Loan Processor Financial Services

Gracely Moreno

602-***-**** gracely.moreno @gmail.com

FINANCIAL SERVICES PROFESSIONAL

A 20-year bilingual industry veteran who i s goal-oriented and proficient i n meeting and exceeding established goals and objectives related to the mortgage industry. Strong skills i n time management, works well i dependently as well as part of a team, energetic self-starter with excellent oral and written communication skills, excellent decision making and negotiating skill, and an outstanding customer-relations background.

AREAS OF EXPERTISE

● Computer Proficiency

● Time management

● Customer Satisfaction

● Detailed Analysis

● Critical & Analytical

Thinking

● Team Collaboration

● Problem Solving

● People Skills

● Organization

PROFESSIONAL EXPERIENCE

Loan Processor

Contracted November 2023 to present

• nalyze financial data based on credit rating, income and assets

• Evaluate loan documentation to insure accuracy and completeness perform risk assessments.

• Review a pipeline over files at any giving time.

• Review loans in various states- TX, CA, AZ. Programs- FHA,VA,CONV, bond and USDA- Builder loans

Genesis Global Solutions- Contractor

Sr. Processor/Data Compliance January 2023 to Sept2023

• Process and perform quality control analysis of business cash flow, assets, business tax returns, monthly payroll, profit and loss statements, federal loans, IRS docs, to determine eligibility for approvals

• Identify and remedy defects, audit businesses balance sheets, reported external or internal

• Work closely with Tax attorneys, CPA's, sales and marketing teams to align our services with client needs and expectation

• Receive an award for "Rockstar" of the month of July 2023 for handling 50 claims and submitting 35 claims monthly for ERC refund .

/ Underwriting

Underwrite and evaluate loan applications. A

to determine the level of risk before making a decision. 30

Remote

Résumé • Page 2

Home Point Financial:

U nderwriter September 2020 to Nov 2022

• Responsible for underwriting conventional loans and evaluating residential mortgage applications originated by a variety of branch offices, ensuring to remain in full compliance with mortgage banking requirements with Fannie Mae and Freddie Mac

• Evaluate appraisals, title reports, tax return income, credit and assets, property documentation on loan files so the appropriate decisions are made as to the acceptability of the investment risk

• Approve decline, suspend, and provide counter offers of residential mortgage loan submissions based on a full credit underwrite

• Perform risk analysis and make decisions regarding deficiencies identified during the review process. Identify transaction components that indicate a potential for fraud BBVA: Tempe Arizona

Sr. Loan processor July 2019 to August 2020

• Organized and managed a pipeline of over 50 loans in various stages of processing including purchases, government FHA/VA/USDA/BONDS, CONVENTIONAL and jumbo loans. Closing 30 per month

• Ensured accurate and timely loan processing through efficient compilation of borrower's information and loan document verification

• Working with each client collecting all documentation make sure all documents are signed and dated correctly that is required by the investor/lender and government for final loan approval and clear for closing

• Assist in the lending process to reduce loan cycle time by interacting with the customer and assisting the loan officer.

• Order closing instructions for Texas loans, ordering closing disclosures (Preliminary CD)

• Consistently meet and exceed goals set by management for the number of loans processed to closing customer service and turn time.

Eagle Home Mortgage (Lennar homes)

Sr. loan processor May 2014 to June 2019

• Manage a pipeline of 50 builder loans, FHA and VA, USDA, Bonds, Jumbo loans. Gathering documentation from, customers and reviewing tax return, income, assets credit reports, appraisal, and title work for accuracy and completeness

• Process and close loan applications from initial set-up through funding

• Obtain loan income, asset & credit approvals within 30 days of purchase agreement date

• Ensure all conditions and requirements of underwriting and investors have been met

• Request, review, and analyze collected documents from borrowers and compare to underwriting requirements to fulfill conditions

Résumé • Page 2

IMortgage

Sr. Loan Processor November 2010 to March 2014

• Managed and processed conventional pipeline of 60 plus loans. Refinance, HARP, FHA, VA, loans, according to programs and guidelines.

• Maintained system accuracy, and issued proper disclosures as required by federal regulatory compliance. Reviewed rates, lock expiration, COE dates, subordinations, pay offs, etc.

• Analyze all documents income, credit, and assets thoroughly before submission for final underwriting

• Achieving and exceeding a monthly goal by closing an average of 30 loans.

• Review files for quality assurance control, ensure has zero critical errors Work as a liaison with agents, title Companies, and appraisers etc.

• Utilized LPS, CPI, ERLMF systems to fulfill modification requests.

• Calculated and verified all sources of borrower's income, credit, and assets RE/MAX Achievers: Scottsdale Arizona

Real Estate Agent January 2004 to September 2010

• Act as an intermediary in negotiations between buyers and sellers, generally representing one or the other.

• Present purchase offers to sellers for consideration, compare a property with similar properties that have recently sold to determine its competitive market price.

• Promote sales of properties through advertisements, open houses, and participation in multiple listing Services.

• Prepare documents such as representation contracts, purchase agreements, closing statements, deeds, and leases

• Review property listings, trade journals, and relevant literature, and attend conventions, seminars, and staff and association meetings to remain knowledgeable about real estate markets.

• Manage meetings between buyers and sellers when details of transactions need to be negotiated.

EDUCATION

Real Estate Licensee Scottsdale, AZ

College: Divine Salvador CA. Bachelors in accounting TECHNOLOGY TOOLS

Microsoft Office • Google Workspace • Encompass • Blend • HubSpot • AWS • 2.0

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