*** ********** ****

Bay Point, CA *****

925-***-****

ads6aj@r.postjobfree.com

Janet M. Romero

Goal-Oriented professional with experience in Mortgage Loan Processing and Management. Highly motivated, with proven ability to work collaboratively in a strong team environment, while contributing independently as well. Focused, versatile dependable and multi-task oriented, able to deal courteously, professionally and tactfully with general public in a wide variety of circumstances SKILLS

● Mortgage Loan Processing

● Problem Solving

● Leaderships

● Organizational Skills

● Communication Skills/Customer Services

● Managing Team

● Bilingual- Spanish/English

● Mortgage Documents Analysis

● Underwriting

EXPERIENCE

03/2021-06/2022- Underwriter/Non-QM Underwriter/Sr. Loan Processor. Nationwide Mortgage Bankers, Inc

Underwrite Conventional Loans, Non-QM Loans from beginning to end- also processed FHA Loans, VA Loans, Conventional Loans, Jumbo Loans and Non-QM Loans from beginning to end.

● Review Fannie Mae and Freddie Mac guidelines

● Record loan denials and specific basis for declining applications

● Responsible to underwriter and recommending loans for approval on all residential properties. Including authorizing terms and conditions of residential commitment letters, conducting thorough credit investigations.

● Obtaining and validating credit information, Income confirmation and down payments Review Investor Approvals

● Review of loan files for completeness and accuracy, analyzing credit documents, including, but not limited to, mortgage applications, credit history, income documents, title documents, appraisals and all applicable compliance documents evaluated debt ratio, LTV ratios, credit score, property valuation and various other

● Work closely with Mortgage Bankers, loan processors, Closers, Funders and Loan officers

● All Processing Tasks

09/2019-03/2021- Sr. Loan Processor, Nationwide Mortgage Bankers, Inc Process FHA Loans, VA Loans, Second Loans, Jumbo Loans, Conventional Loans, CalHFALoans and Bond Loans from beginning to end

● Managed a pipeline of 20-30 loans, ensuring loans closed in a timely manner Analyzed: Credit, Income, Assets, Title Reports, Appraisal Reports, Purchase Contracts, Termite Reports/Clearance

● Submitted loans to underwriting department for review

● Communicate decisions to the Branch and Customers

● Submit files to closing

● Work closely with Mortgage Bankers, Underwriters, Closers, Funders and Realtors Review of Edge Reports to ensure CDs, get delivered to customers on a timely-manner and to ensure locks don’t expire 03/2019 – 09/2019- Collateral Analysts, Flexible funding LLC

● Verity AR (aging) conduct direct verifications, follow up on past due invoices and ensure accounts are below 30, 60 and 90 days past due

● Conduct Direct Verifications, Verify Invoices

● Review of Service Agreements and Worker’s Comps Insurances

● Cash Management- Post payments on system (M3)

● Follow up with borrowers/debtors on past due invoices

● Update System (M3) with all the debtor’s inform

09/2016 – 09/2018- Sr. Loan Processor- Trancission Team, CrossCountry Mortgage, Inc

Process FHA Loans, VA Loans, Second Loans, Jumbo Loans, Conventional Loans, CalHFALoans and Bond Loans from beginning to end

● Managed a pipeline of 20-30 loans, ensuring loans closed in a timely manner Re-Disclosures of LE and CD process to every loan to ensure the loan complies Analyzed: Credit, Income, Assets, Title Reports, Appraisal Reports, Purchase Contracts, Termite Reports/Clearance

● Submitted loans to underwriting department for review

● Communicate decisions to the Branch and Customers

● Submit files to closing

● Work closely with Mortgage Bankers, Underwriters, Closers, Funders and Realtors

● Review of Edge Reports to ensure CDs, get delivered to customers on a timely- manner and to ensure locks don’t expire

04/2014 – 09/2016- Loan Processor III, Homestreet Bank Process FHA Loans, VA Loans, Second Loans, Jumbo Loans, Conventional Loans, CalHFA Loans and Bond Loans from beginning to end

● Managed a pipeline between 20-45 loans, ensuring loans closed in a timely manner Re-Disclosures of LE and CD process to every loan, to ensure the loan complies Analyzed: Credit, Income, Assets, Title Reports, Appraisal Reports, Purchase Contracts, Termite Reports/Clearance

● Submitted loans to underwriting department for review

● Work closely with Mortgage Bankers, Underwriters, Closers, Funders and Realtors

● Issue Approval Letters to Mortgage Bankers and Borrowers

● Maintained a 98% average on Critical Errors (Quality Review) 10/2009 – 11/2013- Loan Processor/OPS Team Manager, JPMorgan Chase Bank Process FHA Loans, VA Loans, Second Loans, Jumbo Loans, Conventional Loans, CalHFA Loans and Bond Loans from beginning to end. Interacted with Site Team Manager, Senior Team Managers and Team UW Supervisors

● Managed a pipeline up to 60 loans

● Analyzed: HUDs, Title Reports, Property Taxes, HOIs, Appraisal Reports, VOEs and customer documents

● Submitted loans to underwriting for review

● Communicated underwriters’ decisions to customers while presenting alternate options, if necessary

● Managed pipelines to ensure loans closes in a timely manner

● Worked closely with Mortgage Bankers, Underwriters, Closers, Funders and Customers

● Maintained a 0% Critical Errors (Quality Review)

● Maintained a 0% Reg B Violations

● Maintained 100% Customer Satisfaction

● Promoted to Operations Team Manager in less than a year

● Managed pipelines up to 250 loans, Conventional, VA, FHA Purchases and Refinances

● Managed Team/trained new employees in Chase Policies

● Streamlined procedure for Mortgage Processing to Closing

● Analyzed Pipeline Reports, Reg B Reports, PPM Reports, RAG Reports, QA Reports, COTS Reports, Medallia Reports and CFM Reports daily

● Provide customer service to customer, Mortgage Bankers, Lending Managers

● Organize and lead daily “Team Meetings” to inform and motivate team members

● High Customer Satisfaction Scores

● Maintain high phone compliance ratings

● Maintain high quality assurance rate

● Built successful relationship with my Sales Partners to create a winning environment

● Maintain strong Partnership between Sales and Operations 1/2001 – 08/2009- Sr. Loan Processor. Landhome Financial Services Inc Process FHA Loans, VA Loans, Second Loans, Jumbo Loans, Conventional Loans, CalHFA Loans and Bond Loans from beginning to end

● Managed pipeline up to 45 loans, ensuring loans closed in a timely manner

● Analyzed: HUDs, Title Reports, Property Taxes, HOIs, Appraisal Reports, VOEs, VOD’s, Termite Reports/Clearance, Roof Reports

● Analyzed: Credit Reports, Income/Assets Documentation

● Pre-Qualified customers to best products/rates

● Submitted loans to underwriting for review

● Dealt with dealerships to obtain bids on Construction Loans

● Communicated underwriter’s decision to customers along with alternate options

● Requested final loan documents to be delivered to title companies

● Managed pipelines to ensure loans close in a timely manner EDUCATION

SIERRA NEVADA JOB CORPS, RENO NV

● Business

DIABLO VALLEY COLLEGE, CONCORD CA

● Business- Attended Classes

PROFICIENT USING

CLOSR, PC Lender, Encompass, Microsoft Word, Excel, Internet Explorer, Loan Prospector (LP), Desktop Underwriting (DU), Zippy Plus, Chase File Manager, Calyx Point, All Regs, USDA/Gus, O ce 365, Edge

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