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

Middletown CT *****

Gregory Patterson

Phone 860-***-****

Email adq2rk@r.postjobfree.com

Objective

Experience

Seeking a position where my technical analytical and customer service skills will be a contributing factor to the success of the company

Seasoned Analyst specializing in Processing documentation for 1st mortgages and also Consumer Loans. Knowledge of creating spreadsheets that consists of pertinent information utilized to monitor information and forecast the process of the loan workflow process by using extreme data integrity. Strong skills in general office policies and procedures and equipment; typing skill of 75 wpm; Processing and data entry experience; Strong interpersonal, communication and customer service skills; Ability to accept and prioritize responsibilities; Motivated, dependable, flexible and enthusiastic.

2018 – Present Waterbury Teachers Credit Union

Collector

Contacting members who are delinquent on their loans and who are carrying high balances of negative share savings and or checking accounts, working with members on payment arrangements when needed. Working on insufficient fund report daily; working with Member Services to allocate funds when necessary in an attempt to minimize financial loss to the company. Skip Tracing.

2017 – 2018 Loan Depot

Loan Analyst

Review of all loan docs submitting by the loan officer, re running AUS and either submitting the loan to Underwriting or reaching out to the borrower for docs that may be required before the loan is ready for submission, familiar with Conventional, FHA, CHFA, VA, USDA loans, review of all vendor docs upon receipt for accuracy; working with the borrower to keep them and the Loan Officer informed on a weekly basis and contact with Paralegals on any title matters and closing statuses.

2016 – 2017 Northpoint Mortgage Rocky Hill, CT

Jr. Underwriter

Review of Mortgage loan docs as rec’d and uploaded by the loan officers, contacting the customer for any add’l docs that will be required for 2nd level decisions made by 2nd level underwriter, re- running DU/LP AUS (Automated Underwriting Systems) based on review of docs rec’d and Loan Officers entries; contacting borrower to discuss 2nd level credit decisions and add’l docs required, review of appraisals, titles and other 3rd party vendor docs required; working with 2nd level underwriter and Attorney’s to a clear to close status.

2015 – 2016 Wells Fargo Bank Meriden, CT

Mortgage Loan Processor (4)

Review of Mortgage Loan docs to be reviewed by the underwriter for a credit decision, contact with the borrowers and Loan Officers for either requested docs or to relay information as needed to aide in the loan process; contact with other team depts. Which includes appraisals, condo docs, titles etc. to be reviewed for accuracy.

2014 – 2015 360 Federal Credit Union Windsor Locks, CT

Credit Analyst

Underwriting 1st mtgs and equity loan and lines of credit, ordering of all vendor docs such as appraisals, Deeds, credit, flood certs and reviewing for accuracy, review of all income and asset docs, utilization of AUS such as DU/LP, maintain contact with the borrower from beginning to end of the loan process, working with Attorney’s and other 3rd party sources when necessary, making sound credit decisions based on loan review.

2007 – 2014 First Niagara Bank New Haven, CT

Sr. Mortgage Specialist .Jr. underwriting/processing of 1st mtg loans, reviewing income and asset statements, performing voe’s with employers,

Contacting borrowers and loan officers for conditions, keeping track of rate locks, contingencies and commitment expiration dates, redisclosing of disclosures to satisfy RESPA laws, sending approvals to Attorney’s and Realtors, reviewing purch/sales contracts entering data into origination system (Unifi), sending notice of adverse actions to the borr on declined loans and commitment letters on approvals.

2005 – 2007 Wachovia Mortgage Corp Waterbury, CT

Credit Analyst

Underwriter for conforming loans using DU Approved/Eligible EA-I – EA-II loans using investor product specific guidelines; reviewing credit docs for accurate incorporation of info to determine credit worthiness and ability to repay loan.

2004 – 2005 Prime Capital, LLC W. Haven, CT

Loan Processor

Processing and underwriting conventional, Government loans and; reviewing appraisals, titles, working file to a clear to close status; coordinating closings between borrowers and attorney’s.

2003 - 2004 Fiserv Rocky Hill, CT

Mortgage Processor

Processing Conventional, FHA, VA mortgages for the Navy FCU account; running DU, collecting findings, preparing and shipping 3 day docs; clearing conditions; ordering titles, hazard insurance and appraisals and reviewing for accuracy; calculating ratios to conform with Fannie Mae guidelines; preparing files for clear to close review; maintaining a minimum of 50 files/month in my pipeline.

Education

1981 – 1985 Middletown High School Middletown, CT

1996 – 1997 Opportunity Industrial Center New London, CT

Interests

Plan to attend Middlesex Community College to achieve an associates degree

Summary of qualifications

Contact this candidate