MARTHA E. KURAICA
Mesa, Arizona 85208
*************@*******.***
PROFESSIONAL PROFILE
Highly self-motivated and goal-oriented professional committed to pursuing a long-term career in the mortgage industry. Passionate about quality and meeting deadlines. Record of improving efficiency and productivity. Experience in the mortgage business for more than 15 years, working different markets and demonstrating strong analytical and problem-solving skills.
SKILLS
●Proficient in Microsoft Access Excel, Outlook, PowerPoint and Word
●Excellent communication skills
●Fluent in English and Spanish
●Multi-task oriented
●Team player
●Phone etiquette
PROFESSIONAL EXPERIENCE
July 2021 to Present – PNC (Formerly BBVA)
Feb 2020 to July 2021 - BBVA Compass Bank, Tempe, AZ. - Mortgage Loan Officer Assistant
-Reach out to customers when interested in a Purchase, refinance or Heloc loan.
-Complete application from start to finish
-Pull credit report and Pre-qualify the borrower based on the information obtained
-Collect all the necessary documents pertaining to the loan program (Paystubs, Bank Statements, Personal and or Business Tax Returns, Insurance information, etc.)
-Lock the rate and submit the loan to underwriting for initial decision
-Order third party documents like Appraisal, Title and Homeowners Insurance
-When an initial underwriter decision is issued, reach out to borrower(s) to review conditions and assist Loan Processor to collect required documents to keep the loan moving forward until it closes, and it is funded and recorded.
-Knowledge in Empower program and other related systems to complete the loan
-Assist Mortgage Loan officer in general.
2015 to Present - BBVA Compass Bank, Tempe, AZ – Mortgage Loan Processor
-Review Mortgage Loan Decisions.
- Collect documents and conditions from client, title, appraiser, credit, etc.
-Verify documents required by the underwriter and prepare the loans for Quality Audit and Final Approval.
-Able to Manage 40+ Loans.
-Always striving for meeting closing goals by units or dollars for myself and for the entire team.
-Knowledge on Cadence and all other programs or systems needed to complete the loan.
-Excellent communication with Clients, Mortgage Bankers and Underwriters.
2011 to 2015 - JP Morgan Chase Bank. Tempe, AZ – Sr. Loan Processor/CPC
-Process Files from Start to finish
-Knowledge on Closer, Zippy CFM DV and other programs.
-Direct communication with Mortgage Bankers and Borrowers
-Able to manage a pipeline of 50+ Loans
-Able to meet closing and funding goals
-Meet Crucial deadlines requested.
-Verify loan documents including income, assets, credit, appraisal and title report, ultimately preparing application for submission to underwriting.
-Review file documentation and make sure all items needed are requested.
-As a floater, helping new processors, escalating files that needed to be moved, pushing files to close and helping other teammates to make their funding goals.
2009 to 2010 - Asset Creation, LLC. Phoenix, AZ. – Loan Modification Representative/Supervisor
-Prepare pre-qualification hardship packages for mortgage loan assistance.
- Verify, compile, type and process about 40+ applications of different types of mortgage loans a week.
-Knowledge of HAMP guidelines to get clients approved for this program.
-Negotiate modifications including lowering interest rate and/or balance reductions.
-Obtain foreclosure date extensions from lenders and verify postponement with attorneys.
-Contact lenders for status updates and relay information to customers.
-Type and mail approval or denial letters to customers.
-Supervising other rep to make sure packages were submitted correctly.
2005 to 2008 - Fuerza Latina USA, LLC Phoenix, AZ - Office Manager, Loan Officer, Processor
-Meet with Clients and fill a complete mortgage loan application
-Order and review credit reports
-Prepare and structure the loan, run DU and LP to have the file pre-approved with various lenders.
-Research the best rates and lock on short term notice
-Get the file ready for the processor to submit with the lender.
-Contact Borrowers to obtain required documentation to process the loan.
-Direct communication with Loan Officers, Realtors, Title companies, Appraiser and Clients.