NORMA CHAVEZ

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

STOCKTON, CA 95219

209-***-**** CELL

SUMMARY:

• Strong organizational, planning and problem solving skills

• Excellent oral and written communication skills

• Fast learner and always willing to take new challenges

• Excellent customer service skills

• Team player, committed and responsible

EMPLOYMENT HISTORY

PLATINUM HOME MORTGAGE

LOAN PROCESSOR

May 2018- November 2021

• Processed and pre-underwrote Conventional/FHA/CalHFA Bond/GAP/Purchase and Refinance loans

• Performed complex credit analysis and credit approval for newly originated loans.

• Calculated ratios/debts/funds to close.

• Reviewed applications for completeness including purchase contract, escrow

Instructions, income documents, assets/liabilities, evaluated and reviewed appraisal

reports.

• Followed up on conditions with borrower(s)

• Prepared file(s) for final loan documents

• Reviewed Settlement Statements for accuracy

• Communicated with Customers, Management and outside vendors verbally and in

writing.

STEARNS LENDING

Sept 2014 to May 2018

• Processed and pre-underwrote Conventional/FHA/CalHFA Bond/Purchase and Refinance loans

• Performed complex credit analysis and credit approval for newly originated loans.

• Calculated ratios/debts/funds to close.

• Reviewed Applications for completeness including purchase contract, escrow

instructions, income documents, assets/liabilities, evaluated and reviewed appraisal

reports.

• Communicated with Customers, Management and outside vendors verbally and in

writing.

MASON MCDUFFIE

Oct 2013 to July 2014

• Processed and pre-underwrote Conventional/FHA/CalHFA Bond/Purchase and Refinance loans

• Performed complex credit analysis and credit approval for newly originated loans.

• Calculated ratios/debts/funds to close.

• Reviewed Applications for completeness including purchase contract, escrow

instructions, income documents, assets/liabilities, evaluated and reviewed appraisal

reports.

• Communicated with Customers, Management and outside vendors verbally and in

writing.

SUMMIT FUNDING

HOME LOAN SPECIALIST

June 2012 to December 2012

• Processed and pre-underwrote Conventional/FHA/CalHFA Bond/Purchase and Refinance loans

• Performed complex credit analysis and credit approval for newly originated loans.

• Calculated ratios/debts/funds to close.

• Reviewed Applications for completeness including purchase contract, escrow

instructions, income documents, assets/liabilities, evaluated and reviewed appraisal reports.

• Communicated with Customers, Management and outside vendors verbally and in

writing.

WELLS FARGO BANK

HOME LOAN SPECIALIST

November 2011 to June 2012

• Processed and pre-underwrote Conventional/Bond CalHFA/FHA Purchase and Refinance loans

• Performed complex credit analysis and credit approval for newly originated loans

• Calculated ratios/debts/funds to close.

• Reviewed Applications for completeness including purchase contract, escrow instructions, income documents, assets/liabilities, evaluated and reviewed appraisal reports.

• Communicated with Customers, Management and outside vendors verbally and in writing.

COUNTRYWIDE HOME LOANS/ BANK OF AMERICA

BRANCH OPERATIONS MANAGER/UNDERWRITER/

LOAN SPECIALIST

July 2000 – September 23, 2011

• Oversee the daily branch operations and the day-to-day activities of the Loan Specialists.

• Served as Branch Manager in his/her absence.

• Assisted with the processing, underwriting and supervision of processing and closing activities for loans in the pipeline for Stockton/Tracy and Valley Springs.

• Managed Operations goals and Loan Specialist(s) workload including planning, monitoring work results, productivity and quality; prepare schedules and approved work hours.

• Completed annual reviews and disciplinary actions for branch employees.

• Pre-qualified potential loan applicants and underwrite loans in the pipeline.

• Provided guidance, training and assistance to branch personnel.

• Provided Pre-application services and obtained pertinent credit documentation.

• Conducted credit analysis.

• Reviewed documentation submitted by the Loan Specialist(s) for approval.

• Reviewed closing documents and shipped files to Corporate in accordance with time frames, legal requirements and policies and procedures.

• Supported the timely introduction and successful administration of new products, product line extensions and marketing initiatives.

• Coordinated the resolution of deficiencies, Quality Control issues and any other post-closing issues.

• Participated in the development and implementation of the branch new business development plan.

• Processed Conventional and FHA loans, calculated income for qualifying, reviewed assets, title reports and appraisal reports.

COUNTRYWIDE HOME LOANS

LOAN SPECIALIST

5/98 TO 6/2000

• Processed Conventional/Helco/FHA & Bond loans Refinance & Purchase loans

• Performed complex credit analysis and credit approval for newly originated loans.

• Calculated ratios/debts/funds to close.

• Reviewed Applications for completeness including purchase contract, escrow instructions, income documents, assets/liabilities, evaluated and reviewed appraisal reports.

WASHINGTON MUTUAL

LOAN SPECIALIST

4/1997 – 5/1998

• Processed Conventional loans (refinance & purchase).

• Calculated ratios/debts/funds to close.

• Reviewed Applications for completeness including purchase contract, escrow instructions, income documents, assets/liabilities, evaluated and reviewed appraisal reports.

STOCKTON SAVINGS

LOAN SPECIALIST

• 6/1996 – 3/1997

• Processed Equity Credit Lines and Personal loans.

• Calculated ratios/debts/funds to close.

• Reviewed applications for completeness including income documentation/assets/liabilities and evaluated and reviewed appraisal reports.

AMERICAN SAVINGS BANK

LOAN SPECIALIST

1/1986 – 3/1995

• Processed Conventional loans (refinance and Purchase).

• Calculated ratios/debts/funds to close.

• Performed complex credit analysis, reviewed applications for completeness including purchase contract, income documentation/assets/liabilities and evaluated and reviewed appraisal reports.

COMPUTER LITERACY:

Microsoft Office, Power Point, Word Processing, Excel

BILINGUAL: Spanish

REFERENCES AVAILABLE UPON REQUEST

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