Loan Specialist Customer Service
Resume:
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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