Loan Processor Mortgage
Resume:
William Matthew Stewart
Jacksonville, FL 32208
OBJECTIVE
A highly motivated and ambitious individual able to give timely and accurate advice, guidance, support and training to team members and individuals. Possessing excellent management skills and having the ability to work with the minimum of supervision whilst leading a team of 5 or more. Having a proven ability to lead by example, consistently hit targets, improve best practices and organize time efficiently. AREAS OF EXPERTISE
Over 17 years’ mortgage/foreclosure experience with internal and external customers in the banking industry and over 10 years customer service experience in the retail industry. My Skills include: Microsoft Office Document Review Supervising Document Tracking Strategic planning Team Oriented Familiarity w/several mortgage servicing system Ability to motivate WORK EXPERIENCE
Envoy Mortgage- Loan Processor May 2020- September 2021 Responsible for timely processing of Conventional, FHA, VA, USDA and Bond mortgage loans. Review mortgage loan application for accuracy and ensure LOS is updated appropriately.
• Prepare loan disclosures according to TRID regulations
• May work directly with borrowers to answer questions, understand their needs, and help guide them through the loan process. Compile the required documentation pertaining to income, assets, liabilities, employment, and other areas
• Confirm loan application information by ordering all verification documents
• Coordinate all third-party services such as survey, appraisal, title, homeowner's insurance, etc.
• Review all loan and verification documents for accuracy and update information in LOS
• Calculate Income for all borrowers on loan application
• Validate loan in automated underwriting systems (DU, LP or GUS)
• Submit the loan file to underwriting
Review loan approval and ensure all tasks are completed and loan is on target to meet expected closing date
• Proactive communication of loan status or updates to the Borrower(s), Loan Originator . One Trust Home Loan Sr Loan Processor/ Jr UW
January 2020 to May 2020
Close loans on the agreed upon time,
Review the file for missing documentation needed for submission to underwriting monitor disclosures and signatures
Communicate directly with clients on any loan changes, documentation, or questions.
Collect all missing documentation for Underwriter conditions Detailed Pipeline Management.
Familiar with Fannie/Freddie underwriting guidelines, and disclosure compliance. Weekly status calls to the client. Proactive communication with all parties involved in the transaction.Attend all pipeline reviews.
Review all closing statements and compare to the latest disclosure, correct discrepancies.Work within established regulations and adhere to law requirements at all times
Digital Risk / Verification Analyst
August 2019 to January 2020
Review of Loan File and attempt re-verification of all information utilized at origination for approval (employment, income, assets and credit history). Continuous follow up on all audit verifications sent in order to obtain audit information. Record comprehensive notes detailing actions taken in order to obtain all audit verifications to include numbers used and dates contact was made or attempted. Reconciliation of all audit verifications received. If information is incomplete or incorrect, corrective steps are taken to ensure the audit information meets client standards. Complete Processor Certifications of all verbal information obtained. Review of accuracy of all work performed by the Data Capture Analyst. All additional requirements are administered by Digital Risk Management or client-specific direction.
KBSH Home Loans / Sr Loan Processor
April 2018/ May 2019
Processing of builder loans i.e. Conv FHA/VA Bond, Condos etc. approved by an Underwriter or an automated decisioning systems
Reviews loans in process daily and determines what is needed to process loans quickly Reviews the most complex applications Verifies W2 Income, approval conditions and clears title Reviews credit report and flood certifications
Reviews appraisals and resolves disputes
Review loans to ensure loan/property meets investor guidelines Main point of Customer Contact to gather supporting documentation to prepare the loan for Underwriting
Provides follow-up on a consistent basis with customers during the loan processing period Analyzes loan files and submits completed loan packages for approval to underwriting
BB&T / Sr Loan Processor
June 2017 to March 2018
Responsible for processing Conv, New Construction and Portfolio loans, majority were purchased and processed according to investor guidelines; ordering credit reports and reviewing appraisals and title to ensure file meets program guidelines for accuracy, completeness, and possible misrepresentations and researching any discrepancies found. Caliber Home Loans- Sr. Loan Processor May 2015 to June 2017
● Manage an assigned pipeline of 30 plus loans on a daily and weekly basis
● Process loans approved by an Underwriter or an automated decisioning systems
● Reviews loans in process daily and determines what is needed to process loans quickly
● Reviews the most complex applications
● Verifies W2 Income, approval conditions and clears title
● Reviews credit report and flood certifications
● Reviews appraisals and resolves disputes
● Review loans to ensure loan/property meets investor guidelines
● Main point of Customer Contact to gather supporting documentation to prepare the loan for Underwriting
● Provides follow-up on a consistent basis with customers during the loan processing period
● Analyzes loan files and submits completed loan packages for approval to underwriting Florida Credit Union December 2014-May 2015
Mortgage Processor/ Jr. Underwriter
Responsible for the processing of mortgage loans, including timely accurate system updates and communication with all parties, but is also responsible for assisting Underwriting in completing decisions on assigned files using their Certified Credit Authority (“CCA”). The position also provides assistance to Loan Originators in maintaining customer relationships. Position eligibility requires that the incumbent complete the CCA program and be granted credit authority from EverBank’s Credit department. It is management’s expectation that incumbents in this position will utilize their CCA whenever possible to underwrite loan files. PNC Mortgage May 2012 – December 2014
Sr. Loan Processor
Work closely with loan originators. Receive application online in our system, must have ability to quickly review for accuracy and completeness, advise the LO as to viability of loan at first glance and then must acquire necessary information to obtain loan decisions. Timely accurate system updates and communication with all parties concerned to achieve a best in class customer/referral source experience. Assist Loan Officer in maintaining customer relationships. Chase Manhattan Mortgage
Lead Processor
Responsible for processing Conv, FHA/VA and Portfolio loans, refinances and purchases according to investor guidelines; ordering credit reports and reviewing appraisals and title to ensure file meets program guidelines for accuracy, completeness, and possible misrepresentations and researching any discrepancies found. Asset Recovery Specialist
Managed call flow with above 100 calls per minute. Received Customer Service Award for Exceptional Customer Service
● Worked with company systems such as Live Support and diligently completed all assigned tasks, working overtime as needed. Researched, calmed and rapidly resolved client conflicts to prevent loss of key accounts. Assured attorneys that I would stay on top of delinquent accounts. Completed foreclosure bids in a timely manner for clients so sales were not missed. Greeted new attorneys upon entrance and handled all new accounts in order to generate revenue for the company ACCOMPLISHMENTS
Requested by other departments to help out on major projects of high recommendations from Senior Management.
Accurately and efficiently created a Document Processing Unit function in newly acquired position,
REFERENCES
JOANNA THEIS
TODD HAYNES
WHITNEY SAHR
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