Customer Service Loan Processor
Resume:
AJIBOLA ADEDIGBA
***** ******** ****** **** # **** Euless TX 76040.
ad5ei3@r.postjobfree.com
About Me:
Accurate and efficient Loan Processor with 6 years of experience. Skilled at evaluating financial documents and client interaction. Adept in assisting qualified applicants with obtaining loans in a timely manner. Able to successfully analyze and evaluate loan applications, income, assets, liabilities, credit. The ability to cultivate trustworthy relationships, aid and abide by all laws and regulations.
Experience:
MORTGAGE LOAN PROCESSOR
Mutual of Omaha Mortgage Inc.
Georgetown, TX
DECEMBER 2019 – DECEMBER 2022
Managed intake and processing of home refinance loans from underwriting to closing
Maintained 30-40 loan pipeline of conventional full-doc, HARP, FHA, and co-op refinances while consistently closing 20+ per month.
Managed top levels of customer service with borrowers; repeatedly earned monthly awards given for top customer service.
Provided support to loan originator and underwriting departments.
Researched and reviewed income, HUD-1, credit, employment, appraisals, and property information
Closed a purchase loan in less than 30 days; recognized by Regional Manager for outstanding performance.
Earned appreciation as a call monitoring Superstar; effectively addressed the needs and concerns of customers while adhering to Chase guidelines regarding authentication, disclosure, and customer service.
Achieved award for meeting customer satisfaction guidelines based on customer survey ratings.
Received outstanding quality award; effectively compiled data relating to loan application.
Organized and submitted loan refinance and purchase applications for over 23 financial institutions.
Demonstrated effective customer communication and service skills.
Accomplished Optimization of Business Process Flow resulting in measurable increase of successful loan applications by 50%
Reviews loans for compliance within RESPA, TIL, HMDA, Reg. B, and other mortgage related regulations. Prepares proper disclosures as required by regulations.
Solid knowledge of MS Office, Loan Origination Software (LOS), and Automated Underwriting System (AUS).
Obtain and verify that all loan documentation, such as title insurance, appraisals, loan applications, credit reports, and income and asset declarations are accurate and provided promptly to underwriters for loan approval.
Performs an analysis and complete appraisal review, along with completing checklist, on all mortgage and consumer loan appraisals.
Directly communicates with loan officer(s), customer(s), and underwriter(s) to obtain initial and missing documentation required to qualify for the loan, including but not limited to income and asset information, credit authorization, trust agreements, purchase agreements, construction documents, etc.
Maintains high level of customer service while managing each applicant’s expectations.
Documents all communication related to the loan in the conversation log.
Manages pipeline by reports within allotted turn-around times.
Maintains awareness, understanding, and compliance with the bank’s internal policies and procedures.
Aids in response to regulatory and internal/external audit requests.
Assists in training new loan processors and other processing personnel.
Submits loans through DU and orders and follows up on any outside services such as credit reports, title.
Detailed knowledge of FHA, VA, Conventional, USDA.
Network and interact with others to build internal relationships to foster team environment
Responsible for obtaining and assembling complete loan packages in proper order for underwriting. Completes required loan checklists. Verifies all required documentation in the file (pre-underwrite)
MORTGAGE LOAN PROCESSOR.
Trident Mortgage Company.
Cherry Hill, NJ
JANUARY 2016 – OCTOBER 2019
Reviews loans for compliance within RESPA, TILA, TRID, HMDA, Reg. B, and other mortgage related regulations. Prepares proper disclosures as required by regulations.
Performs an analysis and complete appraisal review, along with completing checklist, on all mortgage and consumer loan appraisals.
Directly communicates with loan officer(s), customer(s), and underwriter(s) to obtain initial and missing documentation required to qualify for the loan, including but not limited to income and asset information, credit authorization, trust agreements, purchase agreements, construction documents, etc.
Maintains high level of customer service while managing each applicant’s expectations.
Documents all communication related to the loan in the conversation log.
Manages pipeline by reports within allotted turn-around times.
Maintains awareness, understanding, and compliance with the bank’s internal policies and procedures.
Aids in response to regulatory and internal/external audit requests.
Assists in training new loan processors and other processing personnel.
Submits loans through DU and orders and follows up on any outside services such as credit reports, title.
Detailed knowledge of FHA, VA, Conventional, USDA.
Network and interact with others to build internal relationships to foster team environment.
Responsible for obtaining and assembling complete loan packages in proper order for underwriting. Completes required loan checklists. Verifies all required documentation in the file (pre-underwrite)
Education:
Leads City University.
BSC COMPUTER SCIENCE
JUNE 2012
Skills:
MS office Suite.
Appraisal Review
Attention to details and good eyes for Auditing
Excellent use of Encompass
Excellent Customer Service Skills
Strong Documentation Skills
FHA, VA, HMDA, & Jumbos
Solid mathematical and analytical skills.
Demonstrated strong problem solving and member service skills.
HIGHLIGHTS
Fannie Mae and Freddie Mac Guidelines, FHA, USDA Rural Development Loans, VA, Jumbo loans, Unix Administration, Loan processing, Encompass 360, Refinance, HARP, Loan to value ratios, debt to income ratios, Reverse mortgage, Cash Flow Analysis, Credit, and Income Analysis, New TRID Changes, Desktop Underwriter, Loan Prospector.
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