Sonia Y Chapel

**** ********* **. *****, ** ***** Mobile: 224-***-**** ad0t8p@r.postjobfree.com

Objective:

To obtain a challenging and rewarding position where my prior experience and knowledge would be of value and my willingness to learn, an asset to your organization

Experience:

04/2022 to Present Guaranteed Rate Chicago, IL

Consultant Vice President

CVP Help Desk

Act on VP’s behalf for license activity during their basic training and while licenses to be transferred.

Support VP with new loan applications and with systems training

Meet or Call Clients to take loan applications. Pull credit and review with borrowers

Proficient working with automated underwriting systems (DU/LP).

Calculate income for qualifying clients. Provide Pre-Approval letters for clients.

Collect all financial documentations, review income, and prepared files for processing.

Check rate locks, lock loans.

Maintain and update all parties involved in the loan transaction.

10/2016-04/2022 Fairway Independent Mortgage Corp Arlington Heights, IL

Loan Officer

Meet or Call Clients to take loan applications. Pull credit and review with borrowers

Complete disclosures to send out to borrowers within 3 days of generation loan applications.

Proficient working with automated underwriting systems (DU/LP).

Calculate income for qualifying clients. Provide Pre-Approval letters for clients.

Collect all financial documentations, review income, and prepared files for processing.

Check rate locks, lock loans.

Prepared Ihda, pre-closing and closing forms and do reservations of funds. Lock Ihda loans.

Once loans are approved, collect conditions from borrowers and get loans clear to close.

Once the loans are clear to close send final commitment to seller/buyers attorney to schedule the closing.

Maintain and update all parties involved in the loan transaction.

03/2016-10/2016 Academy Mortgage Corp Rolling Meadows, IL

Loan Officer Assistant:

Meet or Call Clients to take loan applications. Pull credit and review with borrowers or loan officers. Complete disclosures to send out to borrowers within 3 days of generation loan applications.

Proficient working with automated underwriting systems (DU/LP).

Calculate income for qualifying clients. Provide Pre-Approval letters for clients.

Collect all financial documentations, review income, and prepared files for processing.

Order Titles, 4506T and review quotes for PIM. Check rate locks for loan officers and review to lock loans.

Prepared Ihda, pre-closing and closing forms and do reservations of funds. Lock Ihda loans.

Once loans are approved, collect conditions from borrowers and get loans clear to close.

Once the loans are clear to close send final commitment to seller/buyers attorney to schedule the closing.

Maintain and update loan data for loan officers.

06/2013-02/2016 1st Advantage Mortgage Schaumburg, IL

Loan Officer Assistant:

Review and complete loan applications. Send disclosures to borrowers for signatures.

Proficient working with automated underwriting systems (DU/LP).

Calculate income for qualifying clients. Provide Pre-Approval letters for clients.

Collect all financial documentations, review income, and prepared files for processing.

Order Titles, Appraisals and review quotes for PIM. Check pricing for loans, review pricing with LO and lock loans.

Once loans are approved, collect conditions from borrowers and get loans clear to close.

Once the loans are clear to close get loans schedule for closing.

Maintain and update loan data for loan officers.

09/2012-04/13 Prospect Mortgage, LLC Schaumburg, IL

Follow underwriting policies and guidelines to process, close and fund loans.

Run DU or LP to process loans and provide documentation needed.

Open files received from loan officers within three days. Verified all initial income documentation submitted.

Make welcome calls to borrowers to explain the process of the loan.

Keep loan officers updated during the process of the loan via pipelines review weekly.

Review, process, update information in the system (Pro-Net) and submit files for approval to underwriting.

Make approval calls to borrowers and loan officers to go over conditions needed to proceed with the loan.

Conditions review, clear processor conditions and re-submit files to underwriting for final approval.

Complete file and set up closings with borrowers and with the title companies.

Order, Title, Appraisals, HOI, and verification of employment.

2008 – 08/12 Bank of America, N.A Rolling Meadows, IL HSSII

2006 – 2008 Countrywide Home Loans Rolling Meadows, IL Funding/Post Closing Coordinator

2003-2006 Countrywide Home Loans Rolling Meadows, IL Senior Funder

Diploma Elk Grove High School Elk Grove Village, IL

Summary of Qualifications:

Office 2007 & 2010

Excellent customer service to meet borrower’s expectations.

Excellent organization, communication and planning/schedule management skills.

Excellent leadership coaching and training skills.

Knowledge with Conventional, FHA, VA, JUMBO and Ihda loans.

Fluent in English and Spanish.

Personal and Employment references are available upon request

Contact this candidate