Customer Service Loan Coordinator

Ryan Takenishi

**** ******* *****, *** ****, CA *5120 ■ 408-***-**** ■ **********@*****.***

Document analysis Loan application management

Excellent Customer Service Problem-solving

Underwriting support Analyze financial histories

Create and manage Encompass system

loans

Loan Advisor Assistant, 03/2021 to 04/2022

Flagstar Bank – San Jose, CA

Assist Chairman's Club Member Loan Advisor with creating and updating Encompass system loan applications for Purchase, Preapproval, and Refinance loan applications, for Residential, Commercial, Construction, and HELOC applicants. Utilized DU/LP and Guidelines to generate supporting Income, Asset, and Credit documents lists, for Borrowers to provide.

Obtained personal and financial data with thorough document reviews and direct interviews of the loan's applicants.

Recommended approval or disapproval loan potential after gathering complete initial credit document packages.

Compiled the complete credit and financial statements for each applicant as part of the application processes. Interacted with applicants to obtain information for loan applications and answer questions about process.

Ordered Appraisals, Credit Reports, HOA documents, Escrow documents, Subordination packages, by working effectively with Third Party vendors. Provided Excellent Customer Service through effective communications to our Borrowers, Realtors, Title Companies, Affiliated Third Parties, and internal Associates. Reviewed final payoffs and final figures with Borrowers/Loan Advisor, before proceeding with doc draw.

Mortgage Loan Coordinator, 05/2009 to 03/2021

Bank of America Consumer Lending – San Jose, CA

Skills

Experience

Provided home loan support to Pinnacle Club Loan Officers, and additional Branch level support to multiple non-Club Loan Officers, while contributing to the success of my Home Loans Branch. Took applications and collected income and asset documentation to enable underwriting and prompt loan decisions.

Resolved customer complaints through research and investigation. Monitored pipeline by communicating with underwriters and processors. Gained knowledge of products and programs offered to educate clients about various product solutions.

Assisted clients through loan application process cycle through closing. Complied with company quality standards and applicable regulations governing financing. Met with clients to complete application documentation, answer their questions and resolve any concerns or complaints.

Carefully reviewed account and credit records to determine the risk level associated with each applicant.

Compiled the complete credit and financial statements for each applicant as part of the loan Audited loan files to help maintain Bank Compliance with Federal rules and regulations. Reviewed final payoffs, funding figures, and final loan payment info, with Borrowers and Loan Officers, before Funding Department drew loan docs to sign. Bachelor of Science: Hospitality, Recreation, Tourism Management, May 2009 San Jose State University - San Jose, CA

Dean's Scholar Graduate

Education