Dianna Hernandez

**** ***** **** **** *** ***

Fort Worth, TX 76116

Phone - 817-***-**** Email - adpyyx@r.postjobfree.com Summary

I have over 13 years' experience in the mortgage industry as a Mortgage Processor. I am organized, highly motivated and have an excellent record of success working with others in the mortgage industry. I consider myself to be skilled at listening and understanding company and homeowners' concerns, while taking action to satisfy the need to meet the task. I’m open to learning new techniques, products and procedures to help in company growth. I also seek the opportunity to join a company where hard work and a good work ethic are recognized and rewarded.

Experience

02/22/2021-12/10/2021 Loan Cabin Lombard, IL

Loan Processor (remote processing)

• Processes, files, and obtain all necessary information and documentation for underwriting. This includes, but is not limited to, obtaining proof of income, verifying applicant’s employment, obtaining credit bureau reports, and other documentation as necessary to have a complete file for underwriting review thru Encompass loan systems.

• Review residential loan application file to verify that application data is complete and meets establishment standards, including the type of mtg; cash/out refi, purchases and refinance on investment and primary properties. Verifying the amount of mortgage, confirming locked correctly and verifying borrower assets, liabilities, and length of employment. (paperless systems).

• Issue customer correspondence to include; initial review of loan, additional items needed from the borrower, and re-disclosure, if applicable to meet all regulatory compliance acts.

• E-mailed necessary documentation such as loan disclosures, copy of appraisal and email of items needed to current borrowers to meet underwriters' conditional approval, make outgoing and answer incoming telephone inquiries from borrowers with questions.

• I reviewed tax returns including ordering tax transcripts for borrowers with Schedule C and Business return income.

• Maintained full knowledge of agency loan products procedures and kept up with updates.

• Meet established productivity levels and turnaround times as set by the Loan Officers and Processing Manager, assists assigned Loan Officers in verifying, and compiling all types of loan applications. 2

10/16/2017-02/19/2021 Cendera Bank Fort Worth, TX

Loan Processor

• Processes, files, and obtain all necessary information and documentation for underwriting. This includes, but is not limited to, obtaining proof of income, verifying applicant’s employment, obtaining credit bureau reports, and other documentation as necessary to have a complete file for review with the Credit Analysis, make outgoing and answer incoming telephone inquiries from borrowers’ or potential borrowers.

• I reviewed tax returns including ordering tax transcripts for borrowers with Schedule C income, Business returns and requesting borrowers P&L’s

• Maintained full knowledge of agency loan products, procedures and updates from processing manger.

• Issue customer correspondence to include; initial review of loan and additional items needed from the borrower, and re-disclosure, if applicable to meet all regulatory compliance acts.

• Perform computer entry by loading application details such as interest rate, loan terms, payment amount, due date, etc., in accordance with lending policies and procedures. Meet established productivity levels and turnaround times as set by the Loan Officers and Manager. Assists assigned loan officers in verifying, and compiling all types of loan applications.

• Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.

• Obtain all necessary information and documentation for credit evaluation for subsequent underwriting. This includes, but is not limited to, obtaining proof of income, verifying applicant’s employment, obtaining credit bureau reports, and other documentation as necessary to have a complete file when moving forward for processing.

• Ordered closing docs for residential and commercial closings and working with the title companies on balancing CD’s and Settlement Statements for scheduled closings. 04/17/2017-10/06/2017 Cendera Funding Cleburne, TX Loan Processor (some remote processing)

• Processes, files, and obtain all necessary information and documentation for underwriting. This includes, but is not limited to, obtaining proof of income, verifying applicant’s employment, obtaining credit bureau reports, and other documentation as necessary to have a complete file for underwriting review in Encompass loan system.

• Review residential loan application file to verify that application data is complete and meets establishment standards, including the type of mtg; cash/out refi, purchases and refinance on residential and refinance properties. Verifying the amount of mortgage, locked correctly and verifying borrower assets, liabilities, and length of employment. (Paperless Systems) 3

• Issue customer correspondence to include; initial review of loan and items additional items needed from the borrower, and re-disclosure, if applicable to meet all regulatory compliance acts.

• Make outgoing and answer incoming telephone inquiries from borrowers’ or potential borrowers.

• E-mailed necessary documentation such as loan disclosures, copy of appraisal and email of items needed to current borrowers to meet underwriters' conditional approval.

• I reviewed tax returns including ordering tax transcripts for borrowers with Schedule C and Business return income

• Maintained full knowledge of agency loan products procedures and kept up with updates.

• Meet established productivity levels and turnaround times as set by the Loan Officers and Manager. assists assigned loan officers in verifying, and compiling all types of loan applications. 01/11/2016 - 04/10/2017 Diamond Residential Mortgage Southlake, TX Loan Processor (some remote processing)

• Provide support to loan officer and underwriting teams by ensuring the timely, and accurate processing of mortgage loans utilizing PC Lender loan system.

• Knowledge of income calculations, including but not limited to self-employment & w-2 wages.

• Comprehensive knowledge of conventional and government loans

• Gathering and verifying loan documents and reviewing file documentation to guide each loan from preapproval to processing to closing.

• Coordinated with title companies, insurance companies, and borrowers both verbally and written when necessary.

• Follow guidelines to determine if the documentation is sufficient to satisfy program guidelines.

• Utilized various computer systems such as Fannie DU and Freddie Mac LP

• Review credit reports, verify borrowers credit history in terms of debts and payments.

• Review appraisals for any property issues requiring further justifications.

• Disclose and re-disclose as required by law on valid change in circumstances.

• Familiar with new TRID guidelines.

• Satisfy conditions per underwriting review for a clear to close. 11/07/2014 – 10/29/2015 Omni America / Southside Bank Fort Worth, TX Loan Processor

• Processes, files, and e-mail necessary documentation such as loan disclosure, copy of appraisals, loan denial and pre-qualification letters to respective loan applicants.

• Prepares and analyzes self-employed borrowers’ tax returns, including ordering tax transcripts for all borrowers.

• Maintained full knowledge of agency loan products procedures and their updates. 4

• Issue customer correspondence to include commitment letters, 30-day incomplete letters, and re-disclosure, if applicable to meet all regulatory compliance acts.

• Reports all fees collected in advance and disperses information to the assigned employee for accounting reconciliation.

• Performs computer entry by loading application details such as interest rate, loan terms, payment amount, due date, etc., in accordance with lending policies and procedures.

• Meet established productivity levels and turnaround times as set by the Loan Officers and Manager.

• Assists assigned loan officers in verifying, and compiling all types of loan applications.

• Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment.

(paperless systems)

• Obtain all necessary information and documentation for credit evaluation for subsequent underwriting. This includes, but is not limited to, obtaining proof of income, verifying applicant’s employment, obtaining credit bureau reports, and other documentation as necessary to complete the Education

Navarro University – Midlothian TX

References

Cheryl Harris – Friend / Colleague – Underwriting Manager at Homebridge Financial

903-***-**** - adpyyx@r.postjobfree.com

Brenda Larkin – Friend / Colleague – Corporate Trainer at Guaranteed Rate Mortgage

214-***-**** adpyyx@r.postjobfree.com

Karol Kraft – Friend / Colleague – Underwriter – Pacific Residential Mortgage

817-***-**** – adpyyx@r.postjobfree.com

Debbie Sherrill-Hartz – Friend / Colleague – Sales Support at Homevantage Mortgage

817-***-**** – adpyyx@r.postjobfree.com

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