Loan Manager Processor

Amparo Gonzalez

**** ******* ****, *******, ** **509

Cell 925-***-****

Email: **********@*****.***

Professional Summary To utilize my current Mortgage Loan Processing skills to successfully do the job adeptly and perform to your expectations as a Loan Transaction Coorinator within your Company. I have 24+ years of hands-on experience in reviewing loan applications, ensuring documentation, evaluating credit worthiness, and analyzing all areas of the mortgage loan application. My goal is to continue my career in Mortgage and Equity processing to assess client needs and client retention. I am a focused professional and have developed the skills directly relevant to the Loan Transaction Coordinator position you are hiring for. Overall, I have consistently demonstrated multitasking, leadership and communication abilities at my previous employers. I invite you to review my detailed achievements in the attached Resume. I am confident that my processing and analytical skills will allow me to be a great addition to your team.

Skills/Language

• Fluent in Spanish and English

• Proficient in translating all Mortgage terms in Spanish

• Run DU / LPS/ AUS

• Citrix, Encompass, Byte, Microsoft Office Suite

• FNMA, HUD, VA/FHA, TRID, RESPA, FHLMC & REG Z

• Multi-task and detailed oriented, and a team player

• Knowledge of agency conventional underwriting product guidelines

• Familiarity with Desktop Underwriter (DU) & Loan Prospector (LPA)

• Ability to troubleshoot and solve problems independently and deliver superior customer service

• Maintain composure in a fast-paced high volume, deadline-oriented environment

• Strong communication, organization, and time management skills

Work History/Experience

Loan Processor III * 7/2020- 11/05/2021 * loanDepot.com, LLC * Roseville, CA 95661

Verifies, compiles, and submits loan application information for mortgage loans: Reviews residential loan application file to verify that Applicants data is completed correctly and meets establishment standards, including type and amount of mortgage, borrower assets, income, liabilities, and length of employment.

Review guidelines on new submission for FHA/VA, CALHFA, Jumbo and Government Loan programs

Run DU/LPA Decision Engine on all loans to receive validation of Approval

Collects all stipulations through final approval.

Prepares, validates, communicates and delivers any and all Revised Loan Estimates and Interim disclosures in accordance with regulatory service levels.

Prepares, validates, communicates and delivers Closing Disclosures in accordance with company SLA’s and regulatory service levels.

Manages a pipeline of 20-40 loans per month

Acts as the primary liaison between Sales, Title, Escrow, Funding and Borrowers. Effectively communicates with all partners to ensure a smooth and efficient process.

Accountable for all loan files from Sales Origination through closing/funding

Call borrowers on a daily basis to follow-up on missing conditions and/or disclosures

Reviews documentation for accuracy demonstrating a high attention to detail.

Evaluates credit, income, and title reports, review thoroughly before submission for initial approval

Attend weekly meetings with Manager, Loan Consultant’s and Branch Sales Manager to review and update “Status on Loans” in Pipeline

Performs other duties and projects as assigned.

Escrow Processor/ Assistant 04/2019 – 4/2020 * Stewart Title of California, Inc.* Walnut Creek, CA. 94596

Assist the Escrow Officer on all the files, including processing, reviewing all the documentation for closing and funding of all transactions.

Open and receipt in all new Escrows & Title for Purchases and Refinances

Prepare Estimated Closing Statements, order Title commitments, Order property Insurance, payoff demands and distribute to all parties.

Clear all Title requirements and assist Lenders with their funding and closing conditions.

Enter into the status reports all pertinent information for clients

Cover the desk in the absence of the Escrow Officer

Responsible for being the back up to the officer, and responsible for all aspects of the transaction

Manage the escrow process from open to close, assist in funding issuing checks and order wire transfers and provide wiring instructions to 3rd parties

Perform customer service and clerical functions to assist all parties involved with final policy disbursement in the escrow process; Buyers, Seller’s, Realtor’s, Lenders, Attorney’s, Loan Agents, etc...

Assist all Escrow Officers with additional tasks and priorities on files

Loan Processor/Loan Officer Assistant * 02/ 2018 – 08/ 2018 * Caliber Home Loans, Inc. * Walnut Creek, CA. 94596

• Pre-qualify clients, quote interest rates, discuss loan terms, loan programs and send out pre-approval and Commitment letters to customers

• Review and process all loans, complete the Loan Manager checklists on all files; adhere to company time frames; and re-disclose CD’s for all new loans when there is a Change of Circumstance

• un DU requirements to prepare file for submission to Underwriter for approval

• Review loan within 24-48 hours of receiving loan from Underwriter

• Review guidelines for FHA/VA, USDA, CALHFA, and Government Loan programs

• Submit income, pay stubs, tax returns, assets, 401(k), Investments, VOE’s, Title reports, Appraisals per loan programs

• Clear any conditions that require communication to the clients

• Provide pipeline status on a weekly basis to Loan Officers and Processing manager

• Provide new lead call backs within 20 minutes and maintain a 35% conversion rate from lead to appointment.

