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Loan Manager

Location:
Lake Elsinore, CA
Posted:
April 22, 2021

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Brenda Comte

Mortgage Professional -Notary Services

Sun City CA

951-***-****

adlv84@r.postjobfree.com

Loan Processor with 10+ years FHA, VA, USDA experience. Notary Commission State of CA Experience

2020-06 - present Account Manager

First Guaranteed Mortgage

Monitor the workload to ensure timely processing of loan applications; reviews applications for completeness and compliance to investor guidelines before submitting to underwriting;

Notified Brokers, Realtors and Builders of loan approval or denial; prepares documentation for closing; Maintains loan files

2019-04 - 2020-05 Loan Processor

Keller Mortgage

Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages.

Review and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance.

• Prepare loan applications for underwriting submittal.

• Ensure compliance with company policies, underwriting guidelines and lending-program requirements.

• Primarily Purchase Transactions

2018-04 - 2019-04 Sr. Loan Processor

Horizon Manufacutred Homes -Hemet CA

• Send applications to lenders for review

• Open Escrow, Manage Draw Schedules,

• Coordinate timelines with contractors QC closing file

• Increased company production and implemented systems and procedures.

• Support sales agents and assisted in other departments as needed 2016-11 - 2018-04 Sr. Loan Processor

Frontier Home Loans-Moreno Valley CA

• Processed applications from time of receipt of application to submission of the loan package to underwriting. Gathered, organize and track loan documentation, worked with investors, applicants, underwriters, appraisers and others to complete processing

• Resolved customer service issues

Verified customer occupancy documentation and resolve routine title issues including vesting issues and various liens

• Execute closing actions to ensure a timely and effective closing process

• Performed other related duties as assigned

2014-11 - 2016-10 Sr. Loan Processor

Loan Depot-Foothill Ranch CA

• Review initial loan approval and work with borrower to gather appropriate documentation

• Collect all required documentation for the loan package

• Create a loan submission package for the Underwriting department

• Submit files to assigned Underwriter

• Satisfy all conditions when received from Underwriter

• Ensure that approval falls within the established lending guidelines

• Communicate with other professionals, including attorneys, county clerks and title companies 2010-01 - 2014-06 Loss Mitigation Underwriter-Escalation Manager Chase Home Mortgage-Irvine CA

Reviewed applications for completeness and data integrity while updating the data in both the servicing system and proprietary systems where applicable.

• Ensure Loan quality standards are met on underwritten files.

• Work with internal and external partners to clear conditions in a timely manner

• Analyze and review documentation in file to verify accuracy of application and support underwriting decisions.

• Calculate income based on various types of income documents in the file, review and confirm assets in the file. Review and analyze preliminary title work, appraisals (when applicable), and review required Loss mitigation letters.

Make loan decisions based on the overall repayment ability of the borrower and issue approval and denials based on your review.

• Communicate decisions to all parties involved and build relationships with both internal and external partners 2008-04 - 2010-01 Loan Processor Team Lead

Gaurte Mortgage-Santa Ana CA

Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages.

Review and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance.

• Prepare loan applications for underwriting submittal.

• Ensure compliance with company policies, underwriting guidelines and lending-program requirements. 2003-03 - 2004-07 Loan Processing Team Lead-Wholesale Impac Lending

Managed the daily work activities of residential loan processors to ensure that loans were processed according to established regulations and facility policies and procedures among the processing staff.

Monitored the workload to ensure timely processing of loan applications; reviews applications for completeness and compliance to investor guidelines before submitting to underwriting;

Notified Brokers, Realtors and Builders of loan approval or denial; prepares documentation for closing; Maintains loan files

• Was responsible for training, counseling, conducting performance reviews, hiring and terminating staff Education

Yuba Community College Marysville CA

3.6 GPA

Skills

Loan Processing software such as Point, Empower and Encompass.

Advanced

LP, DU, MSP, LPS, HSSN, Workout prospector, VA

Portal, FHA Connection

Advanced

Loan-processing, Jr. Underwriting, Loss Mitigation Underwriting experience

Advanced

Income Analysis, Self Employed, Title review, Credit review

Advanced

AWARDS

● Received CSAT awards for customer service

● Received top producer awards for production

● Cited for quality assurance above expectations

● Successfully met timelines on a regular basis.

● Quality assurance award

● Tested and Implemented systems

● Assisted in designing training materials.

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