 units monthly

Extensive experience with Fannie Mae’s Desktop Underwriter and other Mortgage offices systems in the market also short sale, REO, repayment plan and loan modification

Ability to direct and manage a team of 6 subordinate employees 1ST FIDELITY LOAN SERVICING, S&A CAPITAL PARTNERS AND MORTGAGE RESOLUTION SERVICING

Account Manager, Operation Manager & Sr. Residential Loan Underwriter: Mar 1998 – Mar 2004

7+ years of Government or Agency underwriting experience

Verified information on the initial loan application by requesting information from the customer or the loan officer or by phone from independent third parties Audit 1003, credit reports, calculating the DTI

Used online services to order FHA appraisals, case numbers, CAIVRS etc.

Ordered Title and Worked with the Realtor on inspections required

Processed file completely and forwarded to Underwriter for final approval, then obtained any additional information requested by the Underwriter for final approval and then moved file to the Closing Department for completion

Approved or denied residential mortgage loans for Secondary or Portfolio market Lenders

Analyzed files for credit worthiness. Responsible for the escrow of very accounts

Reviewed and evaluated if file had met all DU/LP underwriting guidelines

Ran final DU/LP and signed off on files and sent to closing and the prier the mortgage of mortgage f or recording with the county. Make sure that every note was signed by the borrower

Worked with Processors and loan officers for conditions required to complete file

Evaluated appraisal, credit report, title, lines and judgments, home inspections and compliance of each file to the end Investors guidelines

My pipeline contained 75 to 100 files per month on the average

Underwrote Portfolio loans to lender specifications (in-house Portfolio loans, SHIP loans, Rural Housing, FHA etc.)

HOME INVESTMENT FUNDING

Processing Manager and Sr. Residential Loan Underwriter

Is sued Loan Approvals or Notice of Adverse Actions on all Residential files

Maintained and recorded for HMDA purposes all residential loan applications that were closed, denied, withdrawn, cancelled or closed for incompleteness

Reviewed and responded to Adriatic Compliance reports (internal audits) and completed and forwarded copies of these reports for the Board of Directors monthly review

Maintained and updated (as required) loan manuals for each Secondary and Portfolio investor in the bank’s Lending Portfolio

Worked with each Loan Officer and Approved Third Party Originator (TPO) Broker on an

Individual basis to clarify policy and procedures for doing business with the bank FEDERAL TRUST MORTGAGE

Loan Processor & Sr. Residential Loan,

Position called for taking loan applications for walk in customers and the processing

Of conventional, FHA & VA loan applications

Verified information on the initial loan application by sending out written verifications or

Verifying information by phone

Ordering credit reports, appraisals, inspections, title and surveys

Ordering Case Numbers, DD214’s and other government forms for processing

submitted files to Underwriter for final approval and obtained additional documentation requested

My pipeline contained an average of 75 files per month E.C. MORTGAGE

Loan Processor, Reason for leaving: Relocated.

Approved or denied residential mortgage loans for Secondary or Portfolio market

Lenders. Analyzed files for credit worthiness

Reviewed and evaluated if file had met all DU/LP underwriting guidelines EDUCATION

Academy of the Good Samaritan High School Diploma

A.A in scenes and chemistry in the UNIVERSITY MAYAGUEZ PUERTO RICO UNIVERSITY OF KAMBUCK LICENSE: Mortgage Broker, Processor Certified .Federal Trust Mortgage School: Jr. Underwriter, level 2 Certified .Gold Coast mortgage school ( still attending for renewal of license) CERTIFICATIONS

I'm a notary for the State of Florida. I am a licensed mortgage broker and I’m Bilingual.

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