**** ******* ***** *** *******, LA ***** PHONE 916-***-**** adptbq@r.postjobfree.com

TONANTZIN CONTRERAS

VOLUNTEER WORK: FEEDIING FRIENDS EVERY WEDNESDAY.

WORK EXPERIENCE:

Current-2021 KB Home Loans, Las Vegas, NV (Remote)

Senior Loan Processor

Process Conventional, FHA and VA loans.

Collect and review paystubs, mortgage statements, bank statements, tax returns, evidence of insurance, 401k documents, and vesting preference from clients.

Pulled and reviewed all credit reports, flood certs, property profiles, address verifications, Zillow estimates, Preliminary Reports, Fraud Guard, and DU reports.

Completed verification of employment,

Order homeowner’s insurance policies.

2020-2020 First US Community Credit Union, Sacramento, CA

Processor

Process Conventional, FHA and VA loans.

Processed application and created new loan files in Encompass for all new applicants.

Collected paystubs, mortgage statements, bank statements, tax returns, evidence of insurance, and 401k documents, and vesting preference from clients.

Pulled and reviewed all credit reports, flood certs, property profiles, address verifications, Zillow estimates, Preliminary Reports, Fraud Guard, and DU reports.

Completed payoff demands.

Disclosed initial docs.

2020-2019 American Pacific Mortgage, Rocklin, CA

Compliance Customer Service Assistant

Streamlined the review process for every review/task.

Audited loans for Appraisal Rush Fees and CA Per Diem.

Compliance Reviews.

Issued initial disclosures.

2021-2019 North Star Services, Auburn, CA

Direct Support Staff / Personal Assistant

Drove clients to desired destinations.

Light housekeeping, including but not limited to cooking, laundry, dish washing, cleaning, and organizing.

Community connections were highly emphasized and encouraged.

Healthy eating habits, and regular workouts were emphasized and encouraged.

Specialized in working with clients who had Prader-Willi Syndrome.

2018-2016 LoanPal/ Paramount Equity Mortgage, Roseville CA

Loan Resolution Specialist

Cleared all conditions placed on our loans by the investors.

Corrected and cleared all processing funding, and under writing errors.

Efficient at using the VA, CALHFA, and FHA portals to create and/or correct documents.

Make corrections to DU/AUS and re-run when needed.

Request EOI, and replacement cost estimators, appraisal amendments, VOM, VOE, and VOD.

Pulled tax certs, flood certs, and FHA docs.

Made corrections to all internal disclosures when needed.

Correspond with investors, borrowers, and title/escrow daily.

Managed a pipeline with est. 30-50 units on average.

2016-2012 Summit Funding, Sacramento, CA

Underwriting Support/Compliance Reviewer/Audit Preparer/Collateral Specialist/ Shipper

Preform compliance review on new loan submission.

GSA, LDP, GFE, TIL, MI, Change of Circumstance, and disclosures review.

Prepared all loans selected for audits.

Upload files into Encompass

Preformed audits on collateral packages.

Responsible for shipping all collaterals to the warehouse banks in a timely manner.

Cleared exceptions for suspended collateral packages.

CALHFA specialist.

2010-2007 Sacramento City College, Sacramento, CA

Admissions and Records Clerk, Student Help

Processed add/drop forms, transcript request, grade change forms, and student petitions.

Assisted students with class searches.

Answered inquiries pertaining to, but not limited to the process of enrollment, petitioning records, student services, department locations and special programs.

Provided excellent customer/student service.

Efficient with PeopleSoft.

2006-2004 Central Pacific Mortgage, Sacramento, CA

Shipping/Post Closing

Stacked loans according to the investor stacking order.

Balance HUD-1.

Ordered docs from title companies.

Packaged and shipped all loans. Copied all loans.

Cleared minor suspense issues.

2003 – 2001 Capitol Commerce Mortgage, Sacramento, CA

File Room Supervisor

Supervised a team of fifteen employees.

Maintained organization for receiving loans from branches, logging mail and loans into database system, filed mail and loans alphabetically/numerically, copied and boxed loans for storage.

Communicated with title and escrow companies to obtain documents.

Accountable for running several reports from database system.

Dealt with variety of volume of loans that ranged from 5000- 18,500 units.

EDUCATION: In progress: BS in Comparative Religious Studies. Obtained: AA in Social Science

20 hours of NMLS approved pre licensing completed, and currently studying for the state exam.

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