SENIOR MORTGAGE PROCESSOR

A detail-oriented, analytical, and innovative professional with sound experience in delivering mortgage loan & client management services and determining loan applications.

Highly skilled to identify, create, review, and clear underwriting loan conditions to ensure compliance with regulatory and investor standards. Adept at maintaining open communication with members, branch personnel, real estate brokers, and loan officers to ensure proper and timely processing and submission of mortgage applications. Demonstrated expertise to communicate with members, third parties, and employees and obtain documentation and information necessary to process a loan and prepare the file for closing. Proven track record in providing quality customer services by answering questions for external and internal customers in a timely and professional manner. Remarkable acumen to oversee multiple tasks, prioritize, perform within a fast-paced environment, work effectively under pressure, and meet tight deadlines.

CORE COMPETENCIES

• Mortgage Loans / Loan Processing

• Strategic Planning & Execution

• Regulatory Compliance

• Risk Assessment & Loss Mitigation

• Team Building & Leadership

• Collaboration & Negotiation

• Reporting & Documentation

• Research & Analysis

• Complex Problem Solving

• Stakeholders Management

• Effective Communication

• Relationship Management

PROFESSIONAL EXPERIENCE

Senior Loan Processor, Freedom Mortgage Services/RoundPoint Mortgage Services Corp. Melville Mar 2015 – Oct 2022

Leveraged in-depth knowledge and understanding of mortgage processing, including functionally analyzing and verifying client’s income, credit report, personal identification, and supplemental information to prepare documents for underwriting approvals/denials.

Oversaw and monitored varying pipeline size of prospective applications; reviewed loan conditions/requirements and gathered necessary documents from applicants.

Scrutinized loan risk by performing accurate debt-to-income ratio analysis to determine a borrower's ability to repay a loan.

Responded to inquiries from applicants and other interested parties regarding status of applications and reasons for agency decisions.

Possess comprehensive knowledge of Conventional, FHA, Non-Confirming, SONYMA, Agency Jumbo, Reno, and VA products. Home Service Specialist II / Jr. Underwriter, Bank of America, NY May 2010 – Mar 2015

Administered various responsibilities, such as opening loans and sending initial disclosure packages to customers proficiently.

Spearheaded the clearing of commitment conditions on loans approved by an Underwriter or an Automated System within designated signing authority limits.

Conducted necessary verifications, including income/employment, assets, rent/mortgage, social security reports, IRS transcripts, appraisal & title report, and FEMA disaster reports processing of changes to the terms of previously approved loans.

Revised title issues that included vesting, child support liens, judgments, lis pendens, and reconveyances.

Obtained/corroborated loan payoffs accuracy and synchronized closing activities while maintaining a high level of customer service and effective communication with all customers and other parties of interest.

Understood all applicable ethical banking laws and regulations, such as bank secrecy act, US patriot act, office of foreign assets & control, anti-money laundering, right to financial privacy, and safe act. Additional experience as Home Service Specialist at Aerotek Temp Agency / President, Owner at Mortgage Broker / Sr. Mortgage Processor at Eastern Equity Corp. / Processing Supervisor at New York Mortgage Bankers, Ltd. / Office Manager at Lincoln Mortgage Services

EDUCATION

Direct Endorsement Underwriting – Capstone Institute of Mortgage Financing TECHNICAL SKILLS

Microsoft Office Suite Encompass Edge

Pauline Bishop

Laurelton, NY, 11413 917-***-**** ad4jve@r.postjobfree.com

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