LUISA GRANADOS

407-***-****

ad3odn@r.postjobfree.com

PROFILE

Versatile bilingual professional with 10 years of experience in customer service, mortgage industry and bank standards. Possess solid work ethics, adaptability and excellent written and verbal communicator in English and Spanish. Active listener, proactive, poised under pressure to meet deadlines. Adept at working effectively, independently and driven to master new skills. Dedicated, strong problem solving, critical thinking with the ability to remain professional even under strenuous situations.

ACTIVITIES AND INTERESTS

WORK EXPERIENCE

Traveling/cruising

Great food

Food Pantry Volunteer

Cooking

Dancing

Loss Mitigation Specialist

Essex Mortgage Ocala, FL

2023 to present

Responsible for reviewing accounts for viable solutions to avoid foreclosure and to assist borrowers retain the dream of homeownership. Understand each borrower’s individual situation and make appropriate recommendations. Apply the loss mitigation techniques and regulations and adhere to agency/investor/guarantor guidelines and ensure loan quality standards are met. Navigate efficiently through FHA connection and VA portal. Compile documents, set up intakes into Mortgage Servicer for processing and assessment. Mentor new employees on intake procedures and provide ongoing support.

Mortgage Loan Processor III - Remotely

Regions Bank Gainesville, GA

2020-2023

Reviewed credit reports, analyzed and verified borrowers’ income and assets based on investor’s guidelines. Responsible for loan submissions to underwriting and into closing. Acted as a liaison between borrowers, underwriters, loan originators. Guaranteed customer satisfaction by keeping open communication with borrowers, by asking questions to better understand their needs, by maintaining a positive attitude, confidentiality and by responding to all parties involved in a timely manner. Prepared commitment letters, denial letters and canceled files when necessary. Run DU/LP and gathered conditions accordingly to the findings, ensuring. Ordered mortgage insurance for conventional loans when needed. Collected required documentation from borrowers and followed up on missing items. Established, maintained and updated files, database, records and/or other documents for recurring internal reports. Ensured all borrowers files were complete and in compliance with regulatory agencies and internal policies.

Mortgage Loan Processor III - Hybrid

Truist Bank Orlando, FL

2019-2020

Reviewed financial statements and contacted financial institutions, CPA’s and borrowers to clarify details. Managed and gathered all conditions requested by the underwriting team including verification of rent, employment, property appraisal, title, survey, WDO inspection, hazard and flood insurance for final review. Communicated through weekly meetings with upper management and loan officers of any issues or changes in files and submitted weekly reports on the progress of every file. Coordinated closings with all parties involved in all transactions (attorneys, title companies, borrowers, realtors and loan officers). Developed comprehensive understanding of loan processing regulations and laws to be fully compliant with investors. Knowledgeable on guidelines to process FHA, VA, conventional, jumbo, and construction perm loans including funding fee, MIP and PMI. Handled a pipeline and closed over 15 loans on monthly basis.

KEY SKILLS

Proficiently process CP, jumbo, conventional, government loans, Bond and DPA

LP/DU underwriting

Accuracy, attention to detail and confidentiality

Organizational and multitasking abilities

Proficient in Microsoft Office, Outlook, Excel, Power Point and Word

Specialized in mtg LOS platforms: Empower, Encompass, Mortgage Servicer API (FICS), Waterfall Cal

Outbound/inbound calls

Staff training & coaching

Quality assurance

EDUCATION AND OTHER EMPLOYMENT

Associate in business administration

Douglas College, New Westminster, BC, Canada

Florida Notary Public

Florida Department of State

2005-2027

Customer Care Training

Essex Mortgage

2023 (2 weeks)

Mortgage Loan Processor

First Choice Mortgage Group Winter Park, FL

2008-2010

Mortgage Loan Processor

Town and Country Mortgage Orlando, FL

2003-2008

Entrepreneur/Business Owner

LLG Enterprises, LLC

2008-2020

Contact this candidate