Richard Stevens
Toms River, NJ *****
***********@*****.***
Results driven dependable professional committed to performance at a high level of excellence.Superior analytical, problem solving, and decision making capabilities Knowledge of Encompass and Byte systems. Well organized, detail oriented and an accomplished leader who performs strongly in both a team environment and individually. Excellent rapport building ability with strong written, verbal and interpersonal skills.
Work Experience
Senior Loan Processor / Mortgage Loan Originator
Bank of England / LOAN BUD
February 2020 to Present
Maintain open line of communication with borrower(s), management and Loan officers throughout the entire loan process assisting with questions, concerns and notifying all concerned with additional requirements and/or conditions.
Perform initial review of submitted loans including review of all sections of the 1003 and notify all parties of documents needed to submit to underwriting department. Manage a pipeline of open loans from set up to closing. Provide leadership by training staff members improve their knowledge, skill and job proficiency. Provide guidance in the handling of difficult or complex problems. Provide coverage for other loan processors. Responsible for obtaining SSA, Tax transcripts, Fraud, Credit supplements, Payoffs, WVOE’s, Flood cert, Credit Lox’s, Appraisals, Title, DU/LP/AUS and FHA case number, Caivrs and address validation.
Review documentation for omissions, discrepancies, and inaccuracies and promptly notify loan participants.
Proficient in processing CONV., FHA, SBA BOLT LOANS, NON-QM BANK STATEMENT (DSCR). Senior Loan Processor, Loan Officer Assistant
August 2018 to February 2020
Advisors Mortgage Group
Gennext Funding - Senior Loan Processor, Loan officer assistant MDE Home Loans- Senior Loan Processor, Loan officer assistant Branch Coordinator
MLB Residential Lending
December 2015 to August 2018
# Disclose Initial loan estimate and initial disclosure package while adhering to TRID
# Work closely with Loan officers, borrowers and Third party vendors to ensure timely and controlled experience throughout the entire mortgage process.
# Responsible for obtaining SSA, Tax transcripts, Fraud, Credit supplements, Payoffs, WVOE’s, Flood cert, Credit Lox’s, Appraisals, Title, running DU and FHA case number, Caivrs and address validation.
# Promoted to Branch Coordinator – monitored and ensured that entire pipeline was progressing in a timely manner. Coordinated and conducted training for branches to comply with updated policies and procedures. Coordinated and conducted training for any and all Encompass rollouts. Responsible for On – boarding new branches by coordinating with IT, Compliance, Accounting and Human resources to ensure a smooth transition to MLB Residential Lending.
Associate Director – Operations
BEAR STEARNS/JPMORGAN CHASE - NMLS 927645
Certifications and Licenses
MLO