Data Entry Clerk
Resume:
RENITA RODRIGUEZ
*** ****** ***** ***** **********, PA 19061
Cell: 610-***-****
Email: ********@*****.***
PROFESSIONAL SUMMARY:
Seasoned Loan Underwriter/Processor with over 15 years of expertise in the mortgage industry. Proven track record in evaluating loan applications, mitigating risks, and ensuring compliance with regulatory requirements. Adept at managing high-volume pipelines while maintaining a commitment to precision and client satisfaction. Skilled in fostering productive relationships with stakeholders to facilitate loan processing and an enjoyable customer experience. Eager to leverage my extensive experience to be a positive addition to a cohesive and successful team.
SKILLS:
Excellent written and verbal communication
Strong organizational & problem-solving skills
Effective time-management skills to prioritize workload and meet stringent deadlines
Ability to multi-task & work independently and in a team environment
Proficient in AUS of DU/DO and LP and in manual underwriting
Skillful in various mortgage systems of Encompass, PC Lender, E3 and MortgageWare
Able to learn and adapt to various situations quickly
Processed up to 100 files with 75% daily touch
Proficient in MS Word, Excel and Outlook
Familiar with Community Reinvestment Act, TRID requirements, Third Party Originations & LexisNexis
Appraisal Accuracy
EXPERIENCE:
Chichester High School, Boothwyn, PA
Attendance Secretary / September 2024 – Present
Recorded logs and updated student attendance in computer system
Answered incoming phone calls
Greeted and directed parents, outside school personnel and visitors for appointments
ADECCO, Newark, DE
Contract Position / March 2024 – July 2024 and October 2023 – November 2023
Processed applications
Organized and reviewed paperwork to ensure accuracy
Federal Express, Lester, PA
Material Handler / September 2023 – November 2023
Scanned packages to record receipt
Loaded packages to various trucks
T2 Financial DBA Revolution Mortgage, Remote
Jr. Underwriter / June 2023 – August 2023
Made approval and denial recommendations by determining accurate risk levels for Conventional and FHA loans
Analyzed credit reports, income statements of paystubs, W-2s, tax returns, P&L and Balance Statements, bank statements, employment and asset verifications for borrower’s credit worthiness
Regularly enrolled in courses/classes to stay updated on Fannie Mae/Freddie Mac guidelines and industry policy changes
Discussed loan updates with loan officer and/or loan processor
Reviewed loan conditions for accuracy and acceptance
MS Word, Excel and Outlook daily usage
Processing Specialist / January 2022 – June 2023
Ordered and reviewed appraisals, flood certifications, employment/mortgage verifications and risk evaluation reports
Analyzed homeowner’s/condo/flood insurance policies and title commitments for accuracy
Updated Conventional, FHA and VA loan applications with credit report, income and asset documentation for accuracy for underwriter submission
Daily contact with borrowers, loan officers, underwriters, closers, post closers, title company representatives and closing attorneys
MS Word, Excel and Outlook daily usage
Prosperity Home Loans formerly Trident Mortgage Company, Remote
Underwriter / March 2015 – January 2022
Analyzed credit applications for Conventional and Bond Loans to decision applicant’s ability to pay mortgage loan requested
Reviewed title commitments, hazard/condo/flood insurance policies, and appraisal/collateral reports
Ordered credit reports and risk evaluation documents
Discussed loan updates with loan officer and/or loan processor
Assisted post-closing by obtaining additional documentation on various files as required from investor
MS Word, Excel and Outlook daily usage
Senior Loan Processor / September 2011 – March 2015
Ordered credit reports, hazard/condo/flood insurance policies, employment/rental/mortgage verifications
Updated Conventional, FHA and VA loan applications for accuracy for underwriter submission
Packaged loan files for delivery to outside vendors and/or investors
Daily contact with borrowers, loan officers, underwriters, closers, post closers, title company representatives/closing attorneys
Assisted junior processors by reviewing conditions and procedures, and addressing questions
MS Word, Excel and Outlook daily usage
M and T Bank formerly Wilmington Trust Company, Wilmington, DE
Underwriter/Banking Officer / November 2003 – July 2011
Analyzed and decisioned credit applications for Conventional, FHA and Jumbo loans for borrower’s ability to pay mortgage
Reviewed credit reports, appraisals, flood certifications, income and asset documents, employment/rental/mortgage/deposit verifications, and risk evaluations
Packaged loans for delivery to outside vendors
Assisted loan officers with RESPA disclosures
Assisted post-closing in reviewing files and gathering additional documentation required for investor purchase
MS Word, Excel and Outlook daily usage
Additional experience to be provided upon request
EDUCATION:
Chichester Senior High School, Boothwyn PA
Academic Major September 1982 – June 1985
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