Loan Processor Officer
Resume:
Brenda Amezcua-Perez
********@*****.***
Experience/Work History:
Loan Processor / August 2021- October 2022 / Alcole Capital, El Segundo, CA, 25hr/Week, Flexible Schedule, Remote Job
First point of contact/dedicated processor for customers soliciting information and/or applying for a loan
Quickly develop and maintain a good rapport with borrowers/potential borrowers, utilizing all methods of communication including, but not limited to email, phone, text, chat, fax, and other methods internally built into the web-based system
Gather initial required information from borrowers to initiate loan process; create preliminary needs list based on information obtained
Review all incoming documentation to determine relevance and ensure accuracy
Obtain third party quotes for Appraisals, Escrow, Title, and environmental studies
Prepare and complete loan files for submission to lender
Act as a liaison between Loan Officer and Lender, communicating professionally and clearly, both in writing and verbally
Work closely with lender to expedite loan approval and closing process
Follow-up with all parties involved in loan transaction by providing options, solutions, status updates Request additional/missing documentation as required, maintaining a friendly/professional communication style
Provide administrative support to Loan Officer as needed
Maintain and simultaneously manage a pipeline of 10+ loans consistently paying attention to detail, ensuring accurate data entry, and desired results/expectations are met
Manage competing priorities, search for solutions, adjusting as necessary to ensure client needs are met and timeliness of overall business process is maintained
Manage a flexible schedule, consistently staying engaged, motivated, and solutions-oriented ensuring efficiency in a business processing environment
Senior Mortgage Loan Processor / March 2020- August 2021 /Xceed Financial Credit Union / Kinecta Federal Credit Union, El Segundo, CA, 40hrs/Week F/T Schedule, Remote Job
Analyze mortgage application for completeness/accuracy of file, ensuring compliance with all applicable legal, regulatory, and underwriting/investor requirements
Review credit reports, preliminary title report, flood certifications, appraisals, income\asset documentation prior to underwriting
Responsible for initial contact with member and providing support to loan officer throughout the process,
Follow up on all underwriting and compliance related Approval conditions
Develop and maintain a general knowledge of all loan real estate programs
Cross train and assist with onboarding new hires, ensuring an organized and detail-oriented method
Support and assist the closing team in tasks determined to be necessary
Interact/work with other departments while performing daily associated tasks, maintaining excellent written, verbal, and remote communication
Ensure compliance with Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements
Maintain and simultaneously manage a pipeline of over 25 loans
Mortgage Loan Processor II / January 2018- March 2020 / California Credit Union, Glendale, CA, 40hrs/Week F/T Schedule
Support Management by providing New Hire Training in Lending Software, Policies, Procedures, and Guidelines, focusing on individual production while maintaining a strong team bond and a results-driven mindset
Assist in training new staff on computer/data entry, ensuring proficiency in this area
Input loan information into system ensuring accuracy and efficiency from initiation
Responsible for mortgage loan from the receipt of application through funding, including ensuring completeness of file, initial contact with borrower while delivering member focused, outstanding, customer service
Ensure member is aware of the entire process by demonstrating broad knowledge of loan processing and related requirements, including all phases of the loan processes from Sales through Funding
Serve as the communication bridge with loan/escrow officers, underwriters, and lending/servicing specialists
Prior to underwriting: analyze and evaluate automated decision findings for recommendations, evaluate credit reports, income\asset documentation to ensure borrower meets guidelines and percentages (ratios, i.e., DTI/LTV/CLTV)
Follow up on all underwriting and compliance related Pre-Approval conditions.
Disclose Loan Estimates and Closing Disclosure efficiently, while abiding by Federal and State regulations
Effectively assign, coordinate, and evaluate the work of assigned staff ensuring accuracy and efficiency
Maintain an organized and detailed oriented focus
Maintain and manage a pipeline of over 30 loans simultaneously
Mortgage Loan Processor / July 2015 to January 2018 / California Credit Union, Glendale, CA, 40hrs/Week F/T Schedule
Input loan information into system ensuring accuracy and efficiency from initiation.
Responsible for mortgage loan from the receipt of application through funding, including ensuring completeness of file, initial contact with borrower, and serving as the communication bridge with loan/escrow officers, underwriters, and lending/servicing specialists included in process through funding
Run automated decision findings, review credit reports, preliminary title report, flood certifications, appraisals, income\asset documentation
Follow up on all underwriting and compliance related Pre-Approval conditions
Disclose Loan Estimates and Closing Disclosure efficiently, while abiding by Federal and State regulations
Open Membership for borrowers currently in a Real Estate Loan Transaction
Maintain and manage a pipeline of over 20 loans simultaneously
Jr. Loan Processor / July 2014 to July 2015 / California Credit Union, Glendale, CA, 40hrs/Week F/T Schedule
Review loan applications/files for accuracy, and missing documents, analyze data and create professional documentation in form of spreadsheets/graphs/word documents for production meetings
Identify requirements for underwriting team to efficiently render a loan decision
Maintain constant communication with borrowers, provide loan status and ensure essential information/documents is obtained
Cultivate professional relationships with Appraisers, Escrow\ Title companies, and other external vendors, fostering the utmost level of service
Ensure loans meet regulatory compliance requirements
Create and maintain sales/progress reports for leadership team
Assist management team in interpreting guidelines/data/production metrics while providing training tools for lending database
Prepare files for Quality Control
Maintain and manage a pipeline of over 10 loans simultaneously
Loan Production Assistant / January 2013 to July 2014 / California Credit Union, Glendale, CA, 40hrs/Week F/T Schedule
Maintain a clean pipeline for Loan Officers by generating/maintaining reports while consistently communicating and following up on files
Obtain all required documentation; ensuring file is stacked in accordance with compliance stacking sheet (checklist)
Ensure all loans are current, complete, accurate and within compliance standards prior to submitting for processing
Manage Home Mortgage Disclosure Act (HMDA) pipeline reports on a weekly basis
Fill in for Operations/Support staff by overseeing monthly sales and incentive reports.
Maintain constant communication with borrowers, following up on issues and/or requests.
Assist the real estate operation team during busy times of the month with funding files and obtaining required documentation to satisfy loan conditions
Education / Professional Certifications:
El Camino College
Torrance, CA
Certificate of Completion – Real Estate Law
Leuzinger High School
Lawndale, CA, Los Angeles
High School Diploma
Skills/Accomplishments
Proficient with Encompass, Lending QB, Loans PQ, among other web-based systems
Proficient with Microsoft Suite (Microsoft Windows, Word, Excel, Outlook, PowerPoint)
Proficient with Online communication tools such as webchat and texting
Knowledge of TRID Compliance, Regulation B, Regulation Z, FNMA, FHA, VA
Disclosing of Loans
Over 9 Years Real Estate Lending Experience
Over 7 Years Mortgage Loan Processing Experience
Maintain a clean background and re-certify as required for employment
Maintain current licenses and certifications as required for employment
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