Elsa Cordova

adlv3s@r.postjobfree.com 214-***-****

Objective: To use my abilities and experience to achieve full career potential opportunities with education and advancement.

Skills:

● Mortgage, Financial, Banking and Real Estate experience

●Proficient knowledge of Microsoft Office; specifically Word, Power Point, Excel, and Outlook

●Experienced notary for the state of Texas

●Proven ability to prioritize and organize workload for optimum efficiency

●Executive-level communication skills; both written and verbal

●Ability to build good working relationships throughout the organization and within a team

●Experience with Ecopy, MSP, Fidelity, LPS Apps,-LPS Portal,Lsams, Loan Quest, NSL/E-Track,Rumba, AS400, Homesaver, Title Tracker, Unified, Citrix, Oracle image: CRT,Elite, Fortracs, RightFax; County, state, city taxes via Netroline, SCI Website –credit bureaus

Professional Experience:

Veritex Bank

Loan Operations Closer/Funder

Dallas, Texas

07/2019- 04/2020

Pipeline of 100+ loans closes 35-40 loans a month

Mortgage processor / closer / funder for incoming Conventional, FHA, Refinance and Repurchase loans.

Responsible for all Loan Approvals daily on processing loans to meet Agency, Investor and company guidelines.

Consistently communicated with Title Companies and Loan Officers via email and telephone to in a timely manner

Verify Escrow and Fees to associate and match with GL's Accounting Department and Closing Disclosures, Maintain Appraisals,

Flood Certificate, Dwelling Insurance and Condos. Verify Title vesting. Research/Audit all Borrowers Documents including

1003 Applications and 1008 Transmittal Summary

All confidential customer information with Silverlake System.

Fairway Mortgage

New Loan Administrator Loan Administration

Carrollton, Texas 10/2015- 10/2018

●Maintain all Incoming information for New Loans.

●Research and provide detailed missing information on Loans including Documents, Flood Certificates, Hazard insurance and TRID, Appraisal and, Escrow Fees.

●QC/Audit all loans daily for preparation of boarding into the system.

●Systems used for processing and auditing loans Citrix, Encompass and MSP.

Loan Administration 3/2014-7/2015

Pacific Union Financial

Farrmer Branch, Texas

●Daily task involve research of all incoming accounts and fees. Various Mortgage types including FHA, Conventional, VA, Bankruptcy and Foreclosure and Loss Mitigation.

●Pull Verification of Mortgages and loan histories- Reports consistently with all payoff statements from various states In the United States.

●Maintain all inquires and requests on a timely manner each day for Management and various departments with clerical duties involving emails, faxes and calls if needed directly with Attorneys, Title companies and competitors with other Mortgages companies and Banks.

●Systems used are MSP-Fidelity –Black Knight, Data Track to maintain data entry and updating Customer and Mortgage Business information and requests on a Secured and Professional Manner.

Loan Administration Processor 8/2005- 8/05/13

American Home Mortgage- Homeward Residential-

Coppell, Texas

●Assisted Team Leader with the daily loan boarding report regarding the delivered transactions and delivered loan packages. Trained co-workers with clerical duties. Review, Audit/QC processes for payoffs, Funded loans for (FHA - Fannie and Freddie, Con, VA, Foreclosure) for borrowers, vendors title companies and attorneys; research process-pulling of \ credit bureaus. Update fees on PMI and Escrows on Lsams.

●Review and updated loan maintenance on internal systems to ensure all fees/credits with Cashiering processes,funding was expedited to state and investor guidelines with matrix system related to approved loans. Research Mers recording, title, liens, appraisal LTV. Release of documents to title companies, attorneys, vendors, Investors and other mortgage companies and banks.

●Boarded and Audit/QC various Loans including Special loans on internal system. Reviewed credit reports.

●Processed, Set up and Coordinated Closed /Post Closed Documentation including subordination and title processes.

Modification Processor 11/2002-7/2004

Countrywide Mortgage

Dallas, Texas

●Process daily HUD modification and loan agreement documents.

●Audited and reviewed loan packages.

●Maintained and Verified title policies and legal documents.

