TRICIA HAYS

E: ad2n92@r.postjobfree.com

P: 619-***-****

A: El Cajon, CA 92021

PROFESSIONAL SUMMARY

Pre-underwrite residential loan applications, including credit, income, asset, appraisal, and property documents to determine program eligibility and creditworthiness of the consumer.

Expertise with Conforming, FHA, VA, USDA, and CALHFA

non-prime and construction loans Highly detail-oriented and organized loan processor with 15+ years of experience in a fast-paced environment.

Proficient in Analyzing 1040 Personal, 1120 S-Corp, 1065 Partnership, 1099, K-1, Rental income analysis, Capital gain analysis, Asset/Brokerage accounts, Pay Stub/W-2, Profit & Loss/ Balance Sheet Analysis, Trust and Note Income.

Able to submit full loan packages to various lenders and investors.

Proficiency in application processing and AUS systems, including, but not limited to DU/DO/LP/GUS. Proficient in assisting qualified applicants with obtaining loans promptly.

Extremely organized and capable of maintaining complex loan records.

Expert using Encompass and Mortgage Cadence system.

Ability to take on new systems, procedures, and opportunities with minimal direction.

Have a strong working knowledge of the VA Portal to order certificates of eligibility and the order of VA appraisals.

Proven track record of addressing customer needs while presenting and exploring all of their financial options.

Great team player and can maintain quality of work even during times of high volume.

Work closely with the Loan Officer, Realtors, Escrow/Title, and Clients to ensure a smooth Loan Process from the loan being in escrow.

WORK HISTORY

Mission Federal Credit Union - Senior Real Estate Loan Processor

San Diego, CA • 08/2022 - 10/2023

Set up, ordered initial disclosures, updated, and reviewed customer documentation paperwork such as title, escrow, insurance, income documents, credit, property-related documentation, and any other supported documentation needed for loan approval.

Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.

I communicate with clients, loan officers, and third-party vendors in timely and accurate service throughout the entire mortgage process.

Able to process loan files related to Conventional, Jumbo, and VA/FHA loans.

Able to process HELOCs and standalone 2nd TDs.

Reviewed all verification reports such as credit reports, income, appraisals, and assets verification for closing cost and reserve requirements.

Prepared file for final clear-to-close by branch management.

Anchor Funding Inc. - Senior Loan Processor

San Diego, CA • 11/2020 - 04/2022

Able to process loan files related to Conventional, Jumbo and FHA, VA, USDA, CALHFA, NON-QM, and Asset Statement loans.

Able to review all verification reports such as credit reports, income, appraisals, and assets verification for closing cost and reserve requirements.

Fannie/Freddie/FHA/VA/USDA/CALHFA guidelines, problem solver.

Able to calculate all types of income.

Ability to work efficiently with loan officers and other operations team members.

Ability to process brokered, correspondent, and in-house loans.

Sent out all re-disclosures on all change in circumstances.

Order appraisal, title, and escrow, condo docs.

Handled any conditions sent from underwriting departments.

Strong Customer Service skills and communication skills with clients

Prepared file for final clear-to-close

Evolve Bank & Trust - Senior Mortgage Loan Processor

Memphis, TN • 03/2019 - 10/2020

Able to process loan files related to Conventional, Jumbo and FHA, VA, USDA, CALHFA, NON-QM, and Asset Statement loans.

Able to review all verification reports such as credit reports, income, appraisals, and assets verification for closing cost and reserve requirements.

Fannie/Freddie/FHA/VA/USDA/CALHFA guidelines problem solver

Able to calculate all types of income.

Ability to work efficiently with loan officers and other operations team members

Ability to process brokered, correspondent, and in-house loans.

Sent out all re-disclosures on all CIC.

Order appraisal, title, and escrow, condo docs.

Handled any conditions sent from underwriting departments.

Strong Customer Service skills and communication skills with clients

Prepared file for final clear-to-close

Processed mortgage loan applications accurately and successfully for over 15+ years.

Synergy One Lending Inc. - Senior Corporate Concierge Loan Processor

San Diego, CA • 12/2013 - 03/2019

Able to process loan files related to Conventional, Jumbo and FHA, VA, USDA, CALHFA, NON-QM, and Asset Statement loans.

Able to review all verification reports such as credit reports, income, appraisals, and assets verification for closing cost and reserve requirements.

Fannie/Freddie/FHA/VA/USDA/CALHFA guidelines, problem solver.

Able to calculate all types of income.

Ability to work efficiently with loan officers and other operations team members.

