CHRISTOPHER MURRAY

SUMMARY OF QUALIFICATIONS

Professional with 15 years’ experience in the mortgage Industry. Excellent knowledge

of the loan process as well as strong initiative and exceptional organizational skills combined

with the ability to work well under pressure.

ESSENTIAL SKILLS

• Loan Processing, Loan Assistant

• Conventional, FHA, VA, FNMA, FHLMC, USDA, TRID, CD’s

• Software: Excel, Word, Outlook, Calyx Point, Encompass, LP, DU

EDUCATION AND TRAINING

• Certified Mortgage Specialist, Capstone Institute Of Mortgage Finance, Marietta, GA

o Fundamentals of Loan Processing

o Understanding FHA Loans

o Understanding VA Loans

o Creative Financing and Advanced Marketing Techniques

o Qualifying the Self-Employed Borrower

o The Loan Processors Guide to Getting Organized

o Reviewing the Application Package

• Baton Rouge Community College, Process Technology, Baton Rouge, LA

CAREER HISTORY

11 CAPITAL FINANCE, Baton Rouge, LA 7/2008 - Present

REMOTE LOAN PROCESSOR (hours varied as needed)

• Verify and examine information and accuracy of the loan application and closing documents

• Interview loan applicants to obtain personal and financial data and assist in completing applications

• Assemble and compile documents for loan closings, such as title abstracts, insurance forms, financial documentation and income tax forms

• Answer questions and advise customers regarding loans and transactions

• Contact customers by mail, telephone, or in person concerning acceptance or rejection of applications

• Record applications for loan and credit, loan information, and disbursements of funds, using computers

• Prepare and type loan applications, closing documents, legal documents, letters, forms, government notices, and checks, using computers

• Present loan and repayment schedules to customers

• Calculate, review, and correct errors on interest, principal, payment, and closing costs

AMERICA ONE FINANCE, Baton Rouge, LA 10/2007 – 01/2008

LOAN PROCESSOR

• Verified, compiled, and typed application information for mortgage loans

• Reviewed residential loan applications to verify that application data was complete and met establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment

• Recommended loans not meeting standards be denied

• Monitored progress of loan files and followed up to clear document exception

• Worked with attorneys and title companies to follow up on loan closing packages

LOUISIANA HOME MORTGAGE, Baton Rouge, LA 03/2007 – 10/2007

LOAN OFFICER ASSISTANT

• Worked with the loan officer in the collection, organization, verification, and timely delivery of all residential loan applications and support documentation sent to the loan processor and/or lender

• Coordinated and ordered third party reports, such as credit reports, appraisals, HOA docs, title, escrow instructions, etc.

• Communicated specifics to loan officers and prepared miscellaneous reports

• Obtained client signatures on documents

• Reviewed all documents to ensure accuracy and compliance with regulatory requirements

• Met with parties involved in transactions and reviewed documents to ensure all required documents were available, accurate and complete for the closing

• Explained documents to clients and resolved problems that might arise before closing such as issue with titles certifications, document deficiencies, missing documents, problems with insurance as examples

• Ensured compliance with all state and investor laws, regulations and guidelines

HOME 123, Atlanta, GA 01/2006 – 07/2006

LOAN ADVISOR

• Originated exclusively Georgia loans from leads and managed the process from origination to closing and funding

• Corresponded with applicants or creditors to resolve questions regarding application information

• Examined, evaluated authorized and/or recommended approval of customer applications for residential loans

• Compiled loan packages and facilitated negotiations of loan structure with applicant, including fees, loan repayment options and other credit terms

SBA, Baton Rouge, LA 10/2005 – 01/2006

LOAN PROCESSOR

• Interviewed SBA loan applicants and made necessary field visits

• Collected financial statements, reviewed credit reports, appraisals and other required documentation; ensured the accuracy of the application

• Underwrote and presented SBA loan credit memo for Bank approval

• Prepared and submitted SBA loan packages to respective SBA offices for approval

• Responded and followed up on SBA District Officers questions and requests.

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