Tina M. Perkins

ad4gu7@r.postjobfree.com

210-***-****

Objective To obtain a position where I can utilize my strengths in Ops/team management, originating, underwriting, processing, legal document knowledge, customer service, Real Estate, quality control, and problem solving skills. While maintaining customer loyalty and surpassing organizational objectives. Experience

Work

History

5 - 22 years experience in Real Estate, Contracts, Compliance, Banking, Mortgage Lending, Origination, Loan Processing, Underwriting, Servicing, Bankruptcy, Foreclosure, Credit Counseling, Audit/QC, Training, and post close cures.

NMLS# 1097570

06/2020– present Gold Financial Services San Antonio, TX Senior Loan Processor

• Ensure loan disclosures are sent and received back in the proper timeframes to meet compliance, contract needs, and ensure loan closes on time. (LE/COC/CD)

• Fully process loan files, to include but not limited to: Review all loan documents/ title docs/ survey/ flood, order setup items as needed, send needs lists, income calculation worksheets, run AUS, etc

• Submit loan to underwriter for approval. Obtain approval directly, interpret, request, obtain, and clear all PTD, PTA, and PTF conditions as needed.

• Manage pipeline for all Construction loans, purchase business, and refinances from Prequalification to funding. This includes contact with Borrower, Builder, setup, processing, Underwriting, Closer, Title, and Realtor contacts throughout the process. Work with Loan Originators to communicate with their borrowers & Realtors as they prefer.

09/2019– 04/2020 Directions Home Loan San Antonio, TX Loan Processor/ LOA

• Prequalify borrowers: Credit, Income, Asset review and underwrite file upfront to ensure qualified buyer with property meets underwriting requirements to allow closing and funding. Credit counsel to offer options to assist borrowers in becoming prequalified when initially they do not qualify.

• Review contracts / Take loan applications accordingly/ disclose & re-disclosures as needed / Direct the order of set up items to meet loan and contract needs. Determine loan needs and request items required to approve loan/lock loan to ensure pricing meets contract and branch cost requirements. Ensure compliance and contract needs met in all circumstances.

• Ensure loan disclosures are sent and received back in the proper timeframes to meet compliance, contract needs, and ensure loan closes on time. (LE/COC/CD)

• Submit loan to underwriter for approval. I obtain approval directly, interpret, request, obtain, and clear all PTD, PTA, and PTF conditions for a clear to close.

• Manage Team pipeline for all Construction loans and purchase business from Prequalification to funding. This includes contact with Borrower, Builder, setup, processing, Underwriting, Closer, Title, and Realtor contacts throughout the process.

01/2019 – 8/2019 Signature Appraisals San Antonio, TX Appraiser Assistant/ Processor

• Field work: Measure/ sketch floor plan of residential property. Take various photos of subject and comparable properties. Walk through home & take note of all conditions, materials, and any needed repairs within Lender/Investor/ USPAP guidelines.

• Office work: Process AMC orders to include but not limited to lender & AMC contact and updates. Contract review and apply field work to appraisal format and process appraisal to prep for Appraiser completion. Review and download data from county records on subject and comparable properties. Pull comps relative to subject property to ensure Appraiser pulls relevant comps for each appraisal. Review/proof finished appraisal product for errors and to ensure appraisal matches data used, as well as meets all Lender and contract requirements. Deliver finished product to AMC portals.

07/2016-12/2018 Gold Financial Services San Antonio, TX Branch Coordinator / Sr Loan Processor/ LOA

• Support Originating production staff and Branch Manager in multiple functions to ensure Branch production consistency and Branch income requirements are met.

• Prequalify borrowers: Credit, Income, Asset review and underwrite file upfront to ensure qualified buyer with property meets underwriting requirements to allow closing and funding. Credit counsel to offer options to assist borrowers in becoming prequalified when initially they do not qualify.

• Review contracts / Take loan applications accordingly/ disclose & re-disclosures as needed / Direct the order of set up items to meet loan and contract needs. Determine loan needs and request items required to approve loan/lock loan to ensure pricing meets contract and branch cost requirements. Ensure compliance and contract needs met in all circumstances.

• Ensure loan disclosures are sent and received back in the proper timeframes to meet compliance, contract needs, and ensure loan closes on time. (LE/COC/CD)

• Submit loan to underwriter for approval. I obtain approval directly, interpret, request, obtain, and clear all PTD, PTA, and PTF conditions for a clear to close.

• Manage Team pipeline for all Construction loans and purchase business from Prequalification to funding. This includes contact with Borrower, Builder, setup, processing, Underwriting, Closer, Title, and Realtor contacts throughout the process.

• Process Contract Builder applications for company approval. Work with Builder Contractor and buyers to approve a draft of their construction loan contract per lender and title guidelines, to include scope of work, budget, and scheduled draws. Process Contract Builder draw requests to ensure work completed per contract. Collect contractor bank account details to set up for wiring of funds. Follow Contractor throughout project for status and on schedule benchmarks. Schedule inspections to confirm work completed per scope prior to payout. Follow project to completion, to refinance loan to perm financing and close out Construction contract account.

• Assist Operations Mgr to manage Construction to Perm loan pipeline from Construction Contract loan closing to perm loan closing. To include but not limited to: slab pour, draws, problem solve, change orders, request inspections/photos, report back to active status of perm loan, and through to 2nd loan closing and all that is required to get it there.

