Angela D. Berry

**** * ******** ***** ***** Jordan, UT 84009 385-***-**** adnb9c@r.postjobfree.com

Objective

To assist in originating and processing mortgage transactions. Be a valued member of the team that helps ind solutions and reach goals with like minded individuals that see the big picture. Education

1997 – 2015 Salt Lake Community College, SLC, UT

Intro to Business

Computer Pro iciency

Communications

2016 Expand Learning Solutions

Excel 2010 Intermediate Certi ication Course

Computer program/software knowledge/system navigation experience Knowledge of Word, Excel, Power Point, Outlook, Data Trac, Docu Trac, Web Trac, Reuters, Tradeweb, Encompass, Optimal Blue, Mortgage Cadence, Apex, VPN, Fannie Mae, Freddie Mac, Wells Fargo, Chase, BB&T, Franklin, Bank of Oklahoma, BNY Mellon, Credit Plus, Mercury, Zoho

(CRM), Point, VA Portal, UWM, Orion, Quicken, REMN, Mr.Cooper, Carrington, Arc. Experience

LOAN OFFICER ASSISTANT CARDINAL FINANCIAL April 2021-June2021 Take lead on all existing home purchases and re inances acting as the Loan Originator, while still being the LOA, by taking applications, gathering documentation to analyze and structure iles for initial TBD approval. Then assist with submitting iles to processing for inal underwrite once the contract is provided. Have knowledge and understanding of Conventional, FHA.VA and USDA guidelines. Keep all team members associated with the ile in the loop at all times. Manage pipeline of Real Estate Partners leads that were assigned to me. Maintain excellent customer service with Borrowers/Leads, Agents and Brokers, throughout the origination process. License NMLS #1565480

Licensed in CA, CO, OR, TX, UT

LOAN OFFICER ASSISTANT/TEAM LEAD CROSSCOUNTRY MORTGAGE JAN 2020 – April 2021

Assist Sr Loan Of icer, Jr Loan Of icers, and team. with iles from application to closing and funding. Reviewing iles at/after application through the submission process. Structure iles for Jr LOs, submit iles to processing assist with gathering documentation for UW that is needed to close. Manage team pipeline. Set up ile low, reports, and training for onboarding LOAs. Audit iles for completeness. Find solutions and workarounds. Make sure all team members have access to all needed programs, accounts and information to assist them in their duties. Assist Sr. Loan Of icer with Self Employed, Trust and Capital Gains tax returns. Attended processing/operation meetings to make sure the team is informed and working with our other operations teams. License NMLS #1565480

Licensed in CA, CO, UT

LOAN OFFICER ASSISTANT/TEAM LEAD NETWORK FUNDING NOV 2019 – JAN 2020

Assisting Sr Loan Of icer, Jr Loan Of icer, and team. with iles from application to closing and funding. Reviewing iles after application, submission. Organized and set up ile low. Set up new CRM, creating reports for lead retention. Creating checklists, training material, borrower communication templates. Managing the pipeline while Manager is out of town and/or unavailable. Created Live pipeline reports. General LOA duties. License NMLS #1565480

Licensed in CA, CO, OR, TX, UT

LOAN OFFICER ASSISTANT/JR PROCESSING/PROCESSING SIMPLIFY HOME LOANS JUNE 2019 – OCTOBER 2019

Assisting loan of icers with iles from application to closing and funding. Reviewing iles after application. Walking borrowers through signing disclosures, requesting documents based on information on the 1003 and credit report (scrubbing iles). Requesting order outs, third party docs such as title, mortgage payoff, mortgage credit sups, HOI, receipts paid for HOI, WVOE, LOEs, etc. Submitting to lender underwriting, gathering documentation/information to clear conditions once approvals are received. Updating Clients weekly, if not daily on status of iles. Maintaining a pipeline of 23-46 iles. My job titles included LOA, Loan Processor and Loan Of icer. Simplify is a VA oriented Broker. Familiar with ordering docs on VA iles and what is needed based on VA guidelines. License NMLS #1565480

Licensed in CA, CO, OR, TX, UT

LOAN OFFICER ASSISTANT INTERCAP LENDING DEC 2018 – MAY 2019 Assisting loan of icers with iles from prospect status to setting up closings with Title, while running my own iles. Reaching out to existing borrowers who have not completed transactions to retain business, gather updated documents and establish what the current needs of the borrower are through probing. Maintaining the TBD pipeline, contacting borrowers and their agents’ weekly/monthly. Sending out loan comparisons for investment and primary residence purchases. Gathering documents, reviewing them and submitting to processing. Gathering information to clear conditions. Assisting with real estate investing events and attended multiple trainings on trusts, lending through retirement accounts and building wealth by leveraging equity. Responsible for coordinating realtor luncheons and assisting with other events. License NMLS #1565480

Licensed in CA, CO, OR, TX, UT

LOAN PARTNER INTEGRITY FIRST LENDING FEB 2018 – DEC 2018 Assisting multiple loan of icers with iles from prospect status to setting up closings with Title. Gathering documents, reviewing them, and submitting to processing. Gathering information to clear conditions. Maintaining relationships with Borrowers, realtors, and investors to help build SOI/COI etc. Being the right-hand (WO)man to each of them and keeping things moving so each Loan Of icer can focus on generating new transactions. License NMLS #1565480

Licensed in CA, CO, FL, ID, OR, TX, UT

LOAN OFFICER FIRST GUARANTY MORTGAGE CORP. SEP 2017 – FEB 2018 Building and maintaining a pipeline for both sales and real estate relationships. Handling personal information and following guidelines and procedures according to Federal and state laws. Developing rapport with all that I am in contact with to help thing run smoothly while learning.

