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Loan Counselor Processor

Woodbridge, VA
April 27, 2022

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Amelita O. Enriquez

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

Woodbridge, Va 22192

Cell Phone: 703-***-****

Education: Bachelor of Arts and Sciences

Major in Psychology 1969-1974

Summary: 33 years experience in Banking and Mortgage Industry and held various positions such as Teller, Head, Teller, Customer Representatives, Member Service, Loan Counselor, Equity Loan Processor/ Closer, Mortgage Loan Processor/Closer Mortgage Production Specialist, and Quality Assurance Specialist

Education: Bachelors of Arts and Sciences (Major in Psychology) Skills :

Ability to make sound judgements regarding the resolution of comples issues Ability to poblem-solve and exercise independent judgement Ability to detailed assignments and maintain confidentiality Excellent communication and interpersonal skills

Orgagnizational skills necessary to prioritize workload Experience:

JG Wentworth/ Freedom Mortgage Corp

Quality Assurance specialist

11/22/2009- 12/09/2021

*Reviewed loans as assigned and tested against 74 items to determine accuracy proper compilation.

*Communicated with loan staff the outcome and deficiency if any.

*Communicated with loan staff to aid the completion of the process.

*Reviewed the mortgage disclosures and delivered them to borrowers in accordance with state and federal laws.

*Inputted data entries in encompass

*Reviewed loan Officers licenses in NMLS

*Performed audits as assigned to ensure that all work papers are forwarded to the manager.

*Imaged files as needed

*Assisted with other compliance department functions as requested

*Performed other related duties as assigned

Navy Federal Credit Union

Mortgage Production Specialist


*Reviewed mortgage loan applications to ensure the borrower’s financial qualification are within established guidelines and the loan request conforms to loan program requirements

*Oversees Loan processors workloads and duties

*Reviewed accuracy of estimated closing costs and initial pricing

*Approved release of loan submissions to credit committee for loan decisions

*Resolved and recommended solutions to correct any issues or errors

*kept records/logs/pipeline report on status loans assigned to Loan officers and in Processors queue

* Reviewed approved mortgage loans prior to submission to closing department and closing settlement agent

*Reviewed Title Binder to ensure clear and marketable title with proper lien position

*Reviewed accuracy of loan disbursement proceeds

*Authorized the release of reviewed/ approved closing package

*Assisted the Real Estate Lending Branch in marketing the mortgage products and services to the real estate community and to current prospective members

*Counseled and evaluated team members during their performance evaluation period Navy federal Credit Union

EquityLoan Processor/Closer

Mortgage Loan Processor/closer

09/01/986- 07/01/2003

*Assisted applicants in choosing the right mortgage option

*Interviewed and counseled members regarding the equity and mortgage loan application in person and over the telephone

*Took Mortgage /Equity application determined applicants qualifications and provided detailed information about Navy Federal’s mortgage/equity loan process and clarified/explained the complexities of the

*Verified, compiled and inputted/updated application information for mortgage/equity loans

*Evaluated and recommended financing alternatives if needed.

*Used all required checcklist for underwriting and closing

*Reviewed the AUS recommendation to approve / refer

*Analyzed AUS findings for approved loans and referred loans for areas of concern and determined proper course of actions

*For AUS approved loans,ensured to certify documentation that meets Navy Federal’s requirements

*Prepared final applications and credit packages for submission to the underwritings

*Made recommendations for loan conditions, approval or denial

*Reviewed /prepared the approved loan file for completeness, accuracy and additional documents /informations needed for closing

*Reviewed Title binder,existing liens and evaluated title exceptions for acceptability and took corrective action needed

Performed other related duties as assigned

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