Highlands Ranch Financial Planning
Resume:
Natasha Arellano
Highlands Ranch, CO 80129
Cell: 303-***-****
*****************@*****.***
NMLS #2538327
Notary ID: 202********
Professional Summary
Licensed MLO and a licensed Notary with the state of Colorado. Over 25 years of experience in all aspects of mortgage operations. Strong interpersonal skills; extremely observant and mindful, always paying attention to details. Extensive knowledge of the loan process from initial loan submission, through processing and underwriting, to closing.
Key Skills:
Experienced in gathering information and taking a file from pre-approval through closing.
Responsible for ensuring all loan documentation is complete and accurately verified and complies with company policy. Proficient in preparing all legal closing documents and completing the funding process of a loan. Extensive experience interacting with applicants/borrowers, realtors, builders, appraisers, title companies and others throughout the mortgage process to insure efficient and timely workflow.
Work History:
PNC December 2023 – Present
Branch Banker
Responsible for financial planning and opening new accounts for new and existing clients.
Adept at evaluating customer concerns and needs to provide them with bank services and products that facilitate the attainment of their financial goals.
Provide advice on all aspects of banking including trusts, bonds, equities and other financial products.
Fairway Independent Mortgage Corporation, Corporate, October 2016 – September 2023
Corporate Closer
Effectively finalized all mortgage documentation to ensure a smooth and successful loan closing.
Responsible for closing for numerous branches across the United States.
Coordinating the entire closing process with title/escrow companies.
Responsible for complying with each state’s individual guidelines for all closing documents.
Responsible for all final balancing on the buyer and seller side.
Ensuring the wire is balanced and at the closing table prior to closing.
Addressing all issues throughout the loan process to ensure an effective and smooth transaction.
Nova Home Loans, Highlands Ranch CO, May 2014 - October 2016
Processor
Review all files when received into processing department, all income and asset documentation put into the file for review to be submitted to underwriting.
Responsible for ordering all appropriate documents including credit report updates, all title documents, appraisal, final inspections, hazard insurance, flood certification and flood insurance if required.
Ensure all hazard and flood insurance meets investor requirements prior to the loan closing.
Analyze all aspects of the mortgage credit package including but not limited to: accuracy of file input, timely delivery of required application disclosures, title policy, assets and asset documentation, income figures and income documentation including personal tax returns, credit report/credit documentation and appraisal review.
Responsible for verifying all income documentation including verification of employment and income information in order to validate qualifying income and complete income history for loan approval.
Responsible for ensuring all credit packages comply with regulatory requirements and corporate guidelines.
Support and uphold credit policy and all Federal and State Lending Regulations.
GMAC Mortgage, Englewood CO 2000-2005
Customer Loan Specialist/Closer
Obtain original loan file from loan officer upon loan submission to processing.
Input all data and gather all necessary paperwork from borrower for loan approval process.
Issue final approval on all conventional desktop underwriter approve/eligible loans.
Responsible for submitting all government and bond loans to DE underwriter for final approval.
Responsible for obtaining and verifying validity of all prior to closing conditions.
Coordinated and prepared all closing documents once file is ready to close.
Responsible for funding, balancing wire and making sure all closing conditions have been met.
Complete review of final HUD1 Settlement Statement for accuracy of figures.
Amerinet Financial/Homespace, Englewood CO 1998- 2000
Closer
Responsible for coordinating the mortgage closing process.
Prepare and provide all necessary legal documentation.
Responsible for working with many different lenders to be sure all closing conditions have been met prior to funding.
Balancing wire and working with the Title Company for accurate disbursement of funds.
Review HUD1 Settlement Statement for accuracy.
Follow up and responsible for determining if closing was successful.
Countrywide Home Loans, Englewood CO 1996-1998
Closer/Funder
Responsible for preparing all necessary closing documents.
Responsible for sending wire to Title Company and balancing wire to ensure accurate disbursement of funds.
Review HUD1 Settlement Statement for accuracy.
Follow up with Title Company after closing in order to determine if closing was successful.
Shipping file to Secondary Market with all closing conditions in file.
Responsible for obtaining any necessary post closing documentation.
Education:
Bachelor of Arts
Kent State University 1996
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