Loan Coordinator Specialist

TAIDE TOBIAS

Deming, New Mexico. ***** 760-***-****

********@*****.*** www.linkedin.com/in/taide-tobias

SUMMARY

Successful financial services professional with experience across numerous mortgage servicing functions, including FHA, VA, and Conventional Loans, account management, and loan closing. A solid record of accomplishments emphasizes a broad range of financially related matters, including escrow, ordering titles, appraisal, Non-Prime and Prime Auto Loans, and cash applications.

EXPERIENCE

GUARANTEED RATE, INC, Encinitas, California

Loan Coordinator, 2020-2021

Serve as SME between the borrower and production sales team in the coordination of all functions related to the processing and closing of all loans. Manages multi-state Conventional, Purchase, FHA, and VA loan collecting conditions, ordering title, VOE, appraisal, HOI, ensuring compliance with company policies and procedures for loan products.

Comprehend consumer lending regulations, including but not limited to TRID, HMDA, RESPA, TILA, Federal & State Laws

Stay updated on application state, federal, and investor regulatory requirements

Review third-party documentation (credit reports, title reports, appraisals, etc.)

FRONTWAVE CREDIT UNION, Oceanside, California

Consumer Loan Specialist, 2018-2020

Responsible for supporting both members and employees in a wide array of functions for the Direct and Indirect Consumer loans and services. Offer products identified and provided information pertaining to other credit union products and services, cross-selling when appropriate. Process and fund all loan applications in their respective pipeline, along with being responsible for upholding and abiding by Frontwave’s core values and service expectations at all times.

Updates dealer partners daily on contract requirements for funding

Verify supporting loan stipulations (income verification, insurance, etc.)

Prepare loan files for funding, verify documentation satisfies loan stipulation requirements

Review and finalize rates, terms, and loan conditions with the member

USE CREDIT UNION, San Diego, California

Loan Specialist II, 2017-2018

Responsible for the processing and funding of Employee Loans, HELOC, 2nd TDs, and Turbo Loans. Process daily Consumer/Indirect Loans Quality Control and Servicing for branch and Call Center funded loans. Performs Quality Control on all retail packages for compliance with policies, procedures, and loan underwriter stipulations. Supports balancing department General Ledger accounts daily.

Established qualifications for new members and opened new accounts

Updates dealer partners daily on contract requirements for funding

Promotes new programs and rates to dealerships

AMERICAN PACIFIC MORTGAGE, Temecula, California

Senior Loan Processor, 2016-2017

Responsible for handling new loans initiated by Loan Officer, from Purchases, VA, FHA, and Conventional, and getting them through to closing. Submit loans through DU or LP, getting all conditions in, ordering title, and appraisal to get ready to submit to Underwriter. Monitor loans, satisfy requirements, communicate with borrowers. Closing 10-15 loans per month.

Liaise between the mortgage lending underwriting department, mortgage loan originators, real estate agent, and applicants

Ensure loan files meet lending and regulatory guidelines and policies

Document the loan process from origination to approval through our system

CALIBER HOME LOANS, San Diego, California

Loan Processor 3, 2016-2016

Serve as SME between the borrower and production sales team in the coordination of all functions related to the processing and closing of all loans. Manages multi-state Conventional Confirming and Non-Confirming loans collecting conditions, ordering title, VOE, appraisal, HOI, ensuring compliance with company policies and procedures for loan products.

Escalates any fraud files to Risk Management Leadership Team

Attends regular pipeline meetings and system training updates

Manages key dates (lock expiration, contingency date, contract date, credit doc expiration, ECOA, etc.)

FREEDOM MORTGAGE CORPORATION, San Diego, California

Loan Processor 3, 2015-2016

Responsible for handling base loan transactions after initial credit approval on FHA, VA, and Conventional Loans. Responsible for performing a variety of loan documentation duties on complex loan packages to ensure compliance with company policies and procedures for loan products. Functions include processing, closing, and compliance for loan products; interpreting policies while analyzing applicant, property, and documentation; ordering all required verifications, documentation, and subsequent follow-ups. Manage an assigned pipeline and fund 30 to 40 loans a day. Partner closely with Team Members, Loan Officers, and Third-Party companies to ensure a smooth and timely closing.

Ability to work independently and as a team, ability to garner support and collaborate with others

Experience reviewing financial, mortgage, and legal documentation

Obtain final assumption and release of liability approval from an investor, management, and partner with third-party vendor and internal department to set the closing date

WELLS FARGO BANK DEALER SERVICES, San Diego, California

Loan Doc Specialist 2, 2014-2015

Responsible for transactions after initial credit approval and funding Non-Prime and Prime Auto Loans. Responsible for performing a variety of loan documentation duties on complex loan packages to ensure compliance with company policies and procedures for loan products. Functions include processing, closing, and compliance for loan products; interpreting policies while analyzing applicant, property, and documentation; ordering all required verifications, documentation, and subsequent follow-ups. Manage an assigned pipeline and fund 30 to 40 loans a day. Act as a liaison between our legal team and dealerships. Review everything from Credit application, purchase contract, pay stubs, back-end products, DMV forms, auto insurance, and the credit bureau.

Data entry, repossession administration, perfecting title liens, generating lien releases, processing letters, and forms, resolving complex issues, coordination of information among various operational areas and customers

Use multiple online systems, recording information, importing/entering data, and maintaining records using considerable knowledge of department policy and procedures

WELLS FARGO BANK MORTGAGES, Rancho Bernardo, and Costa Mesa, California

MTG Loan Doc Specialist 4, 2010-2013

Responsible for performing a variety of loan documentation duties on complex loan packages to ensure compliance with company policies and procedures for loan products. Functions include processing, closing, and compliance for loan products; interpreting policies while analyzing applicant, property, and documentation; ordering all required verifications, documentation, and subsequent follow-ups.

Manage an assigned pipeline of loans and/or assign new loans to other loan team members. Act as a liaison between lenders and the legal department

Performing high volume, time-sensitive tasks requiring intermediate research and problem-solving skills

Works under general supervision, exercising limited judgment within guidelines

ADDITIONAL EXPERIENCE

Member Service Representative II, Murrieta, California, 2008-2009. Processed new memberships, savings services, consumer loan requests, and general consumer loan funding as requested by Members. Provides consultative services to Members regarding credit union products and services by assessing the Members needs, addressing their concerns, and gaining agreement. Has working knowledge of credit union savings and consumer loan products and all services. Has a basic understanding of real estate products. Performs various file maintenance, including processing requests for a change of address, checking orders, ordering ATM cards, etc.

CCG Loan Doc Specialist 3, Carlsbad, California, 2003-2007. Responsible for handling base loan transactions after initial credit approval to final funding for the loan/line. Duties include ordering title, appraisal, and other required documents required for loan funding reviewing and verifying documents, negotiating with the customer to overcome processing issues or objections with rate, terms, or conditions of the approval. Maintains communication on application status with broker Partners closely with team members to ensure smooth and timely line / loan closings.

EDUCATION

COLTON HIGH SCHOOL, Colton, California

High School Diploma, 1998

LANGUAGES

Fluency in Spanish

SKILLS

Microsoft Office 365, Internet Based Programs, LPS, CRS, LIS, EMS LIFT, ACAPS Lakewood, Typing 60 wpm, Encompass, CUDL

REFERENCES AVAILABLE UPON REQUEST

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