Lilian Chow-Futtner

**** ********* ** #***

Alexandria, VA 22307

acyuxb@r.postjobfree.com

(C) 571-***-**** * (H) 571-***-****

Objective

Seeking a position in which my skills, organization, and desire for growth will be utilized and challenged in an upbeat environment.

Experience

Prosperity Home Mortgage LLC - May 2016 – Jan 2017 (laid off)

Chantilly, VA

Sr. Mortgage Loan Processor

Processed FHA, VA and Conventional Loans through Encompass.

Managed a pipeline of 18 to 40 loans; closed around 20 loans.

Ordered title insurance, appraisals, HOI, flood certificates, tax certificates, and survey reviewing for problems upon receipt.

WestStar Mortgage, Inc. /J.G. Wentworth Home Lending LLC - May 2014 –Feb 2016

Woodbridge, VA

Sr. Mortgage Loan Processor

Processed FHA, VA and Conventional Loans through Encompass.

Managed a pipeline of 18 to 40 loans, closed around 20 loans.

Ordered title insurance, appraisals, HOI, flood certificates, tax certificates, and survey reviewing for problems upon receipt.

Ever Bank - April 2013 - November 2013

Fairfax, VA

Senior Mortgage Loan Processor III

Processed FHA, VA and Conventional Loans through Encompass.

Managed a pipeline of 18 to 20 loans opening funding.

Pulled Fraud guard and PMI.

Ordered title insurance, appraisal, HOI, flood certificates, tax certificates, and survey reviewing for problems upon receipt.

Capital One Mortgage - June 2010 - February 2013

Bethesda, MD

Senior Mortgage Loan Processor

Processed information and prepared documentation for closing retail mortgage loans (conventional, FHA, VA, purchase and refinance) under various loan programs (HARP, FNMA/FHLMC) in accordance with bank policies, guidelines and procedures.

Managed a pipeline of 40 to 50 loans from opening to funding.

Reviewed loan applications on the “Unifi” system and maintain system accuracy as well as review rate lock and point objectives for accuracy.

Issued and ordered proper disclosures as required by federal regulatory compliance. Set up files and order all necessary exhibits for appraisals, verification of employment, mortgage ratios, assets, and credit reports.

Checked alternative documentation for accuracy and potential problems.

Order title insurance, appraisals, flood certificate, tax certificates, and surveys reviewing for problems upon receipt.

Obtained and reviewed documents for acceptability against loan conditions.

Partnered with loan officers to ensure all information and documentation was proper and complete.

Utilized Unifi System.

Coordinated with borrowers, sellers, title companies, escrow agents, surveyors and real estate agents to obtain additional documentation to ensure compliance.

JP Morgan Chase - February 2005 - May 2010

Falls Church, VA

Senior Mortgage Loan Processor/Underwriter

Managed a pipeline of 80 to 100 loans from opening to funding, with closing of 50-60 per month.

Utilized CLOSR system.

Processed information and prepare documentation for closing retail mortgage loans (conventional, FHA, VA, purchase and refinance) under various loan programs (HARP, FNMA/FHLMC) in accordance with bank policies, guidelines and procedures.

Underwrote the files for “streamline” refinance loans.

Reviewed loan applications on the “Closr” system and maintain system accuracy as well as review rate lock and point objectives for accuracy.

Order title insurance, appraisals, flood certificate, tax certificates, and surveys reviewing for problems upon receipt.

Obtained and reviewed documents for acceptability against loan conditions.

Partnered with loan officers to ensure all information and documentation is proper and complete.

Utilized Unifi System.

Coordinated with borrowers, sellers, title companies, escrow agents, surveyors and real estate agents to obtain additional documentation to ensure compliance.

Education

Heald Business College, Accounting – San Francisco, CA, 1991

Accounting

Skills

10 Key, Encompass, Unify System, Closer System, Lotus Notes, Microsoft Word, basic accounting, type 45-50wpm, and desk calculator. Excellent customer service skills, LP, DU, VA, FHA, conventional loans and fraud guard

Contact this candidate