Loan Processor Officer
Resume:
Jonathon C. Jeffrey
Sacramento, CA 95826
Email:
****************@*****.***
Summary
● Over 16 years of Loan Processing and Underwriter experience within various mortgage industries
● EDUCATION: Southern Methodist University-Business Administration
● Average pipeline size of 25 to 30 loans per month Mortgage OPS side.
● Extensive Knowledge of FHA, VA, Conventional, USDA, Jumbo loans, Fannie Mae and Freddie Mac Repurchase Review, Leasing Contacts, REO’s, Forensic Fraud Review Underwriting
● Experience in Managing Junior Processors White Room Environment. Lexis Nexis, SAR Report Filing, Fannie Mae Repurchase Project, Ordering Tax transcripts, Property History reports.
● Proficient in Microsoft Office (Word and Excel) Windows OS, Encompass and Point.
● NMLS:1655838
Cherry Creek Mortgage Company: LOA- August 2021- April 2022: Assist Loan Originator in all matter in reference to initial loan application; taking loan application with borrower, helping with product, and pricing and running credit. Ensure loan is ready to be Pre underwritten or submitted for TRU Approval. Main contact with borrower for any additional documents that may be needed on the file. Work with Loan processor and Underwriter on any conditions needed. Academy Mortgage Company: LOA- August 2019- To August 2021: After initial 1003, follow up with file review and send out need list and welcome email. Set-up escrow, Order all FHA, VA documents and order appraisal. Income review and calculations. Complete encompass file and prep for Underwriting submission. Following the file through to funding and handle any additional post closing issues.
Movement Mortgage Loan Officer Assistant August 2017 to August 2019 Loan officer assistant. Handled pricing, taking 1003 for borrower, running credit, need list and working with the file all the way through closing. PennyMac Mortgage Senior Processor III July 2016 to August 2017 Site only processes FHA Streamline loan. managing pipeline size of 40 loans currently, funding 20-25 loans a month. Paramount Equity Mortgage Senior Processor August 2014 to April 2016 Primary Loan working with are FHA and VA loans. Working knowledge of FHA connection ordering Refinance authorization, FHA Case Success, CAIVRS and using Mortgage Insurance Calculations. For VA I have working Knowledge of VA form 260592 for Military home buyers. DD214 form for discharge and release of service. Ordering Certificate of Eligibility. Obtain a VA Notice of NOV through WebLGY or VA Form 1843a and a Master Certificate of Reasonable Value. Completing VA indebtedness And CAIVRS search. Current Pipeline of 30 to 50 loans funding 2030 loan a month. CoreLogic Senior Outsource Underwriter January 2013-January 2014 Essential Functions/Responsibilities Due diligence and Forensic underwriting, portfolio analysis and compliance review projects. Conduct required due diligence underwriting of loan files submitted from various financial institutions (this includes reviewing loan files for completeness and accuracy, analyzing credit documents including but not limited to mortgage applications, credit history and income documents, title documents, appraisals and all applicable compliance documents). Adhere to all client/lender policies and procedures, in addition to federal, state and/or municipal laws and regulations within the due diligence process. Identify portfolio risks resulting from client’s underlying business practices, underwriting and/or fraud exposure. Actively support the decisions and knowledge of supervisors and colleagues by sharing information about the department, business unit, organization and the underwriting industry. Take an active role in identifying potential challenges within the underwriting process and/or department and make recommendations for changes to improve. Multitask between different due diligence projects. Maintain knowledge of all applicable underwriting guidelines by completing all underwriter training programs, learning any business unit policies and/or guidelines. Research industry guidelines
Search Pros Staffing Real Estate processor II January 2012-December 2012 Reviewed initial applications, verify complete, and obtain any missing information Accurately figure income from a variety of income documents including tax returns Accurately figure mortgage calculations (debt ratio, loan to value) Order and evaluate credit report Submit loan through LP, DU or DO and understanding knowledge of findings Submit file for underwriting approval Order and review Title Commitment, survey, flood certification and appraisal Timely communicate underwriting decision to borrower and other parties of interest Ensure compliance with established policies, investor guidelines, regulatory requirements and loan terms Knowledge of all aspects of mortgage lending, servicing or operational policies and practices. Trained in Harp 1.0 and 2.0, DU Refi Products. Handle FHA purchase and Refinance with also conventional and Jumbo Loans. Worked with Mortgage Bot, More Vision and Tele Navigator. Bank of America N.A. HSS II/ Underwriter February 2010-November 2011 Retail Prime Paper. Review application, verify complete, and obtain any missing information Accurately figure income from a variety of income documents including tax returns Accurately figure mortgage calculations (debt ratio, loan to value) Order and evaluate credit report Submit loan through LP, DU or DO and understanding knowledge of findings Submit file for underwriting approval Order and review Title Commitment, survey, flood certification and appraisal Timely communicate underwriting decision to borrower and other parties of interest Ensure compliance with established policies, investor guidelines, regulatory requirements and loan terms Knowledge of all aspects of mortgage lending, servicing or operational policies and practices Strong problem solving and decision-making skills Excellent interpersonal, verbal and written communication skills Ability to manage multiple tasks/projects and deadlines simultaneously Trained in Government HAMP Program, EDGE, Statusmart, Iportal, AS400, LAMP
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