Mortgage Loan Processor

KATHRYN PADILLA

Cedar Park, TX *****

Ph #512-***-**** Email: *************@*****.***

PROFESSIONAL WORK EXPERIENCE:

• Austin Telco Federal Credit. Union,, Austin,, TX 78759-(January 2023 to current)

• Commercial Loan Assistant. Collect, setup & prepare Loan files for Underwriting. Order Loan verifications for files; (title work, flood certs, credit reports, inspection reports, schedule closings. Collect on Monitoring items for current loan Servicing files. Assist the Director/Assistant Vice President of Commercial Department on anything additional in a day to day schedule.

• Supreme Lending Mortgage, Austin, TX 78731 July 2nd 2012- September 2nd 2022 . Sr. Mortgage Loan Processor-Process Conventional, FHA, VA, USDA Loan Programs

• Benchmark Mortgage, Cedar Park, TX 78613 May 2012 – June 2012 Sr. Mortgage Loan Processor-Process Conventional, FHA, VA, USDA Loan Programs

• Envoy Mortgage, Houston, TX 77056 March 1st 2010 - M a y 2012 Sr. Mortgage Loan Processor- Process Conventional, FHA, VA,, USDA Loan Programs

• KP Contract Processing, Austin, TX May 2006 - 12/31/2009 Sr. Mortgage Loan Processor / Owner – Process Conventional, FHA, VA, USDA Loan Programs

• Mortgage Factory, Inc / Mortgages Direct, Austin, TX May 2001 - May 2006 Sr. Loan Processor - Process Conventional, FHA, VA, USDA Loan Programs

• Padilla's Contract Processing, Los Lunas, NM August 2000 - February 2001 Sr. Loan Processor- Process Conventional, FHA, VA Loans

• Superior Mortgage Services, Inc., Albuquerque, NM April 1998 - July 2000 Loan Processor - Process Conventional, FHA, VA Loans

MORTGAGE WORK SUMMARY:

• Receive file(s) from mortgage loan officer(s) for processing.

• Review credit files; income, assets, credit report, and any other loans documents in credit file.

• Prepare needs list to be sent to borrower.

• Run AUS (Automated Underwriting) DU or LP or any other preferred Automated Underwriting.

• Call & introduce myself by phone and email list to borrower.

• Order items; title work, property appraisal and home owners insurance.

• Order (VOE) employment verifications and (VOD) assets verification as needed.

• Prepare file for underwriting and submit.

• Once file(s) are issued loan approvals from underwriting, I then start to collect items required by underwriting.

• Once items are in & then I prepare file for resubmission for final loan approval to be issued.

• Once file is (CTC) Clear to close, I then prepare file for the closing department. SKILLS:

• Encompass Origination System

• Calyx Point Origination System

• Microsoft Outlook,

• Microsoft Word

• Excel Spreadsheet

• Excellent Communication, Organizational, Prioritization skills.

• Detail - Oriented

• Customer Service Skills

EDUCATION: Graduated High School, Los Lunas, NM in the year of 1987. Attended College in Tome, NM

(University of New Mexico) at the Valencia Campus Branch; years: 1987-1989

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