●Interacted with homeowners, attorneys, and third party vendors regarding foreclosure fees and any missing documents required by HUD

●Calculate ratios and enter the results into the internal system

●Monitored internal systems for pre-foreclosure accounts

●Filed and maintained Motion for Relief/Claim pleadings

●Maintain contact via phone and electronic mail with attorneys and third party vendors

Post Closer/ Auditor/ Order Entry Coordinator 1/2001 to 07/2002

Firs t American Title

Lewisville, Texas

●Daily audited-data entry FHA, Conventional and Va, loans and prepared closing packages –maintained loans with E-Track and AS400

●Contacted investors and vendors, attorneys and title companies regarding incomplete information on documents

●Maintain contact by phone and electronic mail with internal and external requests:

Broker Relations Manager 5/1997-7/2000

The Associates/Ford Consumer Finance

Irving, Texas

●Audited and analyzed loan documents including title release for tax assessor- auto, boat, trailer, mobile homes and RV’s

●Maintained records of all account receivables/payables

●Reviewed employment applications for broker positions within the company. Perform general clerical duties including data entry

Reconveyance Specialist _ 10/1998-10/1999

●Maintain contact via phone and electronic mail with customers, attorneys, and third party vendors regarding account status

●Review and release mortgage accounts with a zero balance

●Confirmed, analyzed and researched all accounts before releasing account

●Perform general clerical duties-released motor vehicles titles for autos, boat, trailer - motor homes

●Data entry

Auditor 5/1997-10/1998

●Maintained daily data on mortgage real estate documents including RESPA

●Maintained and reviewed credit life applications within the company

●Maintain and log reports on daily audits and monthly reports

●Maintained contact with various third party vendors, government entities (including state, city and county verifications) regarding outstanding recorded documents phone, facsimile and electronic mail

Various Loans Processed – Loan setup-Audited-QC- Post Closed Documents, Repurchases, Subordinations-Loan Coordinator.

Data Entry for FHA-Con. VA. Foreclosure, Bankruptcy and Special Loans. Boarded Loans on Lsams – Fidelity Systems. Including

Of Adjustable Rate Pieces. Index rates in reference to Wall Street Journal – Ceiling- Margin-Teaser rates etc. ; Backup Assistant for Team Leader for the Department daily report on boarding daily Loan Administration Loans: Reports and Processing on daily requirements – Time frame and accuracy for Company as expected for New York Headquarters and Branches in surrounding States for American Home Mortgage. Addition- Maintain all Payoff FHA, VA, Foreclosure BK. Audits-Qc Document Research. Computer entry daily. Requests by Customers both internal and external. Frequent Communication both fax and email regarding payoffs

Daily monitor consistent Payoff Compliance standards and matrix requirements.

Communicated with Foreclosure Department on various accounts; Maintained and Verified title policies, legal documents. Contact homeowners and attorneys for foreclosure fees and any missing incomplete information required by HUD Guidelines. Calculate ratios and submit all information to Homesaver tracking system. Interacted with Bankruptcy and Foreclosure Departments in Chapter 7 and 13. Filed motion for Relieve and Claims confirmations and Courthouse information records; Emails and Faxes and Pacer- Courthouse Recordings; Follow- up inquiries with AS400 and communicate both internally and externally with Countrywide email –fax on a professional timely schedule.

Audit real estate required documentation to complete and prepare closing packages daily on a timed- framed schedule. Contacted external title companies to request missing documentation, close out files using NSL and E-Track for tracking purposes including general monthly reports and Account Receivables on acquired daily information. Maintain new order entry accounts through E-track, Equalize. Daily input information in system. Communicated with attorneys‘, title companies and other local offices with First American. Fax and e-mail confirmations regarding commitments and had time frame of 24 hours turnaround time

10/99 - Reviewed individual applications for individuals applying for broker positions within the Associates. Audit and analyzed each document with Debt-ratio – Record file of all Account Receivables/ Payables and credit bureaus pulled thru Chilton, CBI and Transunion for Credit information; enter all information into the Approach system; review credit reports to make sure they were satisfactory with their credit history background. Sent out confirmation of approval or declination through emails to various states and districts. Also reviewed state licenses, applications and resumes. Perform daily clerical duties.

10/98 to 10/99- Reconveyance Specialist- Release daily mortgages that were paid off within 51 states, with Associates in loans; international and statewide. Frequent communications with title companies, attorneys and businesses as well as customer relations. Also confirmed, analyzed and researched each documentation. Before it went to the state or countries to be recorded. Reviewed authorized credit reports to insure proper credit requirements. Involved daily clerical duties.

05/97 to 10/98- Auditor- Maintained daily data on mortgage real estate documents including RESPA- legal, corresponding with credit life applications in various branches located throughout the United States. Computer input on daily audits, monthly reports, communications with various title companies, including state, city and county verifications of required recorded documents by telephone, facsimile and correspondence. Proficient in maintaining accuracy of audits with professionalism. (Pulled for Acquisitions Pools by Management to

Assist in Bulk purchases frequently for The Associates.

REFERENCES UPON REQUEST:

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