Loan Processor
Resume:
Christine Johnson
**** **** ***** *****, *** ****
Dallas, Texas, 75287
*********.*********@*****.***
WORK EXPERIENCE
Pacific Union Financial Farmers Branch, TX
Loan Set-Up Associate August 2016 – November 2016
Responsible for processing FHA, VA, USDA, and Conventional (purchase and refinance) loans from set-up to closing by verifying, compiling and entering borrower information in to loan processing systems.
Sent document packages and files to Guidance and validated documents indexing in eDocs/DMS.
Completed loan data entry, verified, and analyzed loan documentation in DataTrac including Note, borrower employment, real estate information, credit, borrower and NMLS information, LTV calculations, while maintaining strict compliance with company policies and guidelines.
Set up files appraisals, flood certs, mortgage insurance certificate, insurance policy, credit scores, AUS findings (LP, DU, GUS), VA Loan Summary, VA Loan Comparison, and FHA Caivrs numbers.
Review and verify borrower's Initial and Final 1003, Initial and Final Closing Disclosure, and Initial and Final Loan Estimate to ensure precise documentation of borrower(s) information and to confirm accuracy.
Assist the Loan Processor to clear outstanding conditions.
Submit files to underwriting after verifying and validating loan information have been complied and processed efficiently and effectively.
Fidelity National Title Plano, TX
Post-Closing Coordinator February 2016 – May 2016
Reviewed and verified Title Commitment/Policy, Settlement, Closing Disclosure, Deed of Trust, Note, Lien Releases, Subordinations, Payoff/Payoff statements, Closing Package, and Loan Estimate documents on borrower loans.
Ensured loans did not surpass high-cost guidelines and that all underwriting conditions through RESPA were satisfied and in the file.
Properly quality controlled all documents as set forth by the client per lender.
Contacted appropriate agencies via phone or via email for incomplete or missing information/documents related to electronic recordation of mortgage documents.
Reviewed loan files in pipeline and title commitments for document details, data completion, and accuracy of loans to ensure compliance with lender guidelines are met.
Created spreadsheets documenting all daily progress to be submitted weekly and monthly as a means for progress reporting.
Capital One Frisco, TX
Mortgage Loan Coordinator October 2015 – February 2016
Answered approximately 50-75 incoming customer calls received through Avaya system daily.
Provided customers with information requested through verbal or written correspondence regarding loan information, payoff statements, monthly mortgage statements for 1st loan and HELOC loans, documents copies, and loan account history.
Comprehending and clarifying origination of mortgage loan documents such as Loan Estimate, Deed of Trust, Note, Final Addendum 1003, Closing Disclosure.
Apply mortgage payments to borrowers loan account, respond to inquiries regarding hazard and flood insurance issues and disbursements, and respond to inquiries regarding tax issues and disbursements.
Review and explain escrow disclosure statements including account shortages and overages.
Discuss and respond to inquiries regarding loan types and terms (VA, FHA, Conventional, ARM, and Interest Only).
Identify possible suspicious activity or fraud during while performing Loan Servicing activities, including possible fraud from the Origination of the loan, and make appropriate referrals for further investigation.
Hyundai America Shipping Agency Irving, TX
Billing and Collections Coordinator July 2014 – July 2015
Accurately matched, batched, coded, and entered invoices along with posted and reconciled batches.
Coded invoices with correct general ledger account number.
Received inbound and made outbound calls from/to customers about accounts as well as any delinquent statuses.
Identified, researched and resolved account issues with contracted vendors.
Requested necessary documentation when missing from clients as well as submitted all required documentation with invoice before processing.
Prepared, edited, and submitted account billing invoices in accordance with client contract or payer guidelines.
Performed required re-billing of invoices to vendors through company database systems.
Ensured all invoices were submitted accurately and timely per policy and procedures.
Wingspan Portfolio Advisors Frisco, TX
Default Customer Service Specialist May 2011 – May 2014
Maintained a high level of expertise in the subject areas dealing with escalated default and non-default loan mortgage complaints from homeowners with Fannie Mac, VA, HAMP/Non-HAMP, Conventional, Freddie Mac, NACA, and FHA loan types.
Followed policies and procedures of RESPA, regulations of consumer equality through federal guidelines, and investor guidelines.
Identified and analyzed escalated inquiries through verbal and written communication from government entities, unauthorized and authorized third parties, Consumer Financial Protection Bureau website, and homeowners through research of various database systems.
Researched data and provided resolutions in verbal and/or free form written correspondences concerning referenced cases dealing with foreclosure, bankruptcy, misapplied payments, loan modifications, escrow, short sales, and deed in lieu.
Supported Team Leads with daily tracking reports for Compliance, Quality Assurance in Monitoring, and Average loans worked per day.
Ability to work in a high volume and fast-paced environment while meeting deadlines balancing the needs of the business and the customer.
Critical thinking was required to provide resolutions must be clear and meet the customer’s needs with one interaction.
EDUCATION
DALLAS BAPTIST UNIVERSITY Dallas, TX
Accounting Candidate, Expected graduation, Summer 2018
COLLIN COUNTY COMMUNITY COLLEGE Frisco, TX
Associates of Arts Degree in Business Administration- Fall 2014
ADDITIONAL SKILLS
Core Competencies: • Current working knowledge of mortgage options (i.e. purchases, refinances, loan modifications, short sale, deed in lieu and foreclosure). • Ability to organize, prioritize and distribute workload for optimum efficiency. • Solves problems with a sense of urgency by recognizing opportunities, understanding risks and acting quickly to overcome obstacles and reach a solution. • Capacity to resolve conflict effectively. • Excellent written, oral, and analytical skills required • Strong team player with a high level of professionalism and initiative. • Adaptability • Analytical • Problem solving skills • Self-Motivated • Proactive • Quality minded • Deadline setter
System Proficiency: •Microsoft Office (Word, Outlook, Excel, Power Point) •Data Entry (10- Key Proficient) •Resware •Siebel System: AS/400, LAMP, Citrix, Homesaver •GAUS system •MSP system •Sassy• DataTrac • NMLS website • Guidance Solution • FileBound
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