Mortgage Loan Processor
Resume:
VICKI MARINO
SR. Loan Processor
Granbury, Texas, United States
*****.**************@*******.***
SUMMARY
* Critical Thinking. I am critical thinker.
I believe the approach taken in tackling any problems needs to be thought out and handled with professionalism, before making any decisions according to
guidelines.
* Goal Setting Skills. I am a self-starter,
that knows how to set my own goals for the company. as well as to achieve set goals without compromising ethical obligations to the customer or client involved.
*Understanding Mortgage Loan Operations: Full knowledge of the ins and outs of the mortgage loan operations, policies, guidelines, underwriting, and procedures in multiple departments.
* Proper Time Management. The ability to manage my pipeline, and time efficiently including the time spent with others.
*Technical Skills. I am knowledgeable in Word, Excell, PowerPoint, Word Access, Word Office, Microsoft Outlook, Encompass, Internet Explorer, Calyx Point, and all office equipment. WORK EXPERIENCE
October 2023-Current
Receptionist
Shottenkirk Ford
Granbury, Texas, United States
Answer all calls when they come and transfer them to the department or person they need. August 2021-December 2022
SR. Loan Processor
Prosperity bank
Richardson, Texas, United States
Serve as the main point of contact for title companies, real estate agents, mortgage loan officer/ mortgage loan originator, borrowers, and mortgage underwriters to facilitate a timely loan closing. 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. Order third party documentation and reports for residential home loans, create and maintain the mortgage loan file, and assist in clearing underwriting conditions as requested. Input loan file documentation accurately into necessary software programs Ensure that all loan files, credit packages, and disclosure packages comply with company lending policies, as well as state and federal lending guidelines.
April 2019-August 2021
SR Loan Processor/Disclosure Desk Specialist
HomeVantage Mortgage
Austin, Texas, United States
I reviewed the borrower's documents in my initial assessment, where I then created my needs list for the loan officer and their assistant I continued to monitor the file until it was ready to go into underwriting I would then submit the loan into underwriting
When the loan came out of underwriting, I would review the approval and compile the conditions required to close Then, I re-submitted the loan back to underwriting for my final clear to close I would prepare the file for closing and made sure all funding conditions were addressed and cleared
I would monitor the release of the closing CD to ensure all fees were correct, and the borrower had signed in time. I worked a Disclosure Desk Specialist
Responsibilities & Duties
. Ensure disclosure accuracy as well as review of disclosures and estimates, including dates, APR/Non-APR fields.
. Monitors pipeline to ensure compliance with disclosure timing requirements
. Monitors pipeline to ensure compliance with ECOA/NOIA timing requirements
. Input and/or update mortgage application fee information into the loan origination system.
. Verify the accuracy of data input of loan application prior to disclosing to the borrower.
. Prepare the disclosure package, which will be sent to the applicant through either electronic or paper means.
. Research discrepancies on files during the disclosing process and discuss with appropriate parties.
. Enter compliance fee tests are performed for each application received and updated/corrected as needed.
. Maintain open communication with loan officers to ensure proper and timely processing of disclosures.
. Prepare post-closing disclosures to ensure corporate compliance requirement.
. Responsible for auditing disclosures to verify all required disclosures (Fed & State) are correctly given in the LE & CD.
. Maintain strict confidentiality regarding customer's personal and financial information.
. Perform other duties as assigned by management
September 2017-November 2018
Transaction Coordinator/Loan Processor
Cardinal Financial. LLC
Irving, Texas, United States
Serve as the main point of contact for title companies, real estate agents, mortgage loan officer/ mortgage loan originator, borrowers, and mortgage underwriters to facilitate a timely loan closing 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
Order third party documentation and reports for residential home loans, create and maintain the mortgage loan file, and assist in clearing underwriting conditions as requested
Input loan file documentation accurately into necessary software programs Ensure that all loan files, credit packages, and disclosure packages comply with company lending policies, as well as state and federal lending guidelines
July 2014-September 2017
Sr. Loan processor
Cendera Funding
Cleburne, Texas, United States
Serve as the main point of contact for title companies, real estate agents, mortgage loan officer/ mortgage loan originator, borrowers, and mortgage underwriters to facilitate a timely loan closing 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
Order third party documentation and reports for residential home loans, create and maintain the mortgage loan file, and assist in clearing underwriting conditions as requested
Input loan file documentation accurately into necessary software programs Ensure that all loan files, credit packages, and disclosure packages comply with company lending policies, as well as state and federal lending guidelines
June 2012-July 2014
Sr. Loan Processor
Guild Mortgage Company
Ennis, Texas, United States
Serve as the main point of contact for title companies, real estate agents, mortgage loan officer/ mortgage loan originator, borrowers, and mortgage underwriters to facilitate a timely loan closing 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
Order third party documentation and reports for residential home loans, create and maintain the mortgage loan file, and assist in clearing underwriting conditions as requested
Input loan file documentation accurately into necessary software programs Ensure that all loan files, credit packages, and disclosure packages comply with company lending policies, as well as state and federal lending guidelines
September 2011-June 2012
Loan Processor
Ennis State Bank
Ennis, Texas, United States
I accepted and posted mortgage payments to the customers' accounts I completed order outs on all new loans, answered the phones for the mortgage department
We primarily processed FannieMae loans
I reviewed the documents for income, assets, and liabilities before submitting the loan through AUS Upon AUS approval I forwarded the loan to the loan officer to work with the borrowers. March 2008-September 2008
Loan Officer
COFED BANK
Dallas, Texas, United States
Originated loan applications, reviewed income, creditworthiness, and assets to determine appropriate mortgage for clients
I would present mortgage products for which the clients were appropriately eligible
I educated clients about the requirements and guidelines for applicable loan programs rather it be Conventional, FHA/VA, Bond, and USDA I priced and locked the loans
I was responsible for generating my own pipeline, from client referrals, marketing realtors, and builders.
EDUCATION
-Current
High School Diploma
Bryan Adams High School
Dallas, Texas, United States
High School Diploma
Bryan Adams High School- Dallas
COOKING, FISHING, MOVIES
I love to cook and bake for my family. Trying out new recipes. I love to fish and my favorite is with a cork an minnow. Movies, mostly any with the exception of horror movies. SKILLS
Closing FHA/VA Loans Mortgage Underwriting Mortgage Loan Lending Loan Documentation Loan Origination Loan Closing Banking Loan Loan Operations Loan Processor Real Estate Disclosures Title Insurance Auditing Payments Problem-Solving Self-Starter Self Starter Documentation Pipeline Secretarial Payroll Time Management Operations Cooking USDA Customer Service Representative Internet Explorer User Interface UI Marketing Excel Microsoft Internet Explorer Microsoft Outlook Microsoft Powerpoint Powerpoint HONORS & AWARDS
Vicki Gannon
I won processor of the year.
Presidential award for 24 months straight in processing the number of loans per month. Employee of the year for teamwork
LANGUAGES
English - Intermediate
WORK AUTHORIZATION
I am authorized to work in the following countries:
• United States
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