Loan Processor Underwriting Manager
Resume:
MARY MARTIKIAN
**** ****** ****, **********, ** *1325
*************@***.***
PROFESSIONAL SUMMARY
10+year high volume processing experience Interview Availability: as soon as possible. open to any day or time. Salary Expectations: $65K or higher. A position working with the banking, mortgage, or related fields which offers a high level of challenge, responsibility, and the opportunity for continued career growth Excellent communication skills, Innovative problem solver/Analyst, Superb Attention to details. Able to prioritize multiple time sensitive projects. Software knowledge: Microsoft Office, SX3, Calyx Point, Encompass, DUP/LP, Net Oxygen & Doc Velocity Imaging. WORK EXPERIENCE
Senior Loan Processor
08/2020 – Current
Lendevity Inc.
Woodland Hills, CA
Process Conventional and FHA Loans
Requested Payoff Demands, Estimated Statements from Escrow and Title Communicated with customers and loan agents regarding their loans Daily pipeline management and answered loan scenarios for loan agents and management Received loan file and documents from Opening Dept, reviewed documents for completeness, provided disclosure packages to Borrowers, Reviewed Income, Asset, Verifications of Employment, Verifications of Mortgages, Credit Reports, Ordered Title Reports, Opened Escrow, Ordered Appraisals Submitted complete files to Lenders for Underwriting, cleared conditions after the loan was approved. Meet Conditions by contacting the borrowers and obtaining all the necessary documents for fast funding. Senior Loan Processor
04/2016 to 12/2018
Synergy Loan Processing
Center Chatsworth, CA
Process Conventional and FHA Loans
Requested Payoff Demands, Estimated Statements from Escrow and Credit Supplements Communicated with customers and loan agents regarding their loan agents.
Daily pipeline management and answered loan scenarios for loan agents. Received loan file and documents from loan officers, reviewed documents for completeness, provided disclosure packages to Borrowers, Reviewed Income, Asset, Verifications of Employment, Verifications of Mortgages, Credit Reports, Ordered Title Reports, Opened Escrow, Ordered Appraisals Submitted complete files to Lenders for Underwriting, cleared conditions after the loan was approved. Senior Loan Processor
09/2015 to 03/2016
BEST CAPITAL INC.
CANOGA PARK, CA
Process Conventional and FHA loans.
Meet Conditions by contacting the borrowers and obtaining all the necessary documents for fast funding. Received Data File and Documents from Branch Managers/Loan Officers, reviewed documents for completeness, provided disclosure packages to Borrowers, Reviewed Income, Asset, Verifications of Employment, Verifications of Mortgages, Credit Reports, Ordered Title Reports, Opened Escrow, Ordered Appraisals, and FHA required Case numbers.
Requested payoff Demands, Estimated Statements from Escrow Ordered Credit Supplements from Credit Agencies
Insured that borrower meet DTI’s and LTVs per Investor Guidelines. Communicated with customers and loan agents regarding status on files. Submitted complete files to UW for review.
Cleared conditions assigned by UW
Ordered Loan Documents from Lenders
Recommended loan approvals and denials based on customer loan application reviews. Senior Loan Processor
03/2015 to 08/2015
SKYLINE HOME LOANS/DBA NEW LEAF
LENDING CALABASAS, CA
Process Conventional and FHA loans.
Meet Conditions by contacting the borrowers and obtaining all the necessary documents for fast funding. Received Data File and Documents from Branch Managers/Loan Officers, reviewed documents for completeness, provided disclosure packages to Borrowers, Reviewed Income, Asset, Verifications of Employment, Verifications of Mortgages, Credit Reports and Letters of Explanations, updated Encompass to match all documented and verified information, Ordered Title Reports, Opened Escrow, Ordered Appraisals Requested payoff Demands, Estimated Statements and Credit Supplements. Insured that borrower meet DTI’s and LTV’s per Investor requirements.
Communicated with customers and loan agents regarding their loan status. Daily pipeline management.
Suggest ways to restructure loans to loan agents when guidelines are not met. Answer loan scenarios for agents.
