Mortgage Loan Processor

Marina Onikul

************@*****.*** · 818-***-**** · 20323 Angelina Pl · Woodland Hills, CA 91364

SENIOR MORTGAGE PROFESSIONAL

Collaborative and supportive team player with success-driven management skills.

Accomplished Senior Mortgage Specialist with 20+ year experience in residential and commercial loan sales and processing. Completed the full cycle of mortgage loan processing from receipt of loan application to the final loan approval and closing. Foster client relationships to identify the requirements and analyze loan applications to guide the decision making. Deliver solutions that improve the processes, minimize risk, enhance client satisfaction and achieve operational and financial goals while complying with standards and regulations. Exceptional analytical and problem-solving skills. Attention to detail and collaborative.

EXPERIENCE SUMMARY

Commercial and Residential Real Estate.

Conventional, VA, FHA guidelines.

Portfolio product.

Sub-prime / Hard Money guidelines.

Home Equity Line

In-depth knowledge of mortgage lending procedures.

Risk / Credit Analysis

Loan origination, processing and closing policies

Underwriting

Quality control

Automated processing systems

Credit policies

Approval processes

Client Relationship Management

PROFESSIONAL HISTORY

2020 July – August 2023 – US Bank, Thousand Oaks, CA Mortgage Customer Specialist

Effectively managed over 1,400 client relationships, processing an average of 40 mortgage loan applications per month.

Obtained and reviewed necessary loan information, preparing required loan documentation and taking appropriate actions on any issues.

Interacted with internal team and external sources to coordinate loan analysis, working with escrow and title companies, insurances, appraisal and legal institutions.

Collaborated with underwriters and closers, performing different types of data verifications.

Coordinated loan closing, ensuring that all documentation is properly executed.

2010 February - July 2020 – Robbins and Lloyd Mortgage, Encino, CA, Mortgage Consultant and Loan Processor.

Managed over 700 client relationships. Interviewed and processed 20+ mortgage loan applicants monthly.

Provided expert financial advice on residential and commercial loans.

Performed the full cycle of mortgage processing from origination of loan application to loan closing and funding.

Executed effective mortgage marketing strategies to expand business rapidly.

2004 January - February 2010 – Century21 – Hollywood, CA, Loan Officer

Worked with client to identify their financial goals, analyzed applicant’s financial status, credit and property evaluation to determine feasibility of granting loans.

Completed loan application documents and provided timely disclosures under the law to clients.

Analyzed potential loan markets and developed referral network to locate prospects for loans.

EDUCATION:

Pierce college, Woodland Hills, CA – Accounting, Finance, Real Estate and Business Administration.

CERTIFICATIONS:

NMLS License #348260

CA Real Estate License #01424536

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