Charlene Watkins

San Juan Capistrano ~ CA *****~ Cell 949-***-****~ ad3kv3@r.postjobfree.com

PROFESSIONAL SUMMARY

Mortgage Industry for 15 years. I have been a Sr. Loan Processing and a Assistant to the Underwriting Dept, B2B, Broker, wholesale,Correspondence Lending, doc drawing, and pre-funding expertise. Self-starter with a strong excellent work-ethic who is highly motivated and contains the self-discipline necessary to produce results independently & a great team player. Adept at multi-tasking with excellent organizational skills. Superior customer service skills with a desire to help others. SPECIAIZED SKILLS & KNOWLEDGE

*Highly efficient Time Management Skills*

Prioritize customer needs and build relationships with various types of clienteles, Lenders, Representatives, Brokers. Adhere to strict deadline restraints while using the power of positive thought to guide success and obtain results. Computer proficiency and financial software experience. Strong attention to detail. Solid organizational and time management skills. Able to work independently and handle multiple priorities under pressure & deadlines. Ability to identify problems and develop procedures to resolve or correct situations. Excellent customer service, written and verbal communication skills. Basic knowledge of underwriting terminology and compliance regulations. Encompass, Calyx Point, Core Blue Sage, Lending Pad, Salesforces MFA, Microsoft, Monday.com,Excel, income calculation, Respa guidelines. TRID, Non-QM, Harp programs, FNMA/FHLMC, DD/LP, Refinance, Conventional, Jumbo loans, Commercial, VA, FHA, 203K and Purchases. PROFESSIONAL EXPEIRENCE

Partner Bank of California

Loan Servicing Department

February to March 2023

Processes clerical work necessary for all bank loans to accurately reflect loan activity on the bank’s general ledger and ensures proper documentation is maintained. Performs a variety of loan servicing duties that may include boarding. all types of loans onto mainframe and processes payments and advances for all types of loans according to established department procedures. Responsible for servicing both sold and purchased participation loans. Process loan payments, advances and payoffs, Process payoff demand requirements. Complete post payoff checklist items Reconveyances. On boarding new loans and renewal loans. Back up of boarding new loans and renewal loans. File maintenance daily. Perform audit of prior day’s input. Print and mail loan statement billing daily. process final ALTA policies Monitor and track pending recordables and renew upcoming expired UCC filings. Prepare correspondence to borrowers to obtain required information. Follow-up with outside vendors to obtain required information. Insurance and collateral tracking and follow up. Back up to Loan Documentation preparation Knowledgeable of compliance laws governing the duties entrusted to this position: Compliance with and commitment to enforcing OFAC / BSA/Patriot Acts and Anti-Money Laundering statutes, directives, and guidance.

Compliance with regulatory requirements including but not limited to regulations: Regulations AA, B, C, O, P, U, X, Z, RESPA, FCRA, FACTA, FDPA, CRA, SCRA, and HMDA. THRIVE LOAN PROCESSING, LLC

CONTRACT SR. LOAN PROCESSOR SUPERVISOR /REMOTE

December 2019 -December 2022

Calculates and verifies borrower’s income, assets, and liabilities. Documents loans to ensure compliance with regulatory and legal requirements. Review each loan file for accuracy and completeness Order appraisals; work with direct lenders; Flagstar, Union Bank, BOFI, Sun West, Newfi, UWM and other outside lenders. Submitting for approval to the direct lenders. Knowledge of credit policies, underwriting guidelines, and loan approval process, and DU/LP experience. Manage individual pipeline to ensure timely turn time. Responsible for-Lock Extension’s and re-locks of the loans When advised by Loan Officer or upper management. Jumbo, Conventional, Purchases, VA, and FHA USDA, Commercial loans. Problem solver, Customer Service, educating the borrower through the process. Promoted to Team Lead of 10 remote Men & Woman.

PREMIER LENDING – NORTH CAROLINA

SR. LOAN PROCESSOR/REMOTE

August 2018 -December 2019

Document loans to ensure Compliance with regulatory and legal requirements. Approves loans within Credit Approval authority limits. Manages individual pipeline up to 60 loans in my pipeline to Ensure timely turn time. With in-house under- writing, Funding and Escrow. High volume fast paced environment with outstanding attention to detail. Problem Resolution-Responsible for finding solutions to problems in a quick and efficient manner. Provide guidance prior to submission on challenging files as well as the ability to find a creative and acceptable solutions for restructuring loans. Organization, Thoroughness, Financial Skills, HUD-1experience with RESPA experience and updated on all guidelines. Communication to all appropriate parties, 3rd Party vendors working closely with in house, Escrow and title and loan agents. Superior Customer Service. Goal oriented, excellent multi-tasking and written and verbal Communication skills. LP/DU, Harp loans, FNMA/FHLMC, conventional, jumbo loans experience & Commercial Loans.

