Angelina Serna **** E. Wilshire #***

Fullerton, CA 92831

714-***-****

ad4l62@r.postjobfree.com

Experience Profile

** ***** ** ******** ******* experience in FHA, VA, Conventional, Non - QM and Sub-prime markets. Sales and Operations Management experience. Exceptional strength in the Underwriting, Account management, Customer Service, and processing procedures. Proficient at evaluating process flow to increase efficiency of workflow processes and customer service. Proven ability to lead operational team, top sales account, and excellent customer service skills. EXPERIENCE

First Foundation Bank, Irvine, CA – Sr. Residential Loan Specialist- May 2022-March2023 Prepare required early regulatory disclosures including the new TRID early disclosure and the TRID closing disclosures, Review and verify that the application package submitted by the Borrower is complete. If necessary, provide Borrower with a Deficiency letter and applicable attachments. Field calls from Borrower, and other parties involved in the transaction with regard to the requirements and/or status of the file, Order Flood Certifications and verifies that a Flood I.D letter is sent to the Borrower if the property is located in a flood zone, Order personal credit reports, business credit reports and evaluates credit reports for credit quality. If necessary, request an explanation for derogatory/public record items, Order the DNBI reports, UCC search and coordinates with the UW for their review as required, Request OFAC Reviews, Order and review purchase contracts, escrow instructions and preliminary title reports with all supporting documents, Request and review entity documents and lease agreements and coordinates any deficiencies with the UW, Reviewing LLC operating agreements, Entity docs, Trust Docs to validate proper vesting and enter EIN numbers properly preparing files for docs. Coordinate the ordering and/or receipt of all additional structural reports, environmental reports, appraisal reports, and leases required by the UW, Prepares the loan for final loan documentation preparation. This includes ensuring all input is complete in Mortgagebot and all documentation is uploaded into Director.

Planet Home Lending LLC, Irving, TX – Retention Dept Sr Loan Processor August 2020 to March 2022 Review loans for completeness of loan package. Order services: FHA case requests, Data Verify, 4506 transcripts, payoff demands for all liens. Calculate self-employed tax returns. Open title, order payoffs, clear liens. Review appraisals and clear appraisal conditions. Requested VA appraisals through VA portal. Submit files for loan approval and clear conditions. Order loan documents and initial disclosures. Collect post-funding conditions. Work with loan officer and client to ensure transaction is done quickly and accurately. Enter all fees and or credits on itemization as well as enter all required figures to set up escrow accounts in itemization screen. Send out all CD’S or LE’S required in a timely manner in accordance with TRID guidelines. Work with the title to clear liens and acquire subordination agreements.

FlexPoint Mortgage, Costa Mesa, CA — Senior Processor September 2019 – July 2020 Collaborated closely with account executives on obtaining necessary conditions to complete each loan package. Adhere to strict regulations. Monitored information for accuracy and ensure time-constraints for funding requirements are consistently met. Coordinated files from origination through to funding. Enter all fees and or credits on itemization as well as enter all required figures to set up escrow accounts in itemization screen. Send out all CD’S or LE’S required in a timely manner in accordance with TRID guidelines.

Americor Financial, Irvine CA — Debt Settlement Specialist October 2018 - July 2019 Responsible for contacting creditors, collection agencies, and Attorney’s offices to negotiate a reduced settlement on delinquent and or charge off accounts on behalf of our clients. Calculate acceptable settlement amounts according to guidelines set forth by management. Effectively manage an open que of accounts to consistently reach a monthly production goal set by management. Review client accounts to determine availability of funds needed to settle said accounts. Gather and submit required documentation for approval and payment of settlements and fees. Championed teamwork and collaboration. Utilizing multi-tasking and communication skills to work through the account que. Mr. Cooper, Santa Ana, CA — NSA Account Manager October 2017 - March 2018 Responsible for accurately moving the loan file from the Processing stage gathering all required supporting documentation for income, assets, clear all title issues, Disclose LE and CD, then moving to Loan Docs. Communicated loan status and or needs to Loan Officer’s, Lenders, Title/Settlement Agents, and Operations staff. Perform all duties in accordance with all company guidelines and applicable Federal and State Guidelines.

Broadview Mortgage, Orange, CA — Processing Manager August of 2016 - January 2019 Managed subordinate staff in day-to-day performance of daily tasks as first level manager. Ensure that new loan packages are processed and completed per established policies and procedures. Ensure that all TRID at time of opening file, rate lock, and ensure that LE and or CD’S were sent out Ina timely manner. Evaluated all loans for accuracy, completion, and compliance per Government regulations. Monitoring processes for efficiency and effectiveness provides management with recommendations. For improvement. Develop and implement training for operation staff. Ensured that project and department milestones / goals were met and adhering to approved budgets. Had full authority for personnel actions due to extensive knowledge of department Processes. SKILLS

Mortgage Lending • U.S. Federal Housing Authority (FHA) • Loans • Refinance • Residential Mortgages

• U.S. VA Loans • Credit • U.S. FHA Financing • U.S. Department of Agriculture (USDA),