Loan Processor Customer Service

Blanca L. Marquez

Mobile: 619-***-**** - Email: *************@***.***

OBJECTIVE:

Seeking a position where I can utilize my previous experience and apply my strengths to assist in the success and growth of a strong company.

SUMMARY:

Over 10 years of experience in the lending industry

Experienced in working in a fast-paced environment

Ability to multi-task and provide excellent customer-service

Punctual, motivated, positive team player, a fast learner in a high paced environment, while meeting monthly deadlines and providing a high level of customer service

I’m able to work remotely with my own supplies/Office

I have 6 years Encompass experience

WORK EXPERIENCE

Mortgage Home Loans Nov 09, 2021– 007/20/2022

Programs VA, FHA, Conventional, Manufactured Home Loans,

TSAHC, CALHFA

Review Credit Report

Review and Audit Documents

Review 1003, Complete 1003,

Review income documents, Assets, Tax Returns, Rental Income

Open Title and Escrow, Request Title & Escrow Documents

Request Appraisal, Order WVOE, SSA Verifications, Transcripts, Payoffs

Request COC, Request CD’S, Request MI Quotes & MI Certs

Run DU & LP, Run Fraud guard & Clear Fraud Guard

Daily Communications with LO & Team Lead & Borrowers

Request DOCS and schedule signings for the borrower

Clearing funding conditions

Most importantly making sure the borrowers are happy and satisfied with our team & the Company

CrossCountry Mortgage March, 2020 – NOV 2020

Programs VA, FHA, CONVENTIONAL, MANUFACTURED HOMES, JUMBOS

Review Files and submit to UW

Run DU/LP, Run Fraud Guard,

Review Credit, Order Credit Supplements, Request Updated Payoff

Daily Communication with LO and Team Lead and borrowers

Request Title Documents, WIRE,CPL,Title Commitment, Tax Cert

Request WVOE, SSA Verification and Transcripts

Upload documents from Blend and Request items signed through Blend

Request LE’S and CD’S

Request DOCS and Signing

Peoples Mortgage August 5,2019 – March,2020

Sr. Loan Processor

Contractor

Review Files

Work with VA, FHA, CONVENTIONAL, CHENOA, NV DPA, MANUFACTURED HOMES, AND OTHER FIRST TIME HOMEBUYERS PROGRAMS

Daily Communication with Agents, Loan Officers and loan assistance

Order Appraisals

Calculate income

Run DU /LP

Request WVOE, SSA Verification, Transcripts

Make sure the file is ready for UW

Request DOCS and make sure funding conditions are clear and make sure that title has set up and appointment with the borrower to sign DOCS

Fairway Independent Mortgage Corporation March 21, 2017- Aug 18, 2018

Sr. Loan Processor

Work with different investors

Work with Programs like FHA, VA, CALHFA, Manufactured Homes, Jumbo & GSFA Programs, Conventional

Daily communication with Loan Officers and Loan Assistants and my Managers

Order, CD,s and make sure the borrowers sign the CD

Order Appraisals / VA Appraisals

Request the FHA Case numbers, GSA, SSA Validation, Fraudgard, Transcripts,

Run DU & LP

Verify Income

Request Conditions, review them and submit to UW for approval

Once approved make sure we have all the items needed to submit for Final Approval

Once the files get clear to close email the Closer to make sure they can request DOCS

Work with Closer to make sure DOCS and Funding and Recording is completed

Email Escrow to let them know we need to schedule signing for the borrowers

Peoples Home Equity October 2015-Feb 2017

Sr. Loan Processor

Restructure loans and send Disclosures to the borrower

Submit new loans to u/w

Order Appraisals, request 4506T, SSI,

Run DU, run LDP and GSA

Open Title and Escrow

Verify income, Tax Returns and Business returns

Request conditions, review them and submit to u/w

FHA, VA, STREAMLINE, JUMBO.

Work with loan officers to see what program works better for the borrower

Request DOCS

Follow up with Escrow & Title for signings

Follow up on Funding conditions

Daily communications with Managers and Loan officers

Updating reports daily for management

Cornerstone Mortgage October 2014- October 2015

Sr. Loan Processor Contractor

Work with different investor on broker and Correspondent loans

TRAIN new Processors, Team Lead

FHA, VA, JUMBO, Conventional

Daily communication with Loan Officers and investors and most important customers

Open Escrow and Title

Order Appraisals, request 4506T, SSI,

Run DU, run LDP and GSA

Verify income, Tax Returns and Business returns

Request conditions, review them and submit to u/w

Order Docs and fund and record

Meet with borrowers and investors to go over programs and conditions

Process the whole file from beginning to end

Union Bank January 2013 – Aug 2014

Sr. Loan Processor Contractor San Diego, CA

Daily Communication with Bankers and Bankers Assistants.

