Monique Minaya

South Jordan, Utah *****

Phone: 801-***-****

Email: ad405k@r.postjobfree.com

PROFILE OVERVIEW

Detailed, extremely organized and understands the urgency of deadlines thoroughly with accuracy.

Effective communication, time management and prioritizing skills. Great in sales and very personable with Clientele, Loan Officers, Underwriters, Closing/Funding, and 3rd Party Vendors etc. Trained many Pre-Processors, Mortgage Loan Processors and Loan Officer Assistants. I am a quick learner that demonstrates a strong work ethic. Knowledgeable of Conventional, FHA/VA, Utah Housing, Jumbo & Non-QM programs and guidelines. Experienced with Encompass, DU/LP (AUS Findings), FHA Connection, WEBLGY EXPERIENCE

Intercap Lending, Inc

April 2018 to November 2023 – Licensed Sr Mortgage Loan Processor Security National Mortgage Corporation

July 2015 to Jan 2018 - Sr Mortgage Loan Processor Veritas Funding ~ Old Mill Branch

April 2013 to November 2014 - Sr. Mortgage Loan Processor City Creek Mortgage

September 2012 to April 2013 - Mortgage Loan Processor North Capital Finance/Sun Valley Mortgage

December 2011 to September 2012 - Mortgage Loan Processor September 2007 to December 2011 - Mortgage Loan Processor & Loan Originator

**Received the "Excellence Award" August & September 2010 from Security National Mortgage Corp.*

Strategic Funding

April 2003 to August 2006 - Mortgage Loan Processor & Loan Originator Utah Home Loans

March 1999 to April 2003 - Mortgage Loan Processor & Loan Originator Debt Free Mortgage

May 1997 to February 1999 - Mortgage Loan Processor & Internal Underwriter for Warehouse Line January 1997 to May 1997 - Receptionist

SKILLS AND ABILITIES

Mortgage Loan Processor

* Review Credit Reports, Income Documentation and Calculate Income. Assets, Property Documents; Title, HOA Documents, Appraisals, Flood etc

* Gather/Order/Follow up on all necessary loan documents and verifications i.e.: WVOEs, Tax Transcripts, SSN Validations, Flood Certs, HOA Certs, Subordinations, EOIs

* Prepare and compile these documents to submit files to Underwriting with the goal of having few to no conditions

* Satisfy both PTD and PTF underwriting conditions

*Requesting Initial CD and Final CD

*Request COC’s as necessary

*** Maintained, Closed and Funded a pipeline of 45-50 loans per month during the 2020 pandemic***

Loan Originator

* Established and maintained a clientele base that consisted of marketing and referrals

* Kept clear communication with borrower/agent throughout the process of the loan

* Structured the borrowers loan based off their needs and qualifications

* Took loan applications and gathered necessary documentation required for borrowers' specific program

* Continuous Education and Training of Fannie/ Freddie, lender guidelines, programs, and overlays

* Scheduled closings and ensured timely fundings

***Originated 45+ loans per month during the 2010 refinance boom*** EDUCATION

Leslie Peterson's Mortgage Loan Originators Course ~ July 1997 Creekside High School Graduated 1997

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