Customer Service Loan Processor

Thoraya Benotmane

Frederick, MD ***** *****************@*****.*** (C) 781-***-****

LOAN PROCESSOR FOR AGENCY AND NON-AGENCY MORTGAGES

Meticulous mortgage loan processor with 5 years of agency and non-agency mortgage pre-underwriting experience. Provides high quality customer service and ensures accuracy of documents through attention to detail, multitasking skills, and exceptional communication skills. Applies knowledge of compliance and disclosure requirements to ensure adherence to regulations. Bilingual in English and Arabic with a BA in international affairs.

Core Competencies

Manual Pre-Underwriting • Agency and Non-Agency Pre-Underwriting • Attention to Detail

Written & Verbal Communication • Problem Solving • Multitasking • Regulatory Compliance • Disclosure Compliance

Pipeline Management • Customer Service • Loan Evaluation • Accuracy • Issue Identification • Loan Management

EXPERIENCE

CROSSCOUNTRY MORTGAGE -REMOTE Norwell, MA

Mortgage Loan Processor 2020–July 2022

Experienced in Conventional; Jumbo; VA; FHA; USDA; 1031 loans.

Analyzed income, credit, and assets by pre-underwriting paperless files and managing documents from clients and loan officers, including paystubs, W2s, tax returns, bank statements, payoffs, and public record searches.

Leveraged DataVerify to examine variances and clear high and medium alerts.

Conducted reviews of loan product (LP) and desktop underwriting (DU) findings.

Reviewed and analyzed agency and non-agency loan products, including bank statement income analysis, asset depletion, foreign national, and self-employment.

issued Initial Closing disclosure.

Researched and provided supporting document to Clare any Middle and Hight Data Verify Alert.

Maintained pipeline of new loans and resubmissions that met standard service-level agreements.

Ensured loan file accuracy, completeness, and compliance with investor and agency guidelines, leveraging attention to detail as well as knowledge of compliance and disclosure requirements.

Determined eligibility of loan application packages by reviewing and meeting with loan officers.

Participated in weekly team meetings with operations and sales departments to update, advise, and discuss work plans for the pipeline, ensuring customer service quality.

Assisted in the clarification and follow-up process for both borrowers and post-closing team.

Completed between 38–45 loans per month.

Served as loan lead, handling processing through first round underwriting through closing, employing problem solving and multitasking skills. Exceeds deadlines, closing on $150K to $2M loans 2–3 weeks before closing date.

UNITEDHEALTHCARE, INC. Frederick, MD

Optum Risk Adjuster, Medicare 2019–2020

Audited health insurance information for accuracy, closing 190 more files per month than coworkers.

WELLS FARGO Frederick, MD

Home Loan Mortgage Processor 2016–2018

Prepared loans for underwriting by performing thorough reviews, analyses, assembly, and verification of borrower credit, employment, income, and assets, as required by loan programs.

Identified potential underwriting issues, including the discovery of undisclosed properties, percentage ownership of businesses, Social Security number issues, and large cash deposits.

Generated loan approval summaries as well as Forms 1008 and 1003, ensuring accuracy of all information.

Communicated directly with loan originator, customer, and underwriter to obtain required documentation.

Reviewed loans for compliance with all mortgage regulations—including The Real Estate Settlement Procedures Act, Truth in Lending Act, Home Mortgage Disclosure Act, and Regulation B—and prepared required disclosures.

Interfaced with companies to obtain documents and payoff information.

Verified that vendor orders were complete, invoices were received, and electronic file was up to date.

Managed pipeline by submitting reports well within deadlines, completing 25–30 high-quality loans per month.

Thoraya Benotmane, Page 2

EXPERIENCE, continued

METRO HOUSING BOSTON Boston, MA

Program Representative 2016

Interpreted and applied state, federal, Department of Housing and Urban Development, Department of Housing and Community Development, and Metro Housing Boston regulations, policies, and procedures.

Facilitated reexamination process for caseloads by determining eligibility, meeting with participants to verify information, calculating rent shares, and processing leasing agreements and housing contracts.

Educated program participants, appropriate agencies, and general public concerning regulations, policies, and procedures, utilizing exceptional oral and written communication skills.

Monitored leasing agreements and housing contracts.

Resolved problems and minor disputes concerning program regulations, rent shares, owner obligations, and family responsibilities.

ROBERT HALF LEGAL Boston, MA

Paralegal 2014–2016

Completed various assignments with different attorneys ranging from immigration and special needs advocacy to health and family law practice.

Assisted senior paralegals in day-to-day tasks, applying knowledge of regulations, excellent communication skills, attention to detail, and multitasking ability.

NORTHEASTERN UNIVERSITY Boston, MA

Teaching Assistant 2012–2014

Guided students to improve their pronunciation and understanding of the Arabic language.

EDUCATION

Arabic Interpreter Certificate, Language Connections, Boston, MA, 2015

Bachelor of Arts in international affairs, Northeastern University, Boston, MA, 2014

Associate of Science in paralegal studies, MassBay Community College, Wellesley Hills, MA, 2012

Associate of Arts in psychology/sociology, MassBay Community College, Wellesley Hills, MA, 2012

ADDITIONAL INFORMATION

Technical Skills: Microsoft Office Suite (Word, Excel, Outlook, PowerPoint), LexisNexis; CORE Business System; Encompass Loan Origination System (LOS); LP; DU.

Awards: Employee of the month, CrossCountry Mortgage, 2020

Languages: Bilingual in Arabic and English

Volunteerism: Board of Directors member, Disability Law Center, 2010–2016; Volunteer, Federation for Children with Special Needs, 2007–2016

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