Loan Processor Mortgage Underwriter

Ai-Van “Kathy” Vo

Arlington, TX ***** 817-***-**** **.*****@*****.***

EXPERIENCED MORTGAGE LOAN PROCESSOR

Accomplished mortgage loan processor experienced in supporting all aspects of lending, leveraging broad range of financial expertise and extensive senior-level mortgage and consumer lending experience.

■ STRATEGIC PLANNER able to align resources and products/services to meet the needs of customers in the current market by defining corporate goals, improving process workflows, and enhancing product offerings.

■ INFLUENTIAL COMMUNICATOR adept at improving overall cohesiveness and productivity and effectively collaborating with all levels of an organization.

■ CLIENT-FOCUSED with a track record of improving client satisfaction and revenue growth in the lending environment. Implement consultative sales and service strategies that enhance client relationships and expand revenue opportunities.

■ CREATIVE and passionate about analyzing and resolving issues, enhancing effective loan structures, solution-based sales approaches, and risk-based lending models. CORE COMPETENCIES

Loan & Contract Processing Client Relations & Retention Data Analysis Risk Analysis & Management Regulatory Compliance Time Management PROFESSIONAL EXPERIENCE

CALIBER HOME LOANS, Coppell, TX Sept 2020 - Sept 2022 Mortgage Loan Processor

● Process loans from set-up to closing by verifying, compiling and entering borrower information into loan processing systems.

● Evaluate loan application files to verify that all data is complete and meets standards, including the loan type and purpose, borrower assets, liabilities, and employment.

● Verify and analyze loan documentation including income, tax returns, credit, appraisal, and title, while maintaining strict compliance with all applicable federal and state regulations.

● Processed and funded 75% of pipeline with average cycle time of 35 days and ranking in the top 20%. NATIONSTAR, Irving, TX Jul 2015 – Sept 2020

Mortgage Loan Processor

● Proficient with Encompass.

● Processed and funded 60% of pipeline with average cycle time of 35 days and top 25% quality rating. BANK OF AMERICA, Fort Worth, TX May 2012 – Jul 2015 Modification Mortgage Underwriter, Fannie Mae, Freddie Mac, FHA

● Employed knowledge of industry requirements and standards to underwrite residential loans, ensuring strict compliance with company and investor guidelines.

● Reviewed and analyzed loan documents for accuracy and completeness, including financial documents, credit reports, tax returns and all documentation required throughout the underwriting process.

● Accurately calculated income, debt and applicable ratios with keen attention to detail.

● Consistently entrusted to assist team leaders with urgent and special projects such as escalated files.

● Exceeded company’s requirements in both quality and production with 99% quality rating.

● Global Recognition; Silver Award - acknowledges a higher level effort, impact or results including exceeding expectations or goals and being proactive; typically viewed as a role model. GM FINANCIAL, Arlington, TX Jan 2011 – May 2012

Funding Specialist II

● Analyzed loan contract documents for completeness and compliance with state and federal laws.

● Researched and investigated discrepancies and red flags and responded appropriately.

● Calculated income, debt and applicable ratios with keen attention to detail.

● Provided leadership and training to new hires on policies and procedures, conducting quality reviews.

● Processed an average of 170 funded contracts monthly and achieved over 99% quality rating. EDUCATION

Bachelor of Science, Biology, University of Texas at Arlington, Graduated Cum Laude Honors, 2010