Mortgage Loan Processor

Lucy Scott

****-* **** *** ******, West Palm Beach, FL 33406 Cell: 561-***-****

E-mail: ********@***.***

OBJECTIVE

To obtain a position which will promote individual opportunity and professional growth while making positive contributions to the organization.

EXPERIENCE

Tropical Financial Credit Union

Remote Senior Loan Processor, Jr Underwriter

4/21 to Present

Conventional, Non QM, Home Equity, Jumbo Loans – Pre Underwrite files submitted into Processing Dept, Make initial Requests of all necessary documents needed for Underwriting. order third party verification, i.e. Appraisal, Title, Verification of Employments, Flood Certification. Home Owners Insurance, Condo Questionnaires, Budget, Master Policy etc.

Review all documentation submitted by borrower, review tax returns and prepare income calculations for all type of income (Salary wage earners, Commission Income, Income Self Employment, Rental Calculation by use of Form 91.

Order PMI - Mortgage Insurance- MGIC, Enact etc.

Run Final AUS (Fannie Mae and Freddie Mac) make sure borrower meets guidelines.

Re-structure loans. In the event the debt to income is too high, liens on title such as Notice of Commencements, Appraisal value comes in low.

Paperless system: Encompass.

Mavent are run for compliance. Liaison between Mortgage Loan Officer, Underwriter, Realtors and TIel companies.

Velocity Community Federal Credit Union

Mortgage Loan Officer, Palm Beach Gardens, FL

11/10 – 04/15 & 02/17 to 3/21

Counsel members on mortgage loan options and originates conforming Mortgages and home

equity loans to meet department goals. Prepares initial disclosures within required timeframe and

follow up with member upon completion.

Handle all mortgage inquiry calls or walk- ins that come into the mortgage department.

Update members and 3rd parties involved in transaction.

Submit originated loan with majority of the documentation required for processing. Work together with the Processor clear all remaining conditions need for Underwriting.

Provide back up support to external MLO by assisting walk in members as needed to perform

origination tasks. May provide support to mortgage processing as needed.

Adheres to applicable compliance requirements to ensure MLO practices meet the credit union, State

and SAFE Act regulations.

Cross sells other credit union products and services.

Complete BSA/AML/OFAC training. Performs other duties and responsibilities as assigned.

K Hovnanian American Mortgage

Senior Loan Processor, Boynton Beach FL

01/16 to 02/17

Conventional, FHA, VA, Jumbo Loans – Review upfront files and to close and review all documentation submitted and request all documentation required to meet product guideline.

VA: Request VA Case Number, Obtain COE -Certificate of Eligibility

FHA: Obtain FHA Case Number, Case Query, etc.

Conventional loans:

Verification of Employment, complete income calculation and Rental calculations if necessary, Obtain Final Sales Price from Builder, Order Appraisals from Core logic /VMG, and 442/final inspections, Order Title, Order Condo Documents and verify condo is Approved, once file has been updated with all current income i.e. paychecks stubs, Tax Returns, Reserve Requirements once file meets investor guidelines loan is uploaded to Investor for Approval. Once Approval is issued from Investor gather all necessary documents to clear file with Investor and or Internal Underwriting Dept.

Paperless System used: Integra with Blitz Docs system and Encompass.

Encore and Mavent are run for compliance. Liaison between Account Manager, Project Manager

Finance of America Mortgage LLC formerly PMAC Lending Services Inc.

Senior Mortgage Loan Processor, Palm Beach Gardens, FL

04/15 – 01/16

Conventional, FHA, VA and Bond Loans, Review Upfront files and that have been submitted into Processing to make sure all documents received meets all Underwriting Guidelines to submit loan for Conditional Approval. Clear files to Closing. Complete Audit Checklist

Prepare Income Calculations, Order IRS Transcripts, Verification of Employments. Order Appraisals, Order Desk & Field Reviews as needed.

Review and gather all conditions for Underwriting,

Coordinate closings with all parties – go over closing fees with borrower’s

Programs used: Paperless Encompass and Integra with XDocs

RESMAC, INC.

Senior Mortgage Processor, Boca Raton, FL

02/10 – 11/10

Structure new loans that are submitted from ASM/Loan Officers to make sure that all necessary documentation has been provided in the client’s file to submit to underwriting for Approval.

Process FHA, Conventional Mortgage Application, prepare initial disclosures and mail to client for acceptance on loan in process. Order appraisal report thru the use of AMC network,

Obtain all necessary documentation to clear any outstanding conditions from Underwriting.

Process an average of 25-40 files on a monthly basis. Update L/O, Realtors on status of files in process.

Structure Reverse Mortgage Applications and gather all appropriate documentation to submit loan to Genworth Financial for approval once approved gather any necessary conditions for Final Approval. Make sure Counseling Certificate had been issued and all initial disclosures were provided to member during the initial application process.

SUMMARY OF QUALIFICATIONS

Excellent verbal, written and interpersonal skills

Detail oriented and able to learn new tasks in short periods of time

Ability to handle confidential information with the utmost sensitivity

Excellent organization and management of projects

Able to handle multiple tasks and projects at once

Skilled in establishing & maintaining cooperative working relationships in order to foster a team approach

Willingness to work flexible hours when necessary

Ability to analyze and creatively solve problems under pressure

Professional and personable attitude

Strong initiative with a willingness to learn and be trained

Maintain strong relationships with clients and providing quality customer service.

LANGUAGES

Bilingual (Spanish and English)

SPECIAL SKILLS

MS Word, Excel, Access, PowerPoint, Publisher

Mortgage Programs: Calyx (Point), Loan Handler, Byte, Morvision, XP System, Integra, X Docs and Blitz.

Encompass

Knowledge of Investor software: Jumbo Loans Processed thru: Fifth Third Bank, Wells Fargo Bank and

US Bank

EDUCATION

2001 - Kambuck School of Real Estate, Orlando, FL, Mortgage Broker License

2014 - Keller Williams – PGA Office – Real Estate Sales Associate

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