My Mortgage Inc.

Post-Closing Mortgage Processor 3/2021-5/2022

Conducted the forensic review of closed mortgage loans to ensure compliance within local, federal, company and investors guidelines/regulations.

Performed document verification of credit and appraisal reports, title commitments, insurance policies, financial and lending institutions deposits / transactions, income and work histories, mortgage/rental pay histories.

Ensured the timely communication with all involved parties; including but not limited to management, team members, 3rd parties and clientele was both accurate, informative, and professional.

Maintained a vast pipeline ensuring no deficiencies.

Mitigated possible discrepancies and/or errors via rebuttal process to immediately cure files flagged as incomplete and/or non-compliant.

Utilized industry, company, and governmental portals to keep up to date and compliant files including but not limited to the following sites: Encompass, Floify, AUS (Automated Underwriting Systems), Credit Plus, Universal Credit, Income Genius, Mercury (AMC portal), AllRegs, FHA Connection, and Fraud Guard, underwriting guideline site to ensure requirements of loans product were met.

Sr. Mortgage Loan Processor

Prequalified, pre-underwrote and processed loan applications fully reviewing all supporting documentation prior to submission for formal approval.

Performed daily pipeline management, collateral, and document review to ensure compliance within loan programs, Federal and State regulations/guidelines.

Upon Loan approval ensured the closing requirements were met.

High success rate of clears and closing meeting company goals.

Prepared and released commitment letters and disclosures and authorized clear to close prior to scheduling closing date.

Effectively maintained a high level of communication with management, team members, 3rd parties and clients to the loan transaction to ensure transparency and up to date. Mr. Cooper FKA Nationstar Mortgage

Sr. Conventional Mortgage Processor 10/2020 – 03/2021

Provided quality loan setup and processing by adhering to underwriting standards and ensuring completeness of file.

Liaison role included communicating needs of the file with clients and additional parties to the transaction to effectively close loans.

Conducted thorough verifications of all data including but not limited to verifications of income, work history, financials (assets and liabilities, credit, appraisal, title.

• Completed systems fraud checks via Fraud Guard, Credit, FHA, and SAM.gov.

BIO – Energetic and highly motivated

with 20+ years’ experience in the

mortgage industry; specializing in the

review, processing and approval of

Reverse, FHA, and Conventional

Mortgages. Focused on the

implementation of effective

operations strategies at local and

national levels. My biggest strength is

my business awareness which enables

me to permanently streamline

infrastructure and processes.

Skills

Professionalism and strong

work ethic

Leadership

Self-Management

Positive attitude

Critical thinking and problem

solving

Oral and written

communication

Teamwork and Collaboration

Willingness to both learn and

teach

Bilingual (ENG/Spanish)

Software

G-Suite – Google Calendar,

Docs, Drive, Forms, Gmail

Email – Gmail and Outlook

I work – iCloud, Keynote,

numbers, pages

Microsoft Office 365 – Excel,

OneDrive, OneNote,

PowerPoint, Share Point,

Word

Operating Systems -Microsoft

Windows

Web Browsers – Chrome,

Firefox, Safari

Collaboration Programs –

Dropbox, Skype, Slack,

Rossiny J Caceres

Sr. Mortgage Processor

m. 845-***-****

e. adrxg3@r.postjobfree.com

Prepared and released commitment letters and disclosures and authorized clear to close prior to scheduling closing date.

Promontory Fulfillment Services

Senior Conventional Loan Processor 09/2018 – 04/2020

• Responsible for maintaining the conventional lending channels by ensuring excellent pipeline management and multi-tasking required to execute daily /monthly/yearly goals.

• Performed credit analysis on borrowers based on information furnished; income and employment history, financial standing, assets, public records, credit reports to name a few.

• Determined borrower’s worthiness and ability to pay by utilizing lender and industry calculations while adhering to state, federal and municipal guidelines.

• Discussed necessary documentation required to move compliant loans forward for approval and closing.

• Responsible for the ordering, review and submission of collateral documents such as appraisal, title, home-owners insurance, payoffs etc.

Reverse Mortgage Funding LLC.

Reverse Mortgage Loan Analyst II 06/2015 – 08/2018

• Responsible for ensuring loans / collateral met FHA HUD/ RMF established policies, regulatory requirements, and loan terms.

• Performed physical review and evaluation of files to ensure credit worthiness.

• Proficient in the review and understanding of appraisal, title, credit, income, and asset documents.

• Ensured the data integrity of the loan file prior to setting up closing.

• Maintained open and transparent communication with all parties to the loan ensuring deadlines were met and delays avoided.

• Met operations daily and monthly goals surpassing requirements and winning employee on the month on many occasions.

Nationwide Equities Corp.

Reverse Mortgage Processor 08/2014 – 5/2015

• Maintained a high-quality pipeline by ensuring company, state and federal guidelines are met and upheld.

• Proficient in title and appraisal review; ensuring both reflect eligible collateral.

• Performed due diligence testing and fraud prevention.

• Retrieved and Verified borrowers’ qualification by the review and calculation of income and assets including but not limited to (paystubs, personal and business, tax returns -all schedules, P&L, bank statements, pension / retirement accounts etc.).

• Ensure company service levels were maintained.

Liberty Home Equity Solutions FKA Genworth Financial Reverse Mortgage Loan Analyst II 08/2012 – 12/2/2013

• Verified clientele’s qualifications by reviewing credit report, bank and mortgage statements, income and employment documents in addition to public record searches and title exams reviews.

• Thoroughly reviewed collateral’s appraisal to ensure property was qualified to undergo a reverse mortgage.

• Reviewed all legal and title docs pertaining to collateral to verify correct ownership / vesting.

• Ensured all Respa, FHA and company disclosures where completed.

• Coordinated Closing between borrowers, sellers, attorneys, closing agents and sales.

• Oversaw to the finalization of the process by ensuring loan was in order after the fact and funded on time. MetLife Home Loans

Reverse Mortgage Retail Processor 08/2009 - 7/31/2012

• Processed FHA / Fannie Mae Reverse Mortgage Loans overseeing the funding and securitization of same loans by the secondary market.

• Evaluated risk and maintained industry standard of the process flow; by adhering to regulations and procedures as established by MetLife Home Loans, FHA / HUD and investors.

• Credit review, creation, and disbursement of disclosures

• Review of title requirements, exceptions, and other information obtained to better ensure document meets State, Municipality, FHA, Fannie Mae, Lender, and investor guidelines prior to submission of loan to DE Underwriter for formal approval.

Contact this candidate