Submitted complete files to UW for review.
Cleared conditions assigned by UW with Agents and ordered Loan Documents to Agents specifications. Process Conventional by contacting the borrowers and obtaining all the necessary documents for fast funding. Received Data File and Documents from Branch Managers/Loan Officers, reviewed documents for completeness, provided disclosure packages to borrowers, Reviewed Income, Asset, Verifications of Employment, Verifications of Mortgages, Credit Reports and Letters of Explanations, updated Net Oxygen to match all documented and verified information, Ordered Title Reports, Opened Escrow, Ordered Appraisals Senior Loan Processor
06/2013 to 11/2014
US BANK HOME
MORTGAGE WESTLAKE
VILLAGE, CA
Requested payoff Demands, Estimated Statements and Credit Supplements. Insured that borrower meet DTI’s and LTVs per requirements.
Communicated with customers and loan agents when guidelines are not met. Answer loan scenarios for agents.
Submitted complete files to UW for review.
Cleared conditions assigned by UW with Agents.
Ordered Loan Documents to Agents
specifications. Daily Pipeline Management.
Loan Processor/Underwriting Manager
09/2012 to 05/2013
BANKERS MORTGAGE GROUP
INC WOODLAND HILLS, CA
Processed loans, getting pricing, opening loan file, getting all conditions, talking with clients, open title and Escrow and funding loans.
Calling and working with different lenders.
Ordered documentation, processing loans, submit loans with different lenders signing all conditions, funding loans, and filling all for form in Calyx Point, stacking loan documents, Verifications of employment, written or verbal Contact homeowners insurance to update mortgage clause and/or correct insurance amounts as well as order updated insurance binders, Order FHA Case numbers, Scan and save completed and signed loan documents, uploaded loan documents to lender sites, follow up on every task. Help/review or renegotiate hardship letters. Review all loan modifications docs for accuracy and completeness. Pre-Underwrite & ensure loans adhere to modification program, compliance and due diligence. Package client documents in preparation for submission to lender. Underwriter/Negotiator/Processor
01/2009 to 02/2011
LAW OFFICES OF JANIAN AND
ASSOCIATES GLENDALE, CA
Underwrite client packages(debt to income rations, assets, income, etc. Help/review or renegotiate hardship letters.
Review all loan modifications documents for accuracy and completeness. Pre-Underwrite & ensure loans adhere to modification program, compliance and due diligence. Package client documents in preparation for submission to lender. Underwriter
03/2005 to 12/2008
FIELDSTONE MORTGAGE
COMPANY CHATSWORTH, CA
Subprime Wholesale Lending Review and Analyze all areas of Mortgage Loan Application to ensure Accuracy, Completeness, and in Compliance with Government Regulation, Investor Guidelines. Company Policies and Procedures, Add/Review and sign loan conditions. Interface with Account Executives/3rd party vendors to re-verify information. Processor/Underwriter
01/1994 to 02/2005
WASHINGTON MUTUAL
BANK CHATSWORTH, CA
Loan Origination, Loan Boarding, Review of Applications, auditing work, Ordering Appraisals and Title Reports, reviewing, and setting underwriting conditions, customer service, and other related assignments Manual Underwriting
Dealt with the loan process from beginning to end
Working with residential products.
SKILLS
Superior organization skills, Team Player - 30+ years Flexible, People Oriented - 30+ years
Cheerful demeanor, Positive attitude - 30+ years
Goal-oriented, Self-sufficient - 30+ years
Complex problem solving, Excellent work ethic - 30+ years EDUCATION
WEST VALLEY OCCUPATIONAL CENTER
Associate
BUSINESS
ADMINISTRATION
WOODLAND HILLS, CA
09/1986 to 06/1988
PIERCE COLLEGE
Associate
BUSINESS
ADMINISTRATION
WOODLAND HILLS, CA
09/1988 to 06/1990
TAFT HIGH SCHOOL
High school or equivalent
BUSINESS
ADMINISTRATION
WOODLAND HILLS, CA
09/1983 to 06/1986
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