Beth Hernandez

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

Suisun City, CA 94585

707-***-****

adqmdo@r.postjobfree.com

SUMMARY OF QUALIFICATION

** ***** **** ** *********** mortgage experience

Excellent Customer Service Skill

Ability to multitask, organize and prioritize and work independently

Team Player

PROFESSIONAL EXPERIENCE

LeaderOne Financial – Washington State (Remote)

08/21 – 02/2022

Closer

Duties Included: Issued initial cd, draws closing documents and reviews signed collateral documents for completeness, reviews final figures from escrow, ensure all at-closing conditions are met, and disburses funds according to policies. Worked closely with loan processor, Loan Officers and Title Companies. Assisted post-closing department on outstanding conditions needed for loan purchase to the investors.

First Alliance Mortgage – New Jersey (Remote)

09/20 – 06/21

Closer

Duties Included: Accurately and timely review of all loan documents required for funding, maintain familiarity with residential mortgage documents, work directly with processors, underwriters, loan officers, and settlement agents. Order wires from designated warehouse banks

LoanPal - Roseville

06/16 – 9/20

Sr. Loan Closer

Duties Included: Review and prepare files to generate closing disclosures for clients to sign and initiate the 3-day waiting period to release loan documents to the Title Company. Prepare all closing documents to close, ensuring documentation is complete and accurate, follow up with any discrepancies, gather all required forms and conditions required to fund the loan

Bank of America - Concord

03/10 - 06/16

Home Loan Specialist II

Duties Included: Review new loan submissions and run it through DU to determine what is needed to process loans quickly. Issue approval or decline notification to clients. Ordered Credit Report, VOE’s VOD’s, VOT’s, and appraisal report. Processed loan conditions and forwarded to underwriter for review. Signed off sase level 1 conditions, Followed up on outstanding funding conditions

Adecco Employment Services - Concord

03/09 – 03/10

Contractor for Bank of America

Underwriting Support Specialist

Duties Included: Facilitate the timely admission of the underwriting resub queue and rush requests from Sales Managers. Ensure aged loans are withdrawn or declined in the system. Ensure daily underwriting turn times is within the service level. Maintain accurate record of underwriter’s productivity. Assures borrower(s) confidential information is kept secure.

First Mortgage Corporation - Concord

02/07 - 12/07

Loan Processor/Account Executive

Duties Included: Set-up new loan application in system and ran it through DU, ordered VOD’s, VOT’s, appraisal reviews, processed loan conditions and forwarded to underwriter for review, faxed out loan approvals/denial letters, followed up on outstanding funding conditions, received and processed mortgage payments; answered phones in a professional, courteous and positive manner

Solicited Brokers/Realtor’s office for new business, assisted brokers in submitting loan packages for processing. Provided training for brokers on first time home buyer programs (CALHFA/FHA products).

Heritage Plaza Mortgage – Concord/Stockton

02/06 – 02/07

Transaction Manager

Duties Included: Processed a pipeline of 100 loans, faxed out loan approvals/denial letters, received/reviewed incoming loan conditions, ordered flood cert, credit report, VOD’s, VOE’s, VOT’s and appraisal reviews. Drew loan documents followed up on outstanding funding conditions

Aames Home Loans – Concord

09/05 – 12/05

Sr. Loan Processor

Duties Included: Processed a pipeline of 80 loans, faxed out loan approvals/denial letters, received/reviewed incoming loan conditions, ordered flood cert, credit report, VOD’s, VOE’s, VOT’s and appraisal reviews. Drew loan documents followed up on outstanding funding conditions

Chase Home Equity - San Ramon

09/99 – 05/05

Operation Supervisor

Duties: Supervised loan processor and loan closers, ensured daily pipeline report are done on a daily basis, attended daily meetings, ensured policy and procedures are enforced and privacy act not violated, maintain a monthly passing QA score, covered employees’ desk when they are on vacation, handled high volume calls from brokers and Account Executive

Eureka Bank – Foster City

04/93 – 12/97

Jr. Loan Processor

Duties: processed incoming mail, processed revenue collection, input new loans in system, ordered credit report, flood certification, answered phones in a professional, positive manner

SKILLS

Customer Service

Office Procedures

Type 45 wpm

8000 data entry keystrokes

MS Word Process

Excel

EDUCATION

Solano Community College

Reference Available Upon Request

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