Homero Solis

**** ********** ***, ***** ** ***** • 949-***-**** • ad1gzy@r.postjobfree.com

SUMMARY

Proven ability to adjust to multiple demands, while meeting service expectations and accurately processing loans. I am a financial professional with excellent interpersonal skills. I take pride in delivering communication through all stages of the loan process. I have experience in building and delegating workloads among a team. I enjoy cultivating professional relationships among my business partners both internal and external. My key strengths are strong time management, identifying risk, and keeping a solution-based approach. Pacific Premier Financial

Senior Processor, Irvine, CA Jan 2022 - May 2022

● Process files from executed letter of interest and till I release the wire and board the loan for servicing.

● Prepare a needs list consisting of outstanding items needed to submit a file for underwriting.

● Create a file for all borrower information, financials etc.

● Gather and review information provided by the borrower

● Review credit report and all other 3rd party reports

● File UCC’s per various UCC requirements

Impac Mortgage Corp.

Sr. Account Manager, Irvine CA Jan 2021-

Present

As a Sr. Wholesale Account Manager, the current focus is on the Non-QM products. I support three AE’s and received their loans once they are UW approved. I review each loan and reach out to the broker directly over the phone to review the loan approval before I request conditions. I gathered as many conditions as possible from that initial phone call. A smooth transition in a dynamic fast paced environment is my goal and setting the expectation early on is key.

● Work diligently on maintaining conditions as they come in the queue and communicate with an updated review to our brokers

● Work towards reaching a final approval within 21 days of approval

● Review and order third party reports for inconsistencies or anything that may appear off.

● Work on re-disclosing LE and CD’s if time permits

● Communicate with the broker and AE as needed

Sprout Mortgage

Sr. Account Manager, Irvine CA Aug 2020- Dec 2020

Maintaining the highest standard of service and quality of work for our brokers. Responsible for facilitating loans in process from initial decision to funding. As an account manager I follow Sprout’s Service level commitment by following turn times, and having a working knowledge of the loan products and guidelines necessary to facilitate a smooth process

● Work directly with brokers on conditions, documents, and questions, excellent multitask skills. Encompass LOS subject matter expert.

● Effectively manage a pipeline of 80+ loans

● Clear conditions in a timely manner

● Organize, index, and evaluate broker uploaded documents

● Pre-screen all conditions before forwarding to underwriting and sending complete files to clear to close

● Keep files compliant by reviewing all 3rd party reports and using my closing experience to generate LE & CDs accurately.

Banc Of California

Sr. Loan Processor, Irvine, CA May 2016-

Aug. 2020

Responsible for a loan transaction after the application is received through the point when the loan transaction is approved by Credit Administration.

● Act as main point of contact for the loan application process with direct interaction with clients, relationship managers and operations management

● Maintained a professional attitude and exercised discretion and prudent judgment moving the loan to the finish line.

● Conduct thorough review of loan files to ensure it includes all the relevant documentation required for the given

● Verified the accuracy, completeness, and adherence to general and transaction specific requirements prior to forwarding the loan file to underwriting for review and approval

● Reviewed and validated entity structure and organizational documents

● Ordered and reviewed flood, good standing, credit reports and OFAC to determine if bank requirements are met and check for other derogatory items that may require additional documentation, alerting underwriting and obtaining approval

● Reviewed preliminary title reports, insurance certificates as needed for the collateral commercial property space leases, calculate leasing commissions and tenant improvement allowances

Construction Administrator Team Lead (Loan Processing and Closing Department)

● Led and facilitated residential and commercial construction loan processing

● Gathered documents from borrowers or entities on approved loans for underwriting final review

● Interfaced with legal counsel and supported the drafting of loan documents and final review of all terms.

● Scheduled the closing with Settlement Company. Process invoices, closing conditions and clear in LOS.

● Provided loan servicing support after funding to activate loan and set up for disbursement.

● Processed loan extension by pulling credit, requesting financials and other pertinent items for UW to review before sending to document department.

● Assisted UW in requesting financial statements and tax returns of borrowers to update in CASH Suite software.

Closing and Purchasing Team Lead

● Provided guidelines and instruction to lending partners as needed for drafting supplement documents for niche products including trusts, blind trusts, LLC, foreign national's loans

● Trained new closing team members on their role and responsibilities

● updated compliance and processes as they arise

● Reviewed and resolve monthly compliance reports on funded loans.

● Point of contact for Underwriting and the Sales team for closing needs.

● Responsible for closing or purchasing escalated, non-standard, time sensitive or high-profile loans

● Assisted in Capital Market trades clearing and providing documentation to receive purchase funds.

● Responsible for the current wet state closing process. HomeBridge Wholesale

Funding Closer, Irvine, CA 2014 - 2016

● Wet state Closer, in charge of scheduling closing, drafting CD and loan documents

● Consistently met closing times, while maintaining a high service level, for a monthly pipeline of 70+ loans

● Reviewed Closing Disclosures, TRIO, GFE'S, UW Approval's, HOI, Fee sheets and all other state specific items prior to drawing documents

● Reviewed data integrity in Encompass with funding check list to ensure loans were disclosed correctly

● Ran Compliance Ease for HUD tolerance.

● Reviewed all relevant fees, pro-rations, seller concessions, dates, and disclosers prior to releasing docs with closing agent

Greenlight Loans, Irvine, CA

Senior Funder 2013 - 2014

● Ensured accuracy of documents, cleared UW conditions, and balanced wires with settlement

● Reviewed and conditioned prior to funding

● Coordinated funding with escrow and title companies with a monthly funding of 90+

● Proficient in-home repairs and hold back underwriting guidelines.

● Comply with FHANA purchase and refinance underwriting guidelines to ensure salability BluFi Lending Corp, Carlsbad, CA

Senior Funder I Doc Specialist, Carlsbad, CA 2012 - 2013

● Compiled preliminary funding requirements and documentation checking for accuracy on underwriter conditions, documentation, and signatures to satisfy prior to funding conditions

● Reviewed loan programs, loan amounts, interest rates, closing cost and minimum investment

requirements and other crucial loan file data.

● Worked regularly with VA, Harp 2.0, FHA, and streamlines along with conventional refinance and purchase loans

● Organized team members to maintain awareness of the different funding requirements and wire instructions, cut off times for our three warehouse lenders.

● Audit disclosures and final HUD's to ensure compliance within loan guidelines and to preserve

the resell value post funding.

Wells Fargo

Senior Funder I Loan Doc Specialist 4, Costa Mesa, CA 2007 - 2011

● Negotiated with customers to overcome objections with rate, terms, or conditions of the approval

● Worked cooperatively with team members, customers, and leadership team to achieve and exceed service levels and department goals

● Worked FHA and VA loans.

ADDITIONAL INFORMATION

Software Experience: Encompass, Doc Magic

Loan Experience: FHA, VA, Non-QM Jumbo Loans, Freddie, and Fannie Mae. Computer Skills: Experience with Microsoft Suite (Word, Excel, Access, and PowerPoint) Proficient with Profit and Loss statements & Calculating income

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