Loan Processor Officer

NOBEL CHEUWA ZIWE

Mortgage Loan Processor

Phone: 301-***-****

Email: ***************@*****.***

Address: *** **** ******* ** *** 213, Raleigh, NC 27601

PROFESSIONAL SUMMARY

Experienced Professional Mortgage Loan Processor with a comprehensive knowledge of conventional and government loan programs seeking new career path with stable, yet competitive financial institution.

Comprehensive experience in structuring, originating, processing and closing large and complex financed loans and mortgages. Extensive interaction with clients and top producing financial professionals.

Experience working with the US Government in the military as PAY CLERK (US NAVY) with a secret clearance.

SKILLS

MS Word, Excel, Outlook, Power Point and Publisher, different loan software (LendingQB and Encompass) Proficient in Customer Service, Delta Bank, Citrix, Lotus and Mortgage Software Programs (MSP)

PROFESSIONAL EXPERIENCE

Triangle Lending Group LLC, Raleigh NC

Mortgage Loan Processor Dec 2018 - Current

Review and verify borrower’s income, credit reports, employment history, property and appraisals, title and insurance information to prepare loan applications for underwriting submittal.

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

Expertise in conforming and non-confirming loans, Fannie Mae &Freddie Mac Guidelines, FHA, VA, USDA Rural development loans.

Evaluating credit histories for applications

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

Ensure all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings.

Collecting data from clients such as assets, salaries, debts and employment status to fill in information for the loan application

Cornerstone First Financial NMLS, Washington DC

Mortgage Loan Processor May 2016 - Nov 2018

Process Conventional loans from set up to submission, from condition to close.

Review residential loan application files to verity that application is complete and meet establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment

Researching and correcting mistakes in applications for clients

Reviewing file documentation for missing or erroneous information

Meeting loan application deadlines

Submit mortgage loan application files for underwriting approval.

Research borrower accounts utilizing various customer system

Cross-reference information documented on loan application with source document for accuracy and completeness.

Aware of and adheres to all state and federal regulations.

Recommend that loan not meeting standard is denied.

Manage a pipeline of approximately 40 loans effectively

Brian Martucci Mortgage Lender, Washington DC

Jr Loan Processor, Feb 2015 – Apr 2016

Review employee insurance accounts and answer questions based upon established policies and procedures.

Assisting Loan Officer with requests and tasks needed to complete and process application

Request for appraisal through the system or through a third-party system for the Loan processor

Possess the ability to work under pressure in a call center environment

Ability to multitask and be able to diffuse difficult situations

Request for title through the system or via email

Excellent interpersonal and telephone communication skills

Perform additional tasks as directed.

Requested, reviewed, and submitted additional documentation to loan underwriters for review.

Verified client eligibility as homebuyer through federal home loan programs.

Evaluate and review exception reports to ensure that all tasks are completed and meet expected closing date.

Reviewed and approved confidential documentations for clients during the home buying process.

Handle tasks of confirming information by contacting verification sources and mailing verification forms.

Perform responsibilities of validating loans in automated underwriting systems and submit to underwriting.

Prepare as well as ensure accurate, complete, and timely loan data on the processing system.

ECOBANK CAMEROON SA, Douala Cameroon

Loan Officer, Jun 2011 – Feb 2015

Meet with loan applicants to identify their needs and collect information for loan applications.

Analyze active loan files on a regular basis and recommend solutions to speed up the loan process.

Complete loan contracts and teach clients on policies and regulations.

Interview applicants to define financial eligibility and establish debt payment plans.

Monitor and update account records.

Submit loan applications in a timely manner.

Prepare detailed loan proposals.

Reject loan applications and explain deficiencies to applicants.

Respond to applicants' questions and resolve any loan-related issues.

Operate in compliance with laws and regulations.

EDUCATION

University of Douala, Cameroon, Bachelor in Accounting and Finance 2010

LANGUAGES

English (Professional)

French (Native)

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