License NMLS #1565480

Licensed in CA, CO, FL, ID, OR, TX, UT

LOAN OFFICER ESSEX MORTGAGE APRIL 2017-AUG 2017 Building a pipeline with cold and warm leads. Handling personal information and following guidelines and procedures according to Federal and state laws. Developing rapport with all that I’m in contact with to help thing run smoothly while learning. License NMLS #1565480

Licensed in CO, FL, OR, TX, UT

LOAN OFFICER ASSISTANT CITYWIDE HOME LOANS SEPT 2016-MARCH 2017

I worked in several different areas to help get me ready to move to a team as an LOA. I have experience in setup Processing, Appraisal Review and Jr. Processing. As an LOA it is my responsibility to review all docs and order docs needed to submit iles to processing for review and initial underwrite. Communicating with the clients as to what docs I needed and to make sure I had the correct authorizations signed electronically and wet signed. I’m familiar with reviewing the AUS to make sure that we have all items needed in addition to what we require. I also keep open communication with my Team Operations Manager, LOA Manager, My LO, My Processor and Setup. Multitasking is a must. Accuracy is a must. I review employment docs, paystubs, tax returns, title docs, bank statements, LOEs, Lease agreements, Divorce Decrees, Investment statements, 401K statements, REPC, Counters, and Addendums. My goal is to always hand over the cleanest and most put together ile I can so we can get through the process as quick as possible and to assist my Branch in the ways they need. Whatever it be. I assist the LOA manager in putting together manuals for Processing and LOAs as far as how to and ordering services. and company protocol. I assist in training other LOAs as it is called for. I audit iles of other LOAs for quality control and training purposes.

SECONDARY MARKETING ANALYST MOUNTAIN AMERICA CREDIT UNION JAN 2015-AUG 2016

Served as a Secondary Marketing Specialist under the Manager of Secondary Marketing. My task includes Lock maintenance and customer Service Company wide. To Assist Managers, Loan of icers and Department Managers in pricing issues, MACU overlays, guidelines, and rate sheets with investors, distribute rate sheets company-wide based on indications from Fannie and Freddie. Run reports and programs to audit and review all locked loans in the company pipeline to make sure pricing is accurate and within the MACU guidelines. Locking/cancelling loans and attending to lock maintenance request via email internal ticketing system, and by phone. I also worked on tasks and projects that affected the day-to-day work low to improve ef iciency and accuracy. I also work with accounting in reconciling iles upon purchase to con irm accuracy and accurate payment. I work with the closers and underwriters to clear suspense items so iles can be purchased. I have assisted in bulk sales to Freddie and Fannie as far as pulling notes and getting them to BNY Mellon, certi ied, purchased and reconciled. I have assisted with the Servicing Department for mortgages that we currently service in-house.

SECONDARY MARKETING ANALYST PRMI MARCH 2012-NOV 2014 Served as a Secondary Marketing Analyst under the VP of Secondary Marketing. My task includes Lock maintenance and customer Service Company wide. To Assist Managers, Loan of icers and Department Managers in pricing issues, PRMI overlays, guidelines, and rate sheets with investors. Run reports and programs to audit and review all locked loans in the company pipeline to make sure pricing is accurate. and within the PRMI a guideline. Locking/cancelling loans and attending to lock maintenance request via email internal ticketing system, and by phone. I also worked on tasks and projects that affected the day-to-day work low to improve ef iciency and accuracy. My accuracy was the best in the department as far as defects I had the least and received excellent reviews on my accuracy. I have also participated and assisted with an LOS Integration over to a new mortgageware and assisted companywide with the beta testing on the project and rolling out the new mortgageware.

SECONDARY MARKETING DESK LEAD IFREEDOM MORTGAGE CORP FEB 2008-MARCH 2012

Feb 2010-March 2012

Desk Lead/Secondary Marketing Analyst

Served as Desk lead for Secondary Marketing under the Director of Secondary Marketing. My task includes, distributing company wide rate sheets, balancing our pipeline several times per day to ensure proper coverage. Take trades with investors in $2-$5Mill increments based on what coverage we need along with daily market readings to ensure we are hedging and staying pro itable. Corresponded with our investors and our Reps daily. Research post purchase billing. Audit internal pricing for loans that we have locked. Assist Managers and Department Managers in pricing, rules and guidelines for our rate sheets and investors. Create spreadsheets and reports to assist in compliance issues, and to eliminate loss of revenue. May 2008-Feb 2012

Assistant to Secondary Marketing

Assisted in distributing company wide rate sheets. Lock loans. Pricing loans for investors and researching discrepancies in pricing from the date the loan is locked up to being purchased by an investor. Serving as an internal customer service rep in assisting Loan Of icers, Managers and Department Managers, and assisting the Director of Secondary Marketing. Feb 2008-May 2008

FHA/VA Loan Specialist (Loan Of icer)

Receiving and inputting residential FHA/VA loan applications, assisting in obtaining all required documents for submission of loan to processing department. Senior customer service experience. Seeing Loan through closing.

RECEPTION/ADMIN ASSISTANT CITYWIDE HOME LOANS APRIL 2007-JAN 2008

Answered a multi phone line switchboard, sorted and prepared mail, iled/ scanned old and new funded loans, assisted Administration with various Marketing and Human Resource projects. References

Dirk Pugh 801-***-**** Loan Of icer/Colleague/Friend Stacy Bithell 801-***-**** Loan Of icer/Colleague/Friend Kathy Kassel 801-***-**** Current Manager/Colleague/Friend April Tracy 801-***-**** Current Branch Manager/Colleague/Friend Tamera Torkelson 801-***-**** Former Branch Manager/Colleague/Friend

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