Guerda Point du Jour ***** Hawkshead Terrace Silver Spring, MD 20904 301-***-****

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PROFESSIONAL EXPERIENCE

NIH FCU, Washington, DC July 2020 -October 2022

Consumer Lending Processor

● Initiating contact directly with members promptly, to advise of the loan status and discuss loan terms and requirements.

● Requesting supporting documents needed from applicants, reviewing approved applications assigned and analyzing the information for accuracy, addressing any discrepancies, and updating the system, as needed.

● Validating information by performing identity and cross check information for any irregularities.

● Collaborating with Underwriters, Consumer Loan Advisors, front line credit union staff and Management to resolve any member concerns and to provide the best possible member experience, during the loan process.

● Explaining ancillary products and benefits to members and cross-sell other applicable credit union products and services.

● Preparing the closing documents and working with members to ensure accurate understanding of the final loan terms and prompt execution of the loan documents.

● Ensuring that all loan documentation is complete before booking a loan application.

● Ensuring all loan documents are scanned to an imaging system. This includes documents given to the member

(loan documents, disclosures, etc.), documents received from the member/dealership and internal documents

(check copy, receipts, checklist, etc.).

● Booking consumer loan applications and ensuring that the loan approval terms match the loan documents and the funded loan.

● Keeping accurate tracking and log member interactions/contacts within the lending system to ensure accuracy and understanding for others reviewing the application, and for tracking purposes.

● Consistently meeting or exceeding the set individual and department goals for funding and pull-through.

● Maintaining and demonstrating an understanding of the products and services offered by NIHFCU and participating in Credit Union provided training sessions. Utilizing sales and service training to identify cross-sell opportunities to enhance the member relationship with the Credit Union.

● Maintaining thorough knowledge of NIHFCU’s lending programs, guidelines, procedures and regulatory requirements.

Contract roles, Washington, DC October 2018 – February 2020

● Temporary roles with New Concept, American Bank, First Savings Mortgage, USAA Bank, Trelian, Prudential Financial.

● FHA, Fannie Mae, Freddie Mac, Jumbo and Conventional underwriting guidelines.

● Supported projects as directed, meeting and exceeding goals as set forth by Managers.

● Ensured compliance with loan standards, documents, and verified information for accuracy. BANK FUNDS FCU, Washington, DC December 2015-October 2018 Senior Loan Processor

● Reviewed financial statements and contacted institutions and customers to verify income, employment, and assets as well as clarify details.

● Evaluated approvals against pre-established bank and government lending standards.

● Coordinated handling of any conditions as directed from underwriting departments.

● Liaised with customers in person and via telephone to answer any and all questions, process transactions and resolve issues as they arose throughout the loan application process.

● Maintained compliance with privacy and security requirements, as well as federal statutes covering all loans.

● Interviewed clients regarding specific loan needs; paid special attention to their financial histories, and conveyed information regarding the application process as it pertained to their situation.

● Advised clients on the intricacies of loan variations; from mortgage to educational, and personal loans.

● Reconciled debit reports, margin reports and trade settlement reports to reach in-house goals and objectives.

● Upheld complete confidentiality of all submitted information according to release guidelines. Home Point Financial, Rockville, MD December 2014-July 2015 Mortgage Loan Processor

● Ordered and reviewed documents necessary to complete loan candidate files including title, appraisals, flood and insurance.

● Responsibly and thoroughly analyzed ratios (LTV/CLTV, DTI).

● Carefully reviewed and logged information from credit reports, focused on reconciling debt(s).

● Reviewed multiple financial statements and calculated qualifying income accurately.

● Verified funds required for loan closing (e.g. gift money, liquid assets, sale of property, etc.).

● Determined if additional documentation would be required to complete the loan file prior to underwriting. Gold Medal Financial Mortgage, Upper Marlboro, MD October 2013-June 2014 Mortgage Loan Processor

● Compiled a fully formed knowledge of FHA, Fannie Mae, Freddie Mac, Jumbo and Conventional underwriting guidelines and loan processes.

● Accountable for reviewing AUS findings and guidelines prior to loan submission to confirm that the application fits the loan program requirements.

● Prepared and sent disclosures to clients with regard to loan compliance standardsx.

● Responsible for ordering needed services and verifications as needed.

● Managed informing officers, applicants, Realtors, and title company of status updates/changes.

● Maintained records of all loans in process and their review status with the originator(s) regularly.

● Cleared outstanding conditions with underwriter and scheduled loans for closing.

● Maintained an extremely strong attention to detail and organizational skills.

● Excelled at maintaining an exemplary level of autonomous work, but still being part of the team and managed short and long-range goals.

JP Morgan Chase Bank, Falls Church, VA May 2010-September 2013 Senior Loan Processor

● Responsibly managed client files, customer service initiatives and client relations as well as strategic workflow coordination.

● Accountable for reviewing and processing mortgage loan applications (FHA, FNMA, FHLMC, conventional loans credit mortgage loan, Jumbo loans).

● Lead the department in auditing all files prior to closing.

● Monitored rate locks and aged loans.

● Prepared daily Regulation B report.

● Performed random checks on quality of work, ensured that consistency was a focal point of the work the team completed.

● Reviewed documents for acceptability against current loan conditions.

● Ensured that the team understood all policy and procedural guidelines, and followed them daily.

● Averaged a 40+ Loan in pipeline.

Euclid Mortgage Services, LLC, Washington, DC October 2004-September 2009 Senior Loan Processor

● Worked directly with DU and LP automated underwriting systems.

● Maintained a strong knowledge of conventional, FNMA, FHLMC and FHA Guidelines.

● Reviewed and processed mortgage loan applications, income and assets documents for accuracy and issuing appropriate RESPA disclosures.

● Worked with CEO to stream workflow and also worked on closing with underwriters as well as loan officers and title companies for a smooth closing.

Greater Washington Mortgage, Bowie, MD November 2000-October 2004 Loan Officer / Office Manager

● Performed day to day office operations, a wide range of administrative tasks, and duties of a Loan Officer.

● Review, process, and originate home loan applications (FHA, FNMA, conventional prime/sub-prime loans, and credit mortgage loans).

● Issued appropriate RESPA disclosures pulling credit data to qualify borrowers for mortgage request.

● Assessed appropriate credit ratings and providing counseling to clients needing to repair their credit.

● Requested titles and appraisals.

● Verified the accuracy of submitted documentation such as employment, mortgage/rental and assets.

● Finalized loan applications through auditing and performing quality control tasks. EDUCATION

Howard Community College, Columbia, MD

Certificate, Computer Technology Training

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