• 2nd level loan review of contracts, loan product, and credit for preapprovals. Problems solve to resolve any pertinent team loan issues with loan, title, property, survey, appraisal, etc. (At every stage, IE: prequalification/ Under Contract / processing/underwriting/closing/funding, and construction stage.

• Monitor Team/ Branch staff to include but not limited to: ensure Contract requirements met, weekly status updates go out to follow up with all parties through the construction and perm loan process, staffing and time card requirements met/ approved for payroll, monthly bonus reports turned in and approved for payroll.

• Manage office day to day to include facilities, mail, approve supply orders, submit bills to accounting, problem solve for branch staff.

• Review to approve all branch Closing Disclosures for correct final figures prior to Closing/Funding. 12/2015 – 6/2016 Signature Appraisals San Antonio, TX Appraiser Assistant/ Processor

• Field work: Measure/ sketch floor plan of residential property. Take various photos of subject and comparable properties. Walk through home & take note of all conditions, materials, and any needed repairs within Lender/Investor/ USPAP guidelines.

• Office work: Process AMC orders to include but not limited to lender & AMC contact and updates. Contract review and apply field work to appraisal format and process appraisal to prep for Appraiser completion. Review and download data from county records on subject and comparable properties. Pull comps relative to subject property to ensure Appraiser pulls relevant comps for each appraisal. Review/proof finished appraisal product for errors and to ensure appraisal matches data used, as well as meets all Lender and contract requirements. Deliver finished product to AMC portals. 01/2015- 11/2015 Interlinc Mortgage San Antonio, TX Production Associate/ Loan Officer Assistant

• Prequalify borrowers: Credit, Income, Asset review and underwrite file to ensure qualified buyer with property meets contract and underwriting requirements to ensure closing and funding. Credit counselled to offer options to assist borrowers in becoming prequalified when initially they do not qualify.

• Clear conditions to meet Underwriting, closing, Contract and Investor requirements.

• Review HUDs to approve for closing

• Manage Originations & Leads pipeline

• Provide loan status updates to all parties at various stages in the loan process 07/13-10/28/14 Legacy Mutual Mortgage San Antonio, TX Production Associate Hybrid / Loan Processor

• Prequalify borrowers: Credit, Income, Asset review and underwrite file upfront to ensure qualified buyer with property meets underwriting requirements to allow closing and funding. Credit counsel to offer options to assist borrowers in becoming prequalified when initially they do not qualify.

• Contract review & take loan applications/ disclose / order set up items: verifications, title, HOI

• Follow up with all through inspection process for amendments, issues, and order appraisals when ready, per contract needs.

• Managed Team pipeline / timeline / process for all Team loans from beginning to funding.

• Process mortgage loans for VA, FHA, and Conventional loan products.

• Problems solve to resolve any pertinent team loan issues. (IE: prequalification/ Contract / processing/underwriting/closing/funding stage.

• Review teams HUDs (final figures) to approve for closing

• Provided Borrower/Realtor/Seller/Builder/Title/Team status updates and notifications

• Cleared loan conditions to enable full loan approval and funding.

• Process/ resolve post close/Investor deficiencies and monitored first payment received to ensure loan sells and moved to Loan servicer.

• Proficient with self employed borrowers and determining income to qualify.

• 10/25/14- Completed 4 annual Compliance courses as required by law. 05/11-06/13 Bank of America San Antonio, TX BK-Ops Processor / Loan Processor

• Contract and chain of title review. Process attorney and bank wide requests for all documents to ensure a complete legal chain of title post close. Contract review to cure chain of tile issues to ensure right to foreclose.

• Problem solve to resolve bank wide Document Fulfillment escalation requests. Escalation level Contract review to cure defects in chain of title. Train new employees to the Contract Document Review function.

• Co-write bank wide Contract Document Review procedures and create various job aides to keep up with changes to rules and regulations pertaining to the Document Fulfillment process in a post closing capacity.

• Validate loans prior to POC filings and assign right to foreclose language to contract bank documents.

• Document Fulfillment QC for TX and NC sites.

• BK MFR and Loan Modification Loan processor. Review Loan history, property contract docs and process for modifications or Foreclosure accordingly. 06/10-02/11 Bank of America San Antonio, TX Mortgage Loan Processor Process mortgages for VA, FHA, Conventional, and MHA loan products. Position phased out. So I was moved to BK Ops.

04/2006 – 06/2007 N.A.C.A. San Antonio, TX H.A.N.D. Contract Coordinator

• Process all aspects of Rehab projects to completion and paid out in full. Review & approve initial contractor and contract bids, per policy & procedure. Order & review inspections to confirm work completed within scope. Process draws to pay out contractor. Problem solve issues per policy & procedure within scope of work and ensure collateral value maintained or surpassed. Follow project through completion to ensure accuracy, paid in full, and account closed.

Education and References:

Available Upon request

Additional points of interest:

• Prior Realtor with approximately 5 years’ experience. License is not currently active.

• Current TX Notary Public – with experience at Loan Closings for Title

• 15+ years experience with Encompass and experienced with multiple rate lock programs.

• Skilled at researching public & private record databases for business licenses, individuals, recorded documents, multiple insurance types, taxes, and property ownership.

• Familiar and skilled at qualifying & processing self employed borrower loan files.

• 20th year volunteer Life Member of San Antonio Stock Show and Rodeo, Ag Science Committee (to benefit student scholarships)

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