Review & verify income, credit reports, assets statements and legal documentation

Coordinated close of escrow dates and follow up with bankers, as required

to update status to ensure excellent customer service, especially for those customers who may experience a longer closing

Maintained a personal processing pipeline status report including dates for submission, credit approval, appraisal information, loan doc status, and COE date for funding/recording.

Responsible for complete loan documentation submitted to underwriter.

Reviewed and maintained guidelines, policy and procedure updates

Order Docs and fund and record.

FHA/VA loans

Train to Processors and new hires

Wells Fargo Home Mortgage/PMB Oct. 2011 – January 2013

Sr. Loan Processor/Lock Specialist San Diego, CA

Specialist in locking WMG Loans

Train Processors and new employees

Daily Communication with Bankers and Bankers Assistants.

Review & verify income, credit reports, assets statements and legal documents

Coordinated close of escrow dates, follow up with bankers, and update status to ensure excellent customer service

Maintained a personal processing pipeline status report, to include dates for submission, credit approval, appraisal information, loan doc status, and COE date for funding/recording

Responsible for complete loan documents submitted to underwriter

Guidelines, policy, procedure updates, reviewed and maintained

Order Docs and fund and record

Aim loan Jun. 2011-Oct.2011

Sr. Loan Processor Contractor

Communicated with loan officers, borrowers, lenders, escrow officers and realtors regularly

Completed loan application with borrowers

Gathered client data, evaluated financial status, reviewed credit history, supported underwriting activities, ensured compliance with lender conditions

and determined feasibility for mortgage loans

Delivered information regarding various loan programs to new/existing clients

Order appraisals, opened escrow and title for clients

Processed the whole file from beginning to end

Bank of America Nov. 2011– Aug 2012

Contractor

First time home buyer programs: CalHFA, CHDAP, DAP, and CALSTERS

Maintained a personal processing pipeline status report including dates for submission, credit approval, appraisal information, loan doc status, and COE date for funding/recording

Constant communications with customers, sales, escrow, and Brokers

Coordinated close of escrow dates and followed up with customers as required

Reviewed and maintained guidelines, policy and procedure updates

Wells Fargo Home Mortgage Sept 2010 - Aug. 2011

Level 1 Underwriter San Diego, CA

Analyzing borrower’s request for assistance with the Home affordable Modification program (HAMP).

Retail, Conforming/Non-Conforming, High Balance 2010/2011 Loan Program (HIBAL).

Simultaneous (SIMO, WHEA, HASSET, RASSET) transactions with Wells Fargo Home Equity Department.

Analyzing income, liabilities, assets, occupancy and ensure criteria is acceptable with current lender and investor guideline requirements.

Wells Fargo Home Mortgage May 2007 – Sept 2010

Loan Processor San Diego, CA

Analyzing borrower’s request for assistance with the Home affordable Modification program (HAMP). Retail, Conforming/Non-Conforming, High Balance 2010/2011 Loan Program (HIBAL)

Simultaneous (SIMO, WHEA, HASSET, RASSET) transactions with Wells Fargo Home Equity Department, as needed

Reviewing new loan applications and ensured packages are complete via constant communication with the loan officer and/or gathered missing documentation as required

Coordinated close of escrow dates and follow up with customers, as required or to update customers with status to ensure excellent customer service, especially for those customers who may experience a longer closing

Guidelines, policy, procedure updates, reviewed and maintained

Wachovia Mortgage July 2003 – Oct. 2007

Loan Processor / Appraisal Coordinator San Diego, CA

Research and developed property schedules

Scheduled appraisal survey of premises, assist appraisal with on-site surveys

Closing Specialist - Responsible for loan preparation

Responsible for complete loan documentation submitted to underwriter

1st and 2nd stage loan processing, and coordination of loan approval process

Reviewing new loan applications and ensuring packages are complete via constant communication with the loan officer and/or gathered missing documentation, as required

Coordinated close of escrow dates and follow up with customers, as required or to update customers with status to ensure excellent customer service, especially for those customers who may experience a longer closing

Order Docs and fund and record

ADDITIONAL LANGUAGES:

Fluent in Spanish

SKILLS:

Encompass, Point, Proficient in Microsoft Office, Word, Excel, and Outlook

REFERENCES:

Available upon request

Contact this candidate