Loan Processor II

* * *** ******** ****** DOWNEY, CA * * * **

( * * 9 ) 8 4 4 - 3 0 48 **************@*****.***

M I K E L L ALVARADO

OBJECTIVE

Administrative Support/Clerical/Mortgage Knowledge/Customer Service

I am a motivated goal orientated, dependable employee that goes above and beyond to complete any task. Over twenty years of clerical and administrative procedures in various office environments.

WORK OF EXPERIENCE

1/2015-11/2023

American Advisors Group/Finance of America Reverse Tulsa, Oklahoma/Remote

Sr. Loan Processor II

Experience of processing HECM and HomeSafe product loans.

Managing a pipeline of 45 or more loans

Handling refinance and purchase transactions.

Providing exquisite customer service to borrowers, brokers, and account executives.

Calculating income for financial assessment requirements from Hud guidelines.

Recognition of most closings in a month company wide.

Processor of the year for 2017.

Currently holds a Federal and KY NMLS license.

10/2014-12/2014

Residential Bancorp

Diamond Bar, California

Loan Processor Duties:

Reviewing file for submission into Underwriting.

Calculating various types of income and scenarios for a variety of federal and private loan programs.

Balancing and adjusting Estimated Hud-1’s for accurate closings.

Working with Mortgage Loan Officers, Senior Underwriters and borrowers in the transaction period of the home loan.

Disclosing fee’s and locks to follow federal and state guidelines.

Checking guidelines on a vast range of loan programs to accommodate the borrower.

Managing a pipeline of 22 or more loans.

Extreme knowledge of VA, FHA, and Conventional home loans.

Working with paperless files with extensive computer expertise. 12/2012-10/2014

South Pacific Financial

Rancho Cucamonga, California

Loan Processor Duties:

Processing and submission to underwriter FHA, VA, Conventional loans including specialty government loans.

Managing pipeline of 20 or more loans.

Coordinating with loan officers for transaction completion. Jr Processor Duties:

Ordering and following up on escrow/title items needed for loan submission, as well as validating information is complete and correct.

Ordering VOE’s, VOD’s, FHA case numbers, credit reports, and Appraisals.

Collaborate with all processing, underwriting and funding staff for file completion quickly and accurately.

Compliance Specialist Duties:

Disclosing revised loan amounts, pricing changes, and locking mortgage bank loans.

Calculating pricing changes in order to validate loan in order to meet guideline criteria for pricing calculation.

Answer emails in a timely order and managing 3 email buckets for various departments.

Working with Mortgage Builder Program, as well as extensive knowledge in various Microsoft Office Suite Programs. 9/2009 – 12/2012

Provident Bank Mortgage

Riverside, California

Loan Processor/Receptionist

Processing FHA, VA, and Conventional Home loans

Ordering all needed government and time sensitive documents to complete file for underwriting

Answering multi-line telephone system and ordering office supplies when needed.

Process loans with the Fannie Mae/Freddie Mac automated underwriting systems.

Managing all office equipment, meetings, and supplies. 10/2007 - 02/2009

IKON Office Solutions

Fontana, California

Production Flow Clerk

Printing orders and following up on order fulfillment.

Assigning manufacturer serial numbers to complete process for shipment to customers.

Correspondence to Sales field representatives for orders currently in work flow pipeline.

Maintaining marketplace spreadsheets for Phoenix, Salt Lake City, Northern California, and Southern California transfer’s centers.

Data entry of transfer center manifests for truck deliveries.

Knowledge of Oracle computer system. Windows 97, Windows Vista, Excel, and Outlook.

4/2000 – 8/2007

National City Mortgage

Riverside, California

Loan Coordinator

Assist several loan officers in customer service, clerical and originating home loans.

Establish and maintain Act Database, including marketing materials.

Providing professional customer service to borrowers needing loan assistance.

Answer multi-line telephones, filing, accounts payable duties. 9/1999 - 4/2000

Remax All Stars

Corona, California

Receptionist

In charge of opening and closing Riverside and Corona branches.

Answering multi-line phones, using alpha-numeric paging system, Word, Excel, Outlook, and input information into MRMLS data system.

Experience working with all general office equipment.

Helping real estate agents and customers with various clerical duties. 2/1999 - 8/1999

Polk Verity

Riverside, California

Human Resources Assistant

Handling confidential employee situations and documents.

Process time sensitive employee records.

Input employee data into company database systems.

Cover Receptionist duties while on leave.

9/1999 – 12/1999

Southwest Airlines

Burbank, California

Customer Service/Gate Agent

Assisting passengers with confirmations of flight tickets of travel and boarding aircraft.

Knowledge of all FAA regulations and rules.

Researched unclaimed baggage as well as tracking lost passenger luggage

Ensured customers with quality customer service. 9/1996 - 8/1998

Dennys Restaurant

Ontario, California

Cashier/Server

Taking, and delivering food orders in a safe and prompt manner.

Greeting and seating customers for food dining experiences.

Handling customer complaints, and operating cash register and completing transactions.

EDUCATION

1994 - 1998 Eric Birch High School Fontana, California 1998 - 1998 International Air Academy Ontario, California 2006 - Present Chaffey College Rancho Cucamonga,

California

REFERENCES

Available Upon Request.

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