MELISSA ROCHA

Address: **** ***** ***** **** ***** Phone: 210-***-****

NMLS#: 2130627 Email: ad30f4@r.postjobfree.com

Senior Loan Processor with over 12+ years in mortgage lending and underwriting, I am seeking an opportunity to join an organization that will utilize my seasoned experience and expertise. As an added value, I’m trained and specialized in processing Bond Loans, such as: USDA, TSHAC and TDHCA.

EXPERIENCE

DATES: APRIL 2021 – SEPTEMBER 2023

SENIOR LOAN PROCESSOR (REMOTE), Guaranteed Rate

Recognized multiple times as a top loan processor exceeding company objective and goals.

Effectively communicate, gather, and verify needs and documentations from borrower and loan officer, such as financial statements and tax returns

Utilize Fannie Mae’s Desktop Underwriter and Freddie Mac’s Loan Prospector to verify income calculations to ensure the loan meets investor guidelines.

Utilize Guaranteed Rate’s live pipeline tool, Encompass, to manage workload, communication, and time to task metrics.

Review documentation to ensure compliance with RESPA, HUD and CFPB and assess high risk loans for mortgage fraud to ensure adherence to consumer regulation laws.

Upon initial review, partner with team members in resolving problems with files and documentation.

Receive on-going, comprehensive training and become an expert on home loan products and the mortgage process.

DATES: APRIL 2020 – MARCH 2021

MORTGAGE LOAN PROCESSOR / JR UNDERWRITER (REMOTE), Movement Mortgage

Synergized with loan officers and other stakeholders to meet our successful timelines and expectations.

Ensure an exceptional customer experience by working alongside the loan officer and the team during the loan process from origination to close and providing on-going effective communication.

Utilize Fannie Mae’s Desktop Underwriter and Freddie Mac’s Loan Prospector to verify income calculations to ensure the loan meets investor guidelines.

Utilize Movement Mortgage’s training, references, technology, and other resources to manage workload.

Review documentation to ensure compliance with RESPA, HUD and CFPB and ensure adherence to consumer regulation laws.

DATES: JUNE 2018 – APRIL 2020

LOAN OFFICER ASSISTANT (SATX), Pilgrim Mortgage

Strived to be the best financing option for our client’s financial situation.

Ensure an exceptional customer experience by working alongside the loan officer and the borrowers throughout the loan process by providing on-going effective communication.

Explained to customers the different types of loans, credit options, and terms that are available. Obtained borrower applications and pre-qualification documents.

Review documentation to ensure compliance with RESPA, HUD and CFPB and ensure adherence to consumer regulation laws.

Supported the remediation of application errors or concerns with the Underwriting team.

Coordinated and managed Marketing to Buyers, Sellers, Realtors, and Builders to support Business Development.

DATES: JUNE 2015 – JUNE 2018

MORTGAGE LOAN PROCESSOR / JR UNDERWRITER (SATX), GOLD Financial SVS

Synergized with loan officers and other stakeholders to meet our successful timelines and expectations.

Ensure an exceptional customer experience by working alongside the loan officer and the team during the loan process from origination to close and providing on-going effective communication.

Utilize Fannie Mae’s Desktop Underwriter and Freddie Mac’s Loan Prospector to verify income calculations to ensure the loan meets investor guidelines.

Utilize Movement Mortgage’s training, references, technology, and other resources to manage workload.

Review documentation to ensure compliance with RESPA, HUD and CFPB and ensure adherence to consumer regulation laws.

DATES: OCTOBER 2011 – JUNE 2015

MORTGAGE LOAN PROCESSOR (SATX), WR Starkey Mortgage

Ensure an exceptional customer experience by working alongside the loan officer and the borrowers throughout the loan process by providing on-going effective communication.

Explained to customers the different types of loans, credit options, and terms that are available. Obtained borrower applications and pre-qualification documents.

Review documentation to ensure compliance with RESPA, HUD and CFPB and ensure adherence to consumer regulation laws.

Supported the remediation of application errors or concerns with the Underwriting team.

EDUCATION

APRIL 2021

SAFE COMPRENSIVE MORTGAGE LOAN ORIGINATOR, San Antonio

Course Completed (20 Hours)

JUNE 2010

BOND LOAN TRAINING, San Antonio

Completed Bond Loan Training

SKILLS

Excellent and Effective Communicator

Ability to work with Strict Deadlines

Quickly Build Trusting Relationships

Confidentiality

Ability to Overcome Obstacles

Inspire and Motivate Team Members

Attention to Detail

Always Focus on Customer Satisfaction

Contact this candidate