FLEXPOINT MORTGAGE /Newport Beach, CA

SR. LOAN PROCESSOR/ Asst to Supervisor

February 2016-August 2018

Responsible for reviewing the files, submitting files to Underwriting. DU/LP, Doc Magic, Empower and paperless skills. Income Calculation, understanding Tax Returns. Problem solver. Respa Guidelines. Direct contact with Borrower’s for Additional Information, conditions and Contact throughout the process to funding. Prepares GFE for closing. Making sure everything is consistent throughout the file. Pipeline reports, working with Escrow, and other departments Assure all documents in compliance and saleable for closing. Organization, Thoroughness, Financial Skills, financial Software, Documentation, Communication to all appropriate parties, 3rd Party venders, Escrow and title, Customer Service. And being on top of Lock’s, follow ups and. Knowledgeable with Harp 2, Open access programs. PLANET HOME LENDING CORRESPONDENT- IRVINE, CA

TEAM LEAD SALES SERVICE REPRESENTATIVE/ SR. LOAN PROCESSOR JANUARY 2013 -FEBRUARY 2016

Part of a fast-paced Correspondent division purchasing over $350+ million per month. Generated daily. warehouse funding reports, including purchase advice, wire instructions and wire authorization. Managed a team of 6 Sales Service Representatives. Created active pipeline reports for daily meetings with VP of Operations, Director of Operations and Sales Service Representatives.

Conducted new hire training and mentoring for the Purchasing Department. Reviewed complete closed loan packages to ensure loan documents were executed accurately, TRID compliant and all required documentation have been provided for delegated FHA, USDA, VA, 203K, Conventional and non-delegated Conventional Correspondent sellers.

Participated in the testing of system platform integrations Blue Sage/CORE system and CoreLogic; represented the Purchasing Department in implementation of system upgrades; performed end-to-end UAT testing to ensure enhancements were functioning properly before release. Empower and paperless skills. Income Calculation, understanding Tax Returns. Problem solver. Respa Guidelines. Direct contact with Borrower’s for Additional Information, conditions and Contact throughout the process to funding. Prepares GFE for closing. Making sure everything is consistent throughout the file. Pipeline reports, working with Escrow, and other departments Assure all documents in compliance and saleable for closing. Organization, Thoroughness, Financial Skills, financial Software, Documentation, Communication to all

RIO DE ORO PROPERTIES - LAGUNA HILLS, CA

SR. LOAN PROCESSOR- EXECUTIVE ASSISTANT, TRANSACTION COORDINATOR February 2009 - January 2013

Handled all correspondence between the Loan Officer and borrower to include telecommunications. Structured loan, confirmed investor overlays, reviewed all income, and prepared preapproval letters for realtors Input initial application. Set up file for disclosures and compliance. Communicate with the borrowers and realtors, for purchases. Open Title/Escrow and review of lender paid fees and/or seller concessions for accurate AUS feedback. Create Case assignments for FHA, sold to several different investors. Law Offices of Mr. Cole Walters / CDA Law Firm, San Francisco, CA Loan Mods Sr. Processor/Negotiator

February 2005 – December 2008

Submit loan mod packages to lenders. Work up Financials, understanding of tax returns and income calculations. Negotiating with lenders and following up with lenders every 5 to10 days. Attention to detail, and stopping sale dates, FHA, Conventional, Fannie Mae, Freddie Mac approvals. Customer service, Communication skills, managing a large pipeline. Calyx Point, Excel, Microsoft word experience, and updated guidelines for lenders approvals. Updated with all Hamp guidelines. Escrow Factory, Irvine, CA

Escrow Assistant to the Top Escrow Producer

January 2002 - February 2005

Contact clients for information and to update them on the progress of their escrow transaction. Abstract and review documents to ensure that they are correct and ready to record. Prepare loan documents for signatures. Contacting all parties for signing & a smooth Closing Handle lender conditions prior to fundings. Learning Liens, SSI forms from borrowers’ information Disperse files at close of escrow. Assist with other miscellaneous administrative tasks. So much more.