Charleen Loiacono

Canyon Lake, CA

ad2ja2@r.postjobfree.com

+1-951-***-****

I am seeking an opportunity to use my talents and experience to enhance the success of your company.

Work Experience

Loan Processor - Remote

HomeStreet Bank - Brea, CA

November 2020 to January 2023

• Collecting/ reviewing commercial loan documents for accuracy

• Examine Liao applications for all required supporting documents

• Order compliance & 3rd party reports

• Reach out to the broker title escrow, closers and underwriters for corrected or outstanding documentation.

Quality Assurance Specialist

Home Street Bank - Brea, CA

November 2018 to January 2020

• Reviewing commercial processing loan file/documents from the K: Drive for accuracy and indexing documents into the OnBase Drive for Loan Sales.

• Reach out to the Closers, Processors, Underwrites for corrected or outstanding documents. Executive Loan Services

Corona, CA

August 2016 to May 2017

• Monitoring accounts to identify overdue payments. Contacting debtors to arrange payments and/or payoffs.

• Keeping accurate records and reporting on collection activity. Senior Analyst - Underwriting Review

Promontory Financial - Orange, CA

January 2013 to January 2015

• Review service-provider customer complaint, mortgage loan documentation and decision for accuracy and completeness. Validate servicer computations or borrower indebtedness, financial condition and refund remediation.

• Condition complaint and loan files for missing documentation in a clear, concise, and respectful manner.

• Enter data in proprietary case management system. Draft loan-level comments in accordance with client policy and procedure.

• Review and analyze complaint and loan data as required by the scope of the review, which may include verification of data against multiple sets of guidelines.

• Demonstrate an in-depth understanding of Federal, multi state local mortgage compliance regulations. SBA Sr. Credit Resolution Specialist

First Citizens Bank - Temecula, CA

August 2009 to July 2012

• Manage SBA UPP Loan Portfolio (approx. 1400 loans) Loan Modifications.

• Analyze applicant's financial status, credit, and property to determine feasibility of granting loan modifications.

• Work with clients to identify their financial goals and to find a way of reaching those goals.

• Give clients direction in improving derogatory history accounts to increase fico score and become lender ready.

• Originate and Set up loan modifications to submit for approval.

• Developing and maintaining strong relationships directly with customers.

• Determine the applicant's income, assets and liabilities.

• Verify the borrower's information, contacting credit companies, tax controller, and title.

• Input all documents into a system.

• Explain the different Loan modification programs available and requirements.

• Determine whether to approve or deny the application based on the acquired data.

• Loan Collections.

• Answer 120-140 customer calls daily.

SBA Sr. Credit Resolution Specialist

Temecula Valley Bank - Temecula, CA

May 2007 to August 2009

• Analyze applicant's financial status, credit, and property to determine feasibility of granting loan modifications.

• Work with clients to identify their financial goals and to find a way of reaching those goals.

• Give clients direction in improving derogatory history accounts to increase fico score and become lender ready.

• Originate and Set up loan modifications to submit for approval.

• Developing and maintaining strong relationships directly with customers.

• Determine the applicant's income, assets and liabilities.

• Verify the borrower's information, contacting credit companies, tax controller, and title.

• Input all documents into a system.

• Explain the different Loan modification programs available and requirements.

• Determine whether to approve or deny the application based on the acquired data.

• Loan Collections.

• Answer 120-140 customer calls daily.

Contract Underwriter

The Bohan Group - Irvine, CA

May 2006 to May 2007

• Analyze financial status; employment history, type of income documentation.

• Determine the applicant's income, assets and liabilities.

• Analyze property values; Appraisals and LTV.

• Analyze applicant's financial status, credit, and property to determine feasibility of granting loans.

• Confirm Interest rate accuracy.

• Input all documents into a system.

• Review and confirm loans are underwritten to loan guidelines.

• Confirm Ability, Willingness and Security.

Account Executive-Corporate Division

Financial Title Company - Anaheim, CA

March 2005 to December 2005

• Call on brokers to acquire new leads / Presentations.

• Develop and maintain business relationships with mortgage brokers.

• Extensive communication with borrowers, brokers, and loan consultants. Education

High school or equivalent

Diamond Bar High School

Skills

• Loan Collections

• Loan Modifications

• Underwriter

• Processor

• Site Visits

• Auditing

• Pre-qualify/Package loans to program, guidelines and Pricing

• Customer Service

• Team Building

• Time-Management

• Quality Assurance

• Microsoft Office

• Filing

• Adobe

• Servicing Actions

• Detail Oriented

• Originate and submit complete and accurate loan packages

• Monitor and manage loans with support to Account Manager

• Character, Capacity, Credit, Collateral

• Working with a 3rd party bank auditing foreclosures for the bank

• Loss Mitigation/Underwriting

• PC Skills- Including but not limited to, Microsoft Office, Excel, Word, Webex, and OnBase ACCOMPLISHMENT PROFILE

• Commended for excellence in customer service and support.

• Communicate proactively in person, E-mails, or via telecommunication systems.

• Outstanding client management skills Manage SBA UPP Loan Portfolio (approx. 1400 loans), Loan Modifications / SBA Collections, Strong Customer Service, conduct site visits, and servicing actions, Process conventional home loans, Wholesale home loans, 2nd Trust Deeds and Equity Lines.

• Afford close attention to detail Underwriting to guidelines, Level "B" Audit. (Brokers on the watch list.) Responsible for auditing, conditioning, approving and/or declining the loan.) Objective of the Level B Audit is to prevent fraudulent activity within the Broker Loans submitted.

• Pre and Post Funding Audit

• A persuasive 'can do' attitude that elevates higher company standards and strengthens customer relationships.

• Test Cases

• Mortgage Servicing

Contact this candidate