Sr. Loan Processor
Resume:
Susan Morales
Mortgage Veteran
Houston, TX *****
*************************@***********.***
• 30 years of diversified mortgage experience with Mortgage Companies, Builders, Banks and Title Companies.
• Accomplished at FHA, VA, and Conventional, Construction, Home Equity, Sub-prime, and Home Improvement.
• Excellent Communications and Customer Service Skills for over 30 years. Accomplishments:
• Assisted management in providing leadership, mentoring, and coaching for a group of Loan Officers and Loan Coordinators.
• Obtained, prepared, and analyzed all loan information and documents, closed loans, and conveying title, properly collecting and disbursing funds, and accurately documenting file within compliance.
• Provide and promote excellent service with internal and external customers.
• Maintain contacts with internal Loan Originators and outside agencies (e.g. Title Companies, Realtors, Investors, and Lenders.)
• Trained and assisted all originating and processing personnel.
• Ordered Mortgage Insurance, Credit Reports, Flood Certifications, and Desk Reviews on appraisals for new loans.
• Underwrote loan files to determine the financial status and credit worthiness of borrowers and the evaluation of the collateral.
• Managed and maintained mortgage client portfolio while insuring customer satisfaction.
• Responsible for client set-up of all programs and investors while interacting with the client, internal staff, and attorneys.
• Extensive knowledge of all products and pricing.
• Performed customer interviews.
Closing:
• Prepared and reviewed closing documents, surveys, title commitments, Good Faith Estimates, and Truth-in-Lendings.
• Coordinated closings between Wholesale Lenders and Title Companies.
• Resolved funding problems and/or ordered funds after reconciliation of HUD-1 with closing documents.
• Qualified with closings as a Mobile Notary.
Banking:
• Assisted Branch Manager with Home Improvement, Home Equity, and Consumer Loans.
• Responsible for New Accounts and Bank Security Boxes.
• Lobby Bank Teller and performed check reconciliation for checking accounts. Accounting:
• Booked and balanced four general ledger accounts.
• Responsible for Expense Records of Company Out-Side Salesmen.
• Daily Financial Management of Day Care Business. Retail:
• Sales in women's clothing, women's shoes, children's shoes, and handbags.
• Handled returns, store credits, and exchanges.
• Stocked and set-up displays for departments.
• Balanced and reconciled cash drawer every night closing. Authorized to work in the US for any employer
Work Experience
Mortgage Loan Closer/Funder
Huntington Bank/Heitmeyer Consulting/Remote - Columbus, OH October 2020 to October 2022
I reviewed file for accurate and updated information to prepare the Closing Disclosure and all closing documents. Ordered wire. Reviewed file before approval to fund. Called vendors to update documents with correct information.
Sr. Loan Processor
Capital Concepts, Inc
October 2012 to February 2018
Sr. Loan Processor/Operations Manager
Finance Home America
May 2009 to October 2012
Sr. Loan Processor
AM CAP Mortgage Co
August 2008 to April 2009
Loan Officer/Processing Manager
Boehck Mortgage Company
May 2005 to August 2008
Mortgage Loan Processor
CTM Funding - Houston, TX
March 2004 to April 2005
Sr. Loan Processor, Underwriter
Profolio Home Mortgage - Houston, TX
September 1998 to January 2005
Education
Some college in Business Administration
University of Houston - Houston, TX
August 1973 to June 1976
Skills
• Loan Officer Experience
• Underwriting
• Fair Housing Regulations
• Customer service
• Lending
• Microsoft Office
• Banking
• General Ledger Accounting
• General Ledger Reconciliation
• Accounts Payable
• Pricing
• Account Reconciliation
• Accounts Receivable
• Tax Experience
• Office Management
• Windows
• FNMA
• Loan origination
• Financial services
• Loan processing
Certifications and Licenses
Notary Public
Contact this candidate