Mortgage Processor Loan
Resume:
Mandy Yow
Randleman, NC *****
*********@*****.***
Mortgage Professional
Loan professional of 20+ years, experienced in Conforming Loans, ARMs, Jumbo Loans, Fannie Mae & Freddie Mac Guidelines, FHA, VA, USDA, and TRID. Highly efficient mortgage-closing funding specialist offering 2 years of experience closing and funding. Expert Encompass user. Highly proficient in running AUS such as DU, LP, and GUS. In addition, ability to calculate income for Self Employed borrowers to include S Corporations, Corporations, Partnership, and Sole Proprietorship. Capable of preparing and monitoring return of full RESPA loan disclosure package to client including release of LE and CD, meeting TRID guidelines. Capable of managing a pipeline of 30+ loans.
PROFESSIONAL EXPERIENCE
Fairway Mortgage Madison WI
Temp Loan Assistant
Sep 2021 to Dec 2021
Duties were pulling credit bureaus and analyzing profiles to determine what loan program to run AUS approval. Provided a documents needed list to the borrower and communicated throughout the process for quick closing. Reviewed for completeness loan application up to income calculations, reviewing all supporting documents to ensure loan accuracy. Submitted to underwriting, and cleared any outstanding conditions. Maintained TRID guidelines by releasing and following up for all loan application disclosures including LE, CD, and monitored for any changes that trigger Change of Circumstance. Encompass Software
PNC Mortgage/KForce Contract Tampa,FL
Temp Remote Loan Processor
2/2021 till 5/2021
Was brought on to catch up their backlog of conditionally approved loans that was not yet in closing. Reviewed and gathered loan conditions with the borrower in order to clear the loan for closing. Empower software
USA Mortgage -DAS Acquisition St.Louis,MI Remote Loan Processor Temp
6/2020 till 1/2021
Reviewed loan application completeness to pull credit, determine if qualified, review financial statements for submission of loans, both conventional and government. Reviewed W2 and tax returns to ensure all income was reported and matched loan app, reviewed and calculated pay stubs, evaluated bank statements for large deposits, and reviewed credit reports for derog. Submitted loans as well as communicated with borrowers to collect outstanding conditions to clear for closing. Encompass Software.
Anthony McLaughlin Attorney at Law Greensboro, NC / Real Estate Paralegal
2/2020 to 4/2020
Prepare title policies, preliminary Closing Disclosures, and coordinate with clients for loan closings. Coordinate with the lender for balancing of Closing Disclosures, print closing docs and stack to send back executed loan packages, print funding checks while maintaining system accuracy. Maintain systems to balance daily business bank ledger. Order final title policies when closing loan files for completion.
Insight Global Atlanta, GA
Remote Contractor Purchase Closing Coordinator
9/2019 to 12/2019.
Assisted with post closing by reviewing documents for compliance and completeness. Obtained missing information and provided support to internal and external parties. Prepared loan for investment buyer.
Advantage Credit BB Evergreen, CO Remote Customer Service Contract
1/2019 to 8/2019.
Provided customer service in the verification department. Recruited to the Advantage Credit team to process credit updates/supplements.
Tidewater Mortgage Services Inc. Virginia Beach,VA / Remote Loan Assistant-Processor
12/2017 to 12/2018.
Worked closely with applicants and all parties privy to loan status to determine if qualified. Analyzed credit for program placement, reviewed all financials, and ran AUS. Submitted loan to underwriting, and cleared conditions to move loan to closing.
Stearns Lending Lewisville, TX Remote Loan Closer-Funder
10/2016 to 12/2017.
Prepared CDs and closing packages, releasing to closing agents. Reviewed executed closing packages in addition to funding conditions ensuring all clear so to order wire and release funds.
