Lydia Johnson

ad1ezt@r.postjobfree.com / 240-***-****

Qualification Summary:

-Proficient with Microsoft Office (including Microsoft Word, Excel and Outlook)

-Proficient with RESPA

-Loan Processing

-Commercial Loans

-Underwriting

-Mortgage Loans

-Document Imaging

-Up to date knowledge with state regulations relating to loans and underwriting.

-Worked with FHA, USBA and VA Loans

-FNMA

-Talent for identifying customer needs

-Proactive in searching best solutions to deliver excellent customer service

-Demonstrated ability to gain customer trust

-Generated repeat and referral business

-Highly motivated team player

Technical Knowledge:

-Customer Information Program

-Community Reinvestments Act

-FNMA

-Regulation Z

-Regulation E

-TILA RESPA

-Right to Financial Privacy Act

Certifications

-Certification in Underwriting (ongoing)

Professional Experience:

Bank of the West, City of Industry, CA -

Loan Servicing Insurance Specialist / Loan Processor

(August 2018- December 2020)

-Processing FNMA loans and commercial loan

-Researching Lines of Insurance, both Commercial and Homeowners for adequacy.

-Contacted Insurance Agencies, Relationship Managers, and Funders to obtain Proof of Insurance

-Created and Satisfied Excel Spreadsheet Reports for Upper Management

-Worked with FHA, USBA and VA Loans

-Complied with Regulation Z, Regulation E, TILA RESPA

-Provided Excellent Customer Service

East West Bank, El Monte, CA – Loan Investigator / Loan Processor

(May 2017 – February 2018)

-Researching Lines of Insurance, both Commercial and Homeowners for adequacy.

Contacted Insurance Agencies, Relationship Managers, and Funders to obtain Proof of Insurance

-Created and Satisfied Excel Spreadsheet Reports for Upper Management

-Provided Excellent Customer Service

-Handled commercial loans

-Processed FNMA transactions

MOTOLEASE, LLC, WESTWOOD, CA – UNDERWRITER

(SEPTEMBER 2015 – MARCH 2016)

-Analyzing income, determining eligibility and contacting required third parties. Additionally, required to contact dealers to discuss declined applications and restructures of loan products.

URBAN LENDING SOLUTIONS / BANK OF AMERICA CONTRACTOR, WESTLAKE VILLAGE, CA - HOME SERVICES SPECIALIST II

(FEBRUARY 2015 – AUGUST 2015)

-Reviewing all income documentation, paying particular attention to the clients’ financial trends and confirming accuracy of the risk ratings.

-Calculating mortgage insurance, taxes and income, and ordering subordination requests for current HELOC’s, open title and escrow.

-Providing strong communication skills and analytical skills in regard to credit management for products such as FHA, Conventional, VA, Jumbo, MHA and all applicable HARP Products.

-Analyzing all preliminary title reports to comply with Underwriting guidelines.

-Working closely with Title / Escrow companies and assisting borrowers with clearing any liens on title.

-Managing my pipeline daily by staying completely organized.

-Working directly with borrowers as well as Loan Officers by keeping all interested parties informed of the loan status and progression.

RIGHT START MORTGAGE PASADENA, CA – CREDIT ANALYST/LOAN PROCESSOR

(MAY 2013 - SEPTEMBER 2013)

-Analyzing prospective borrower eligibility per desired loan product, communicating with Underwriting in regard to conditions required by borrower, initiating contact with all interested parties, and updating progress of loan application.

- Requesting required documentation and processed application in a timely and effective manner.

-Completed ACH and GL Transactions

-Complied with Capital Marketing Compliances, as well as Regulations.

GMAC/ ALLY BANK, BURBANK, CA - MORTGAGE LOAN PROCESSOR

(JULY 2012- APRIL 2013)

-Reviewing all income documentation, paying particular attention to the clients’ financial trends and confirming accuracy of the risk ratings.

- Calculating mortgage insurance, taxes and income, along with ordering subordination requests for current HELOC’s and opening title and escrow.

- Providing strong communication skills and analytical skills in regard to credit management for products such as FHA, Conventional, VA, Jumbo, MHA and all applicable HARP Products.

-Analyzing all preliminary title reports to comply with Underwriting guidelines, working closely with Title and Escrow companies, assisting borrowers with clearing any liens on title.

-Managing my pipeline daily by staying completely organized, and working directly with borrowers as well as Loan Officers by keeping all interested parties informed of the loan status and progression.

-Completed ACH and GL Transactions

-Complied with Capital Marketing Compliances, as well as Regulations.

COMMERCIAL LOAN CONSULTANTS, 5400 WILSHIRE, BLVD. LOS ANGELES, CA 90016 - LOAN MODIFICATION PROCESSOR/ CREDIT ANALYST

(SEPTEMBER 2010 – JUNE 2012)

-Processing MHA (Making Home Affordable) Loan Modifications.

-Determining LTV, Dti, as well as analyzing tax returns for eligibility.

-Following up with borrowers to provide required documentation.

-Delivering excellent customer service as well referral business.

PROSPECT MORTGAGE, SHERMAN OAKS, CA - APPRAISAL COORDINATOR

(AUGUST 2009- APRIL 2010)

-Coordinating and assisting in the engagement of real estate appraisals, (Residential and Commercial) and their distribution.

-Maintaining appraisal job files, logs, schedules and following up on orders.

-Ordering revisions, reviewing appraisal for quality control and submitting appraisal to loan officers.

-Assisting in the communication of timely, cost effective appraisal engagements and completing appraisal reviews to the lending staff.

WACHOVIA,FSB ( CONTRACT,AEROTEK), CHARLOTTE,NC- CALL CENTER REPRESENTATIVE

( MAY 2008 - JULY 2009)

-Responsible for responding to incoming Customer Service inquiries, in regard to Financing. Contacted Third Party vendors, and following up with exceptional Customer Service,as well as, Professionalism.

ELITE MORTGAGE, PASADENA, CA - MORTGAGE LOAN PROCESSOR

(JANUARY 2000 – APRIL 2008)

-Entering, verifying, compiling, and imputing financial data on an origination system.

-Assisting prospective borrowers and lenders in verifying application data, including but not limited to, the amount and type of mortgage.

-Communicating with credit bureaus, contacting the borrowers and employer, and establishing relationships with real estate companies and the seller/borrower to get an appraisal of the subject property.

-Issuing flood certificates, verifying HOI, WVOE, ordering title, setting up escrow accounts, and ordering surveys as well as abstracts.

-Responding to inquiries and complaints in a professional, effective manner.

Education and Training:

-HS Diploma, Langston Hughes Academy, Inglewood, CA

-Santa Monica College, Santa Monica, CA (Some Course Work Completed)

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