• Provide administrative support managing various client databases (ex: Lead tracker, Zillow, etc.).

• Send new clients online pre-qualification link on behalf of originator.

• Pull and prepare web applications and other administrative based duties, including updating credit reports and AUS findings, for LO.

• Act as a point of contact for the customer and referral source, keeping them informed throughout the process, subject to the limitations as set forth in SAFE Act and Consumer Privacy/Safeguarding in Information policies.

• Run credit on loans assigned to an originator.

• Request status updates from pre-approved clients and referral sources (weekly TBD calls).

• Contact expired, pre-approved clients to gather necessary documentation for licensed teammates to update pre-approval documentation and/or letters.

• Provide marketing support by coordinating, creating, obtaining compliance approval, tracking, and distributing advertising materials as needed.

Loan Officer Assistant * 05/2017 – 09/2017 * Everett Financial dba Supreme Lending Inc. * Walnut Creek, CA

Loan Officer Assistant * 05/2016 – 04/ 2017 * GEM dba Pacific Funding Group * Brentwood, CA

• Obtain all initial loan information for submission through the Company’s automated loan origination system (AUS) • Ensure the accurate input of information into the LOS and update information throughout the process as necessary

• Order required reports (credit, appraisal, flood certificates, 4506T, time reports, property inspections, etc.) as required to obtain loan approval

• Confirm that all rates and fees input into the system are accurate and comply with the requirements of federal/state and company guidelines

• Ensure that all disclosure information is accurate when sent to customer/broker

• Must complete a very thorough and accurate Income analysis on every file before submission to Underwriter

• Obtain necessary verifications of income, employment and assets as/when needed

• Collect all required documentation for closing of loan (Retail and Brokered)

• Ensure compliance with federal state, investor and company policies and procedures

• Coordinate the scheduling of loan funding with appropriate parties

• Review and ensure that all prior to funding conditions and documents are prepared, signed off and in file

• Act as main point of contact for sales, underwriting, funding, title company, broker and or client and settlement agent (if required)

• Maintain clear, consistent and professional lines of communication between all parties involved in process and escalate issues as required

• Maintain and control 3rd party fees

• Communicate clearly and precisely with loan officers, borrowers or brokers, underwriters and funders to facilitate and ensure smooth closing process

Sr. Loan Processor * 06/ 2015 – 11/2015 * Mason - McDuffie Mortgage, Corporation * San Ramon, CA

• Pre-qualify clients, quote interest rates, discuss loan terms, loan programs and send out pre-approval and Commitment letters to customers

• Review and process all loans, complete the Loan Manager checklists on all files; adhere to company time frames; and re-disclose all new loans when there is a change

• Run DU requirements to prepare file for submission to Underwriter for approval

• Review loan within 24-48 hours of receiving loan from Underwriter

• Review guidelines for FHA/VA, USDA, CALHFA, and Government Loan programs

• Submit income, pay stubs, tax returns, assets, 401(k), Investments, VOE’s, Title reports, Appraisals per loan programs

• Clear any conditions that require communication to the clients

• Provide pipeline status on a weekly basis to Loan Officers and Processing manager

Loan Manager/Sr. Loan Processor (FHA/VA Government Loans), September 2014 – May 2015 Summit Funding Inc., Brentwood, CA

Loan Processor IV * Jr. Underwriter (FHA/VA), January 2006 – April 2014 Wells Fargo Home Mortgage -Walnut Creek. CA & Brentwood, CA

• Underwrite Loans for first time Homebuyers with a decision for pre-approval on new home purchase and refinancing approvals for Level 1C/2F FHA Government and Conventional Loans.

• Review and process loans completing the Loan Processor checklist on all files and adhere to company time frames

• Re-disclose all new loans when there is a change of circumstance on loan program

• Review loan within 24-48 hours of receiving loan from Underwriter and mail commitment letter to borrower

• Review guidelines for FHA/VA, USDA, CALHFA, and Government Loan programs

• Process complex loan documents to provide guidance and training to other loan documentation team member •

• Review loan documents, pay stubs, tax returns, business profit & loss statements, assets, 401(k) documentation, credit reports and submit for approval

• Contact and work with escrow companies to order preliminary title reports,

• Order HUD fees statements, appraisal report, property profiles, property inspections and Homeowners insurance

• Maintain and control 3rd party fees

• Communicate clearly and precisely with loan officers, borrowers, Underwriters and funders to facilitate and ensure smooth closing process

Education & Licenses

Leasing Certificate: Issued 05/2018

Mortgage Educators: Loan Partner - Antioch, CA* April 2016 – April 2019 NMLS License #1456736

Allied Business School – Walnut Creek, CA. * 8/2000 – 9/2008 Real Estate License #01294927

San Francisco City College - San Francisco, CA * September 2002 – June 2003 * Business Management Certificate

REFERENCES AVAILABLE UPON REQUEST

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