Loan Processor Account Manager

MELISSA GALLIO

714-***-**** **************@***.***

LOAN PROCESSOR

** ***** ** ******* ********** in the Mortgage Industry as a Senior Loan Processor/Account Manager for Retail, Correspondent and Wholesale Loans in multiple states with the ability to process a loan from initial application to funding

Roles spanning as Loan Processor, Broker Account Manager, Junior Underwriter, Funding Coordinator, TRID Compliance Auditing, Servicing, Loan Modification, Foreclosure and Bankruptcy Loan Analyst

Fluent knowledge in Conforming (FNMA, FHLMC, FHA & VA), Jumbo, USDA, Closed End Seconds, DPA, Manufactured, NON-QM, Brokered and Loan Modifications

Credit Report Review, Income Calculation, Assets Review, Title Review, Appraisal Review, Insurance, Condo Review, Initial Disclosures, Loan Estimates & Closing Disclosures

Exceptional Customer Service Pipeline Management Ability to prioritize workflow to meet all deadlines

Attention to Detail, Time Management, Multitasking, Organized, Strong Analytical Skills and TRID Compliance

Knowledge of Product Guidelines l Compliance, Fair Lending, RESPA, HMDA. TILA, ECOA and Regulatory Compliance

Track record of exceeding production targets, maximizing revenues, and building client satisfaction in retail and wholesale markets

Loan Types

FNMA FHLMC FHA & VA NON-QM USDA l Closed End Seconds l Loan Modifications Bankruptcy Foreclosure

Technical Skills

Encompass BytePro Lending Pad Blend CRM Sales Force AIQ DU & LP l FHA Connection VA Portal

Microsoft Office: Word, Excel, Outlook, Windows and Teams

PROFESSIONAL EXPERIENCE

SENIOR LOAN PROCESSOR Paramount Residential Mortgage Group April 2022 to January 2024

Analyze and evaluate loan documentation to process loans from submission through closing for Conventional, Jumbo, FHA, VA, Brokered, Closed End Seconds, Non-QM and USDA loans. Pre-Underwrite of loan prior to submission to Underwriting. Analyze Income & Tax Returns, Credit Reports, Assets, Appraisal, Title, and Escrow Documents. Understanding of the results from Desktop Underwriter (DU) and Loan Prospector (LP). Worked with clients to obtain all loan conditions required with the ability to clear some collateral conditions. Monitoring of closing dates and rate locks

Ordering of Title, Appraisals, Credit Reports, WVOE, VOR, VOA, Tax Transcripts, Condo Questionnaires, Insurance

Reviewed Title Commitment, CPL, Est Title Closing Statement/CD

Prepared all Change of Circumstances (COC), Loan Estimates (LE) and Closing Disclosures (CD)

Communicated with Borrowers to obtain all outstanding loan approval conditions

Coordinated closing with Clients, Closing Department, Title/Escrow and Attorneys

Maintained Pipeline Reports, Followed up with client on status of the loan process and daily communication Loan Officers

SENIOR LOAN PROCESSOR Cross Country Mortgage June 2019 to April 2022

Loan Processing of loans from submission through closing of Conventional, Jumbo, FHA, VA, and USDA loans in multiple states as a Corporate Loan Processor. Full Pre-Underwrite of loan file by Analyzing Income, Credit Reports, Assets, Appraisals along with all other provide loan documents. Results from Desktop Underwriter (DU) and Loan Prospector (LP). Communicated with borrowers and Loan Officers to obtain all outstanding loan approval condition documentation. Once received, reviewed before submitting to underwriting for final loan approval.

Prepared all Change of Circumstances (COC), Loan Estimates (LE) and Closing Disclosures (CD)

Ordering of Title, Appraisals, WVOE, VOR, VOW, Tax Transcripts and Insurance

Review of Title Commitments, CPL, Est, Closing Statements, Coordination of closing appointments

Provided excellent customer service to multiple Branch Managers and Loan Officers

Spoke with Borrowers, Loan Officers, Branch Managers, and Corporate Staff on loan status on a weekly basis

Maintain Pipeline Reports for Management, management of closing dates and rate locks

SENIOR LOAN PROCESSOR Right Start Mortgage June 2018 to June 2019

Loan Processing of files from submission through closing. Processing Conventional, Jumbo, FHA, and VA loans. Review of all documentation received prior to submission to Underwriting. Reviewed Income, Credit Reports, Assets, Tax Returns, results from Desktop Underwriter (DU) and Loan Prospector (LP)

Ordering of Title, Appraisals, Credit Reports, WVOE, VOR, VOA, Tax Transcripts and Insurance

Prepared all Change of Circumstances (COC), Loan Estimates (LE) and Closing Disclosures (CD)

Reviewed Title Commitment, CPL, Est Title Closing Statement/CD

Communicated with Loan Officers on outstanding loan approval conditions and worked with borrower to obtain documentation

SENIOR LOAN PROCESSOR Progressive Loan Funding December 2015 to June 2018

Processing of files from submission through closing of Conventional, Jumbo, FHA and VA loans. Review of all documentation received prior to submission to Underwriting. Reviewed Income, Credit Reports, Assets, Tax Returns, Results from Desktop Underwriter (DU) and Loan Prospector (LP)

Analyze and verify all documentation, Income, Tax Returns, Credit, Assets, Title Reports

Ordering of WVOE, VOR, VOA, VOR, Title,Tax Transcripts and Appraisals

Prepare and submit loan package to Underwriting for initial and final loan approval

Work closely with Borrowers, Loan Officers to gather all documents needed to satisfy Loan Approval conditions

Responsible for completing Loan Estimates (LE), Change of Circumstances (COC), and Closing Disclosures (CD)

LOAN SERVICING MORTGAGE LOAN ANALYST Wells Fargo Home Mortgage December 2013 to December 2015

Supported the foreclosure and bankruptcy departments to review bankruptcy legal documents, ensuring information documents compliance and identified deficiencies submitting recommended revisions to legal counsel

Gathered documents and validate complete chain of title of Notes, Deeds of Trust and Mortgage Assignments

Prepared Motion for Relief, Statement of Review and Affidavit documents for submission to Federal Bankruptcy Courts

Prepared financial analysis reports of payment histories, principal balance, interest, escrow and other fee’s

Executed Affidavits and sign as an officer of the Wells Fargo Bank

Utilized various internal and external systems of record to properly validate data to ensure accuracy

Discussed discrepancies in procedures with management to ensure risk free files are submitted to court on time to meet hearing deadlines

SENIOR LOAN MODIFICATION PROCESSOR Wells Fargo Home Mortgage l December 2009 to December 2013

Processed Loan Modification by assessing the risk and making sure documentation and reason for the modification request meets program requirements. Discussed Loan Modification terms with customer and issued Modification documents to client

Reviewed Financial Statements, Income, Assets, and client Hardship Letters

Communicated with borrowers on a regular basis regarding status and items still pending

Ran completed application through underwriting engine for Loan Modification approval

SENIOR ACCOUNT MANAGER New Century, Encore Credit & Bear Stearns November 1999 to December 2009

Worked with top producing Account Executive Brokers

Pre-Approved loan prior to submission – analyzing income, credit and assets

Worked with Broker personnel in obtaining loan conditions to clear the file for closing

Ability to sign off on certain underwriting conditions to assist with speedy final loan approval

Pipeline Management and continued communication with Brokers

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