Ability to process brokered, correspondent, and in-house loans.

Sent out all re-disclosures on all CIC.

Order appraisal, title, and escrow, condo docs.

Handled any conditions sent from underwriting departments.

Strong Customer Service skills and communication skills with clients

Prepared file for final clear-to-close

BluFi Lending Inc. - Senior Loan Processor

San Diego, CA • 12/2011 - 12/2013

Set up, stored, and updated customer files, department records, and regulatory paperwork. Assisted customers with completing loan applications and other paperwork.

Ability to handle multiple lines and help a large volume of customers every day with a positive attitude and focused on addressing customer needs and resolving concerns.

Acted as an first point of contact and set appointments for prospective clients.

Ability to establish excellent working relationships with everyone involved in loan process: Borrowers, Loan Officers, and Operations Team Members

Explained very technical financial information to applicants in easy-to-understand language.

Analyzed potential risks and evaluated loan products to identify suitable options for customers.

Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.

Applied grades to each loan application based on established criteria to keep institutional risk low.

Handled customer inquiries and suggestions courteously and professionally.

Documented borrower's information in the loan processing system and resolved any discrepancies.

Calculated, reviewed, and corrected errors in interest, principal, and closing costs.

Coordinated closing process with attorneys, title companies, and government clerks.

Prepared file for final clear-to-close

Neighborhood National Bank - Business Banker & New Accounts Representative

El Cajon, CA • 01/2008 - 12/2011

Collected customer information and completed new account forms.

Answered customer questions and explained available services such as deposit accounts, bonds, and securities.

Provided customers with additional information regarding account services.

Analyzed accounts for delinquencies and other ongoing issues.

Processed client payments and updated accounts.

Contacted customers to assess satisfaction and current needs.

Increased customer satisfaction ratings through proactive and actionable resolutions to questions, concerns, or challenges.

Implemented customized account plans to meet individual client needs.

Supported customer satisfaction through regular follow-up and communication.

Analyzed customer financial records to determine appropriate payment plan.

Interviewed customers to obtain information needed for opening new accounts or renting safe-deposit boxes.

Approached prospective clients through cold calling and emails to meet sales targets.

Explained account terms and conditions to customers.

Reconciled customer accounts and balanced daily transactions.

Monitored accuracy of customer information in system.

First Magnus Financial - Mortgage Underwriter

San Diego, CA • 01/2004 - 12/2007

Approved or denied loans based on established criteria and underwriting guidelines.

Worked with processing team members to communicate errors and obtain missing information for current applications.

Assisted customers with completing loan applications and other paperwork.

Developed and maintained relationships with customers, lenders, and other third parties.

Developed and maintained relationships with customers, lenders, and other third parties.

Assessed loan portfolios for compliance with underwriting policies.

Compiled closing packages for drafting and presentation accuracy.

Identified opportunities to cross-sell and upsell loan products to customers.

Supervised loan personnel and motivated to maintain customer service and performance standards.

Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.

Verified integrity of applicants' information to minimize fraud.

Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.

Maintained mortgage program compliance with federal agencies such as VA, HUD, and FNMA.

Collaborated with loan officers and processors to obtain additional information and resolve discrepancies.

Analyzed and verified applicant income, assets and credit history to support compliance with underwriting guidelines.

Evaluated loan applications, determining creditworthiness, assessing risk and establishing loan conditions.

Negotiated and communicated with loan officers, processors and loan applicants to reach satisfactory loan terms.

Reviewed appraisals and title documents to verify accuracy and completeness.

SKILLS

Fannie/Freddie/FHA/VA/USDA/CALHFA/NON-QM/Bank Statement Loans

Financial statement analysis

Process brokered, correspondent, and in-house loans.

Process HELOCs and Standalone 2nd TDs.

Review credit reports, income, appraisals, and assets.

Pipeline Management

Debt-to-Income Ratios

Jumbo and Super Jumbo Loans

Documentation and control

FNMA / FHLMC Guidelines

Non-QM Markets

Application Analysis

Residual Incomes

Loan-to-Value Ratio Calculations

FANNIE/FNMA Guidelines

Non-Prime Markets

Practiced at FHA loan process

Workflow planning

Critical Thinking

Attention to Detail

Excellent Communication

Problem-Solving

Verbal/written communication

Provide excellent customer service

Strong team-builder

Self-Motivated

Microsoft Word, Excel, and PowerPoint Knowledge

EDUCATION

El Cajon High School

El Cajon, CA • 06/1987

High School Diploma

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