Loan Processor Customer Service
Resume:
ALICIA PRUETT
CONTACT
*********@*****.***
Thornton, CO 80241
ABOUT
Goal-oriented professional with extensive experience in underwriting, processing and managing operations for residential purchase and refinance loans. Proven ability to function in changing environments, and interact effectively with all levels of staff, customers, and third parties. CORE QUALIFICATIONS
Extensive knowledge in Conventional, FHA, VA, CHFA & USDA guidelines & manual underwrite. DU/LP findings, jumbo loans, Fannie Mae Freddie Mac, FHA, USDA Effective communication skills.
Creative problem solving skills.
Detail oriented and deadline sensitive
Works well in high pressure environments.
Stellar customer service skills.
EXPERIENCE
DE UNDERWRITER
American Financing Corp August 2020-August 2022
-Underwriting of FHA, Conventional and Jumbo purchase and refinances
-Ultimately responsible for making credit risk decisions based on underwriting judgment, the application of underwriting guidelines and principles, and the thorough analysis of complex loan documentation; including appraisal reports, compliance inspections, credit reports, verifications, bank statements, tax returns and financial statements.
-Ultimately responsible for evaluating the credit worthiness of loan applicants and the value and marketability of the subject property. Insure loans meet all bank, investor, federal, state and local policies, guidelines and regulations.
-Responsible to stay current on all changes and updates to policies and guidelines; evaluates, analyzes and communicates applicable changes and updates to production staff when necessary. Actively participates in underwriting and market team meetings.
-Responsible for communicating decision approval, suspense, denials on loans to appropriate parties both verbally and in writing.
-Responsible to perform other functions and assist with audits and other requests.
-Responsible for meeting and/or exceeding production goals while maintaining quality requirements.
UNDERWRITER
Premier Members Credit Union May 2019-July 2020
OPERATIONS MANAGER/UNDERWRITER
Finance of America Mortgage LLC Feb. 2017 – May 2019
-Interact with/support Branch Manager & Sales Manager in reaching company/branch goals and objectives.
-Responsible for overseeing day to day operations of support staff including: transactions coordinators, processors, closers and admin personnel.
-Responsible for support staff initial training, process flow and on-going knowledge of changes to corporate policy & procedures.
-Responsible for underwriting Conventional loans to keep up-to-date with credit, income and appraisals as well as up-to-date on all guidelines.
-Responsible for Underwriting and maintaining a pipeline of my own. (~15-20 files)
-Ultimately responsible for production management including guideline updates, pipeline management, file compliance, meeting agendas, department meetings, management reports and rush requests.
-Monitor timelines from origination to closing to ensure all deadlines are met, maintained and accurately disclosed/acknowledged.
-Liaison between Underwriting, Loan Officers and Processors. Work with Underwriting on escalations, exceptions, rushes and meeting conditions to complete a file.
-Human resource responsibilities including on-boarding, new employee paperwork, annual reviews, performance reviews, payroll management, time off requests, OT approval, hiring, promotions, terminations, interviewing new candidates, disciplinary action, resolving employee complaints, policy and procedure implementation and all other various duties involving Human Resources.
SENIOR MORTGAGE LOAN PROCESSOR/JR UNDERWRITER
American Financing Corporation Jul 2010 - Nov 2016
-Independently closed 30-40 loans per month while maintaining an average of 60 loans in my individual pipeline.
-Effective communication with borrowers which include obtaining items needed, scheduling closings, answering questions/concerns.
-Effective communication with loan officers, underwriters, closers, title companies, real estate agents and third parties.
-Ordering all documents needed for loan approval process including titles, payoffs, mortgage history, flood certifications, employment verification, rental history, credit reports and appraisals.
-Reviews all documents and provides conditions for loan approval for underwriting guidelines.
-Researches, verifies and resolves any discrepancies such as credit disputes, mortgage lates, employment history, bankruptcy etc.
-Ensure compliance with company policies, underwriting guidelines and lending program requirements.
-Managing of locking the loans with various banks
-Sending out final CD’s to borrower which include reviewing and updating all final numbers: closing costs and pre-paids.
-Review conditions for accuracy and clear accordingly, or MI certs for UW’s, initial review of credit worthiness and accurateness of all processing files before being submitted to UW’ing. JUNIOR MORTGAGE LOAN PROCESSOR
Lenderlive Jan 2007 - Apr 2010
EDUCATION
ASSOCIATE OF BUSINESS
2001-2003
University of Colorado
Denver, CO
State of Colorado Notary
Expires 07/2026
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