Homestar Financial Gainesville, GA Remote Loan Processor/Loan Assistant
3/2016 till 8/2016
Reviewed loan application to pull credit, determined if qualified then started reviewing financial statements for submission of loans, both conventional and government, reviewing loan application for completeness. Reviewed W2 and tax returns to ensure all income was reported and matched, reviewed and calculated pay stubs, evaluated bank statements for large deposits, and reviewed credit reports. Submitted loans as well as communicated with borrowers to collect outstanding conditions.
CSI Company Washington, DC. On assignment BB&T Mortgage / Contract Assignment
2015-2016 (Contract)Closer/SA Support
Assisted settlement agencies, attorneys, and title companies with the registration of RealEC. Keyed settlement agents into BBT's system, making the agent as TRID approved. Assisted our closers with reviewing/approving the new Closing Disclosure statements..
Benchmark Mortgage. Plano, TX. Mortgage Processor
8/2014 to 3/2015
Duties included reviewing all financial documents, calculating income from pay stubs, w2’s, and tax returns (including self-employed borrowers); reviewing loan application for 2-year history of all data; reviewing bank statements for large deposits and NSF; and Ordering and reviewing title and appraisal. Maintained contact with the client, asked for missing documentation.
First Carolina Mortgage. Greensboro, NC Mortgage Processor
8/2013 to 8/2014
Reviewed financial statements for submission of loans, both conventional and government, DU and LP Reviewed loan application for completeness, reviewed w2 and tax returns to ensure all income was reported and matched, reviewed and calculated pay stubs, evaluated bank statements for large deposits, and reviewed credit report.
Allen Tate Mortgage. Greensboro, NC Mortgage Loan Processor
2/2012 to 8/2013
Reviewed financial statements for submission of loans- both conventional and government. Reviewed loan application for completeness, including W2 and tax returns. Submitted loans as well as communicated with borrowers to collect outstanding conditions. Utilized Lender Design, Origination Pro, and Microsoft Publisher.
United Guarantee Greensboro, NC Loan Qualification Specialist
9/2009 to 2/2012
Approved and denied mortgage insurance claims, also worked with student loans approving claims. The duties included reviewing the initial underwriting decision and ensuring all Guidelines were met at the time of granting approval along with supporting doc was provided at origination to support loan approval thus approving to pay the MI claim.
American Staffing Resources High Point, NC Operations manager
2007-2009
Managed two branches in Greensboro and Winston-Salem overseeing all new job orders, interviewing for placement of those orders, and arriving at each location once the New order was filled to ensure all numbers were met. Maintained business relationships and market for new business. Would skill market professionals for said industry. Offering resume assistance as well as comfort support to all temporary employees working in our clients' many establishments. Responsible for weekly time entries for payroll and managed schedules. Last was responsible for job placement in addition to termination of employees.
WFHM Greensboro, NC Mortgage Specialist
9/2004 to 10/2007
Responsible for reviewing financial statements, applicable ratios, credit reports, examining and evaluating for accuracy, ordering titles and appraisals, negotiation of loans, administration, and communicating with customers including pricing loans. Processed FHA, VA, Conventional, Sub Prime, VA, USDA, and A- Minus Loans.
Central Equity Group Jamestown, NC Sr. Processor
Office Mgr & Compliance Mgr
4/2001 to 2007
Responsible for all loans in the companies 3 branches closing loans in NC, SC, NY, MD, CO, CA, and VA. Pipeline management overseeing all Jr. Processors loans/pipelines and final post closing Compliance approval. Hired and trained all front office support staff. Collaborated with owners for new business ventures such as construction of new homes and the opening of title office.
EDUCATION
Cordova High School / Graduate 1995, Cordova, AL
Walker County Ctr of Tech / Drafting 92-95, Jasper, AL
Bevill State / Business Admin 1994-1996, Sumiton, AL
Dan Mohr RE School 2003, Greensboro, NC
Paul Donahue NMLS 2004 & 2007, Greensboro, NC
Calyx Software Training 2002, Raleigh, NC
NMLS 109****-****-**** And again 2016-2018. Actively pursuing a current license once more.
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