Customer Service Microsoft Office

VASHUNDA BOOKER

Phone: 214-***-**** Email: ************@*****.***

PROFESSIONAL PROFILE

Mortgage Professional with over 10 years of comprehensive experience in the diverse sectors of Mortgage Banking, including Loan Processing, Mortgage Closing/Funding, Jr. Underwriting, and HMDA Compliance

AREAS OF EXCELLENCE

Regulatory Compliance

Microsoft Office Suite

Loan Processing & Closing

Project Management

Front Line Underwriting

Credit Analysis

Collateral Review

Due Diligence

LPS, Calyx, IDS

Encompass, Data Trac, Pro Lender

SharePoint, MSP, LenderLive

PROFESSIONAL EXPERIENCE

Mortgage Financial Services Flower Mound, TX

Mortgage Closer/ Funder/Legal Doc Preparer(2015– Present)

Manage pipeline for loans that are cleared-to-close and ready for closing documents to be prepared;

Closely examine all information pertaining to fees, rates, property information, vesting, etc. in loan file to ensure accuracy prior to drawing documents.

Look over all third-party invoices confirming they match those fees displayed on the final CD( Closing Disclosure)

Review Fraud Guard for any MERS updated information and third-party alerts. If new, third-parties entered into the LOS, re-run Fraud Guard.

Ensure that all Prior to Doc conditions have been reviewed and signed off by Underwriter.

Check title report for correct endorsements and approved items, and to verify that Borrower and property are correct.

Complete all required worksheets and checklists including Hazard Worksheet, Tax Worksheet and closing checklist.

Conduct compliance review of GFE, TILA and Compliance Ease, and validate that the loan passes all federal and state rules.

Specialize in FHA, VA, USDA, And BOND Loans

Coordinate and schedule loan closing.

Clayx Point Dallas, TX

Point Loan Processor (2013-2015) Part Time

Assemble documents, data and information from multiple systems and organize them as required

Monitor reports on a daily/weekly/monthly basis in order to effectively manage the pipeline, keeping within investor/client guidelines

Analyze Servicing file to determine if all required loss mitigation activities were handled and document in accordance with the requirements of HAMP, proprietary modification guidelines or other programs requirement as they pertain to the time of the Foreclosure process, prior to making the final foreclosure determination

Provide proactive communication with client underwriting and other client departments as necessary to ensure accurate and timely completion of file documentation

Maintain extensive and up-to-date knowledge with respect to GSE requirements and guidelines, as well as other investor's rules and PMI requirements

Recovco Mortgage Irving, TX

Mortgage Closer (2014 – 2015)

Completed review of loan file to ensure compliance with closing/funding requirements

Advised attorney and/or title company of all closing charges and special conditions

Verified all loan approval conditions have been properly satisfied

Reviewed documents for accuracy, investor guidelines, and requirements for the specific product code (i.e., margins, caps, buy downs, etc.)

Prior to funding authorization, coordinated receipt and verified accuracy of HUD-1 Settlement Statement against data in Encompass

Verified HUD-1 meets all requirements of pre-closing quality assurance validation

Express 1 Mortgage Garland, TX

Sr. Loan Processor(2009 – 2013)

Performed risk layering analysis on newly-acquired FHA/VA & Conventional loans based on investor guidelines, CFPB Qualified Mortgage rules, and other federal regulations

Underwrote correspondent mortgage loans to FNMA, FHLMC, and private investors

Determined disposition of loan by ensuring income, asset, credit, and collateral review documentation provided in package met lender and regulatory agency requirements for salability

Consistently met deadlines while demonstrating strong analytical and problem solving skills to achieve business objectives

Applied specialized knowledge to the interpretation of loan underwriting criteria including collateral review and the determination of underwriting decisions and final course of action

Green Tree Servicing Dallas, TX

Jr. Underwriter(2005 – 2009)

Reviewed and analyzed borrower profiles, tax returns, title reports, credit reports, income documentation and appraisal products when submitted as requested by underwriter

Received and logged loan conditions and prepared files for loan documents

Liaison between the Customer Service and Underwriting teams on file status

Proficient in automated underwriting applications with ability to assess results

Cleared conditions for all Resubs

Stayed informed on compliance requirements and investor guidelines

Mortgage Outreach Services Dallas, TX

Loan Processor(2003 – 2005)

Provided direct supervision to the processing team; assisted in the development and performance of the team; ranked above average in processing

Maintained and updated pipeline; ordered credit reports, title reports, and appraisals,VOEs, VODs and VOM.

Collected required documents from borrowers and followed up as necessary

Calculated income DTIs and LTVs to ensure loan guidelines were met

Reviewed HUD 1 settlement for accuracy

Stayed informed on compliance requirements and investor guidelines

Maintained 60-75 in pipeline closing average of 20-35 loans per month

Maintained pipelines and collected all required documents before submitting to UW

EDUCATION

Hillcrest High School(Dallas, TX) – Diploma

Eastfield College (Mesquite, TX) – Some Business Coursework Completed

Contact this candidate