Real Estate Loan Processor

SANDRA I. PALOMINO

Sparks, NV 775-***-**** ***********@*****.***

HOME LOAN PROCESSOR

Accomplished and energetic Senior Loan Processor with a solid history of achievement in processing various loan types. Proven history of managing high-volume loan paperwork in dynamic environments with high production, approval, and customer relations targets. Competent in reviewing and validating personal, employment, and financial histories for each applicant. Self-motivated Leader with strong organizational skills and prioritization abilities. Eager to join a reputable organization and become a partner in achieving company goals. Proficient in Spanish and read, write, and speak.

AREAS OF EXPERTISE

Mortgage Loan Operations Loan Verification Credit Checks Time Management Problem-Solving Excellent Verbal, Written & Interpersonal Communication Real Estate Appraisals Title Reports Real Estate Transactions Performance Objectives Mentoring Peer-Coaching TRID Knowledge Microsoft Suite Banking & Mortgage software CORE DU/LP VA LAPP SARS etc.

PROFESSIONAL EXPERIENCE

Wells Fargo Bank, Reno, NV 2016 - 2023

Senior Mortgage Processor

Processing of refinance and purchase mortgages for a Large, FDIC-insured mortgage bank. Loans consisted of FHA, Fannie Mae, Freddie Mac, and VA loan programs.

Utilized Safe certified and knowledge of investor guidelines. Provided verification, review, and accuracy of customer’s documents. Maintained a pipeline of 40-50 loans.

Worked directly with sales and borrowers to obtain all relevant documentation necessary to complete underwriting requirements, review for accuracy, and verify commitment dates were met as agreed.

Responsible for all submissions to underwriting for approval, title requests, and review, appraisal order and review, cleared all underwriting conditions, scheduling, and quality assurance review.

Determined income calculations, with working knowledge of credit reports, DTI and LTV ratios, appraisal, and title insurance. Trained newly hired loan processors.

Resolved customer complaints or concerns resulting in high customer satisfaction.

Verified and validated all documents received and confirmed documents that meet those required by various authorities including but not limited to FNMA, FHLMC, HUD, DE, and individual investors.

Studied and interpreted HUD 1 to identify deficiencies.

Examined Borrower Returns, Paystubs, W2s, Financial Statements, Credit Reports, etc. to determine applicant creditworthiness by assessing financial situation and risk of default.

Maverick Finance, Reno, NV 2015 - 2016

Office Manager

Approved personal loans within specified limits and interacted with customers.

Researched and resolved customer issues. Financial analysis to assist customers in meeting their financial needs.

Proactively engaging with customers and explained credit options to specific needs.

Built strong relationships with customers by educating them on the complexities of loan applications to ensure as successful of an outcome as possible.

Managed investment options for customers.

Reviewed loan agreements to ensure that they were complete and accurate according to policy.

BILLINGUAL

English Proficient in Spanish Read, write, and speak.

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