Mezjgan Ansari

adopyc@r.postjobfree.com • 510-***-****

linkedin.com/in/megan-ansari-91b7846b/ • Union City, CA

Mortgage Finance Advisor

Organized and detail-oriented professional with proven capability of creating, reviewing, and implementing effective mortgage loan processes with a keen focus on streamlining organizational financial operations.

Areas of Expertise

Risk Assessment & Mitigation

Financial Operations Management

Time Management & Multitasking

Relationship Building

Training & Development

Issue Identification & Resolution

Interpersonal Communication

Administrative support

Attention-to-Detail

Career Experience

Direct Loan Processor, loanDepot, Remote 2020 – 2021

Ensured quick closing of loan contracts through efficient administration of the entire loan process, including compliance, lender instructions, Title requirements, and funding clearance. Enhanced staff skill set to obtain desired results by training new processor reprocess/procedures, while providing administrative support. Utilized exceptional multitasking skills for executing Closer tasks, preparing CD, balancing fees, assisting in clearing Title liens, as well as generating e-loan documents for signing, in collaboration with disbursement team.

Contributed to keeping organization sustainable by raising monthly funding up to 100+ pipeline across 50 states with 30+ loan funding per month.

Utilized and applied conventional conforming, non-conforming, High balance, Jumbo loans, FNMA, QM, ATR and investor guidelines to each loan.

Eliminated chances of potential loss by verifying loan applications and running AUS both DU/LPA with a keen focus on analyzing results and interpreting risks.

Mitigated financial risk by reviewing loans, while analyzing credit, income, assets, liabilities, REO, Appraisal, and Title.

Reviewed, requested, satisfied UW conditions such as: subordination of liens, ordered credit supplements, HOA documents, evidence of homeowner's insurance, ordered verifications (VOE, VOM, VOR, etc.) and worked with Title Company on clearance of judgments and liens on title and or credit.

Trained new hire processors and other team members.

Responded to post closing review and quality control audits in a timely manner.

Knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and laws: Regulation Z, Regulation B, Fair Housing Act (FHA), HMDA, TRID, RESPA.

Maintained current level of knowledge on all loan program requirements by consistently researching and reviewing the applicable guidelines, program updates, and credit overlays.

Mortgage Finance Advisor, Pulte Mortgage, Pleasanton, CA 2019 – 2020

Multitasking individual, competent at preparing/interpreting financial document summaries, investment performance reports, and income projections for clients. Known for proposing necessary recommendations to senior management with emphasis on monitoring and executing risk control measures. Adept at developing strategies for meeting clients’ financial goals by analyzing financial records received from clients.

Completed buyer Pre-Approvals for High balance and Jumbo loans.

Captured mortgage sales application by giving the Builder Pulte Homes visibility, provided customer service that contributed to selling more homes for the builder.

Responsible for a monthly pipeline of 200+ purchase loans with 30+ closings of Jumbo loans for Pulte Mortgage.

Equipped with in-depth understanding of residential mortgage industry expertise as well as advanced knowledge of loan product and lending guidelines for conventional loans including confirming, non-confirming, jumbo loans, qualified mortgages, and non-qualified mortgages, Fannie Mae, Freddie Mac, and FHA/VA loans.

Articulate communicator, capable of liaising across various corporate levels to build long-term relationships, while maximizing client satisfaction and retention through fulfillment of requirements.

Technically sound professional, export in proficient execution of latest mortgage operating systems, involving paperless and e-documents signing.

Communicated with buyers, branch manager, Sales team, Builder,

Construction team, operations team, and Title/Escrow on collecting information and documentation necessary to finalize incomplete loans.

Maintained communication with all involved parties in Purchase transaction: including borrower, Escrow, Title, Mortgage Consultant, Loan Processor, Closer, Funder, Appraisal Desk, Rate Lock Desk, and Investor Support Desk.

Knowledge of Agency, non-agency guidelines, documents, and terminology, including LOS automated systems.

Mortgage Loan Processor, Wells Fargo, Santa Clara 2015 – 2019

Improved overall business productivity by exceeding processor performance metrics with a monthly pipeline of 50+ loans with 20+ loan funding per month of Jumbo loans, while maintaining customer contact throughout the life of the loan. Determined potential borrower’s credit risk and examined prospective borrower’s credit history by conducting high level review of loan applications/1003. Fulfilled Title company requirements by completing assigned tasks in an efficient manner.

Managed Pre-approval, Purchase and Refinance transactions for Jumbo loans, High balance, and conforming loans.

Enabled on-time submission of complete files for final approval with a keen focus on saving underwriting time.

Removed all inefficiencies by completing a clear to close audit for every file prior to submission to UW for CTC.

Maintained knowledge of loan product guidelines, internal policies and procedures, and regulatory requirements.

Reviewed applications, disclosures, and ensured compliance with all Federal, State, investor requirements, and lender policies were met.

Communicated with mortgage underwriter, loan officer, closers, branch managers, funders, post-closers, appraisal dept, and other internal departments regarding requirements

Reviewed derogatory information on the credit report, compared it to the information on the application, and addressed the red flags to underwriting.

Reviewed Title and Appraisal to ensure both the property value is supported and the title meets agency requirements.

Calculated borrower’s income and expenses based on the income documentation provided, information contained in the credit report, and through various verification tools.

Analyzed loan documents such as credit reports, W-2’s, pay stubs, tax returns, assets, appraisal reports, title reports, insurance documents, fraud prevention products, purchase contract for accuracy and completeness.

Relationship Banker, JPMorgan Chase, San Ramon, CA 2014 – 2015

Identified and reported any suspicious activity to the AML department.

Verified the identity of customer(s) that entered into a relationship with the Bank. Managed assigned customers and proactively met with them - in person and over the phone - to build lasting relationships, discovered financial needs, and tailored product and service recommendations.

Adhered to policies, procedures, and regulatory banking requirements.

Partnered with Specialists (Financial Advisors, Mortgage Bankers, and Business Relationship Managers) to connect customers to experts that helped them with specialized financial needs.

Executive Administrator, Bhupinder Bhandari MD Inc., Fremont, CA 2011 – 2014

Managed financing of commercial and residential properties by serving as executive administrator. Contributed to streamlining overall operational workflow by acting as in charge for accounting, property management, and administrative duties. Drove seamless operational activities through administration of communications related to meetings, event planning, and interviews.

Ensured optimal utilization of resources by executing surgeon’s calendar and scheduling travel/appointments.

Processed payroll information, coordinated and directed office services, such as records, departmental finances, budget preparation, personnel issues, and housekeeping, to aid executives.

Prepared invoices, reports, memos, letters, financial statements, and other documents, using word processing, spreadsheet, database.

Performed general office duties, such as ordering supplies, maintaining records management database systems, and performing basic bookkeeping work. Interpreted administrative and operating policies and procedures for employees.

Supervised and trained other clerical staff and arranged for employee training by scheduled training material.

Additional Experience

Personal Banker Citibank

Mortgage Broker Norcal Lending Inc.

Education

Bachelor of Science in Business Finance San Jose State University, California, US

License / Certifications

Broker License # 01342168, NMLS #1000210 California Department of Real Estate

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