Loan Processor Data Entry
Resume:
Pamela Black
*** **** ****** *********, ** *****
***********@*****.***
Summary
I have worked in the mortgage industry for twenty-eight years of workable knowledge and experience gathering information for the loan application. I have evaluated credit histories, collected data from clients such as their assets, income, debts and employment status to complete the loan application. I have researched and updated information on applications for clients. I am a Team Leader experienced in Retail, Wholesale, Operations, Processing, Disclosing, Auditing and Underwriting. Very Knowledgeable with Conventional, FHA, VA, ARM and Jumbo products and so much more. I have recently crossed trained on Consumer Auto Loans.
EXPERIENCE
Aston Carter/Chevron Federal CU, Concord, CA July 2022 – Present
Vehicle Titling Specialist
Call Dealerships, Lenders, DMV offices, State and County agencies to check Title status
Process Paid Loan Report
Prepare UCC filings
Release Title when loan is Paid in Full
Flagstar Bank, FSB Dublin, CA Apr 2019- Apr 2022
Disclosure Specialist-Team Lead
Prepared Initial Disclosures within 3 days of TRID application date.
Reviewed Dashboards daily to confirm all disclosures have been disclosed to meet TRID timing
Validated Disclosures, acknowledged loan information and sent hard copy in compliance with regulations
Run Mavent Preview Compliance Reports, Flood Certs and USPS
Gathered information for the loan application
Evaluated credit histories for applications
Collected data from clients such as their assets, salaries, debts and employment status to fill in information for the loan application
Researched and correcting mistakes in applications for clients
Reviewed file documentation for missing or erroneous information
Met loan application deadlines
Assisted Loan Officer with requests and tasks needed to complete and process applications
Ordered all necessary verifications and documents once the NOI is received
Communicated with originators, secondary marketing and processing regarding any pricing and data entry discrepancies within loan operating system (Encompass)
Maintained a thorough knowledge of Bank products, services, policies, procedures and appropriate regulatory issues as related to daily job functions including, but not limited to the following: Bank Secrecy Act; Privacy Act: Fair Lending Act; Regulation Z, etc.
Made referrals to the Mortgage Center and Wealth Management
Performed other duties as assigned
Argus-Lending, Pleasant Hill, CA Mar 2018 – Mar 2019
Disclosure Specialist
Prepared Initial Disclosures within 3 days of TRID application date.
Reviewed Dashboards daily to confirm all disclosures have been disclosed to meet TRID timing.
Validated Disclosures and acknowledged loans and sent hard copy in compliance with regulations.
Run Mavent Preview Compliance Reports, Flood Certs and USPS.
Ordered all necessary verifications and documents once the NOI received.
Communicated with originators, secondary marketing and processing regarding any pricing and data entry discrepancies within loan operating system (Encompass).
Maintained a thorough knowledge of Bank products, services, policies, procedures and appropriate regulatory issues as related to daily job functions including, but not limited to the following: Bank Secrecy Act; Privacy Act: Fair Lending Act; Regulation E, etc.
Participated in the bank’s High-Performance Rewards Connections program
Made referrals to the Mortgage Center and Wealth Management.
Performed other duties as assigned.
OPES Advisors, A Division of Flagstar Bank, FSB. Dublin, CA Jan 2014 - Mar 2018
Disclosure Specialist
Prepared Initial Disclosures within 3 days of TRID application date
Reviewed Dashboards daily to confirm all disclosures have been disclosed to meet TRID timing
Validated Disclosures and acknowledged loans and sent hard copy in compliance with regulations
Run Mavent Preview Compliance Reports, Flood Certs and USPS
Ordered all necessary verifications and documents once the NOI is received
Communicated with originators, secondary marketing and processing regarding any pricing and data entry discrepancies within loan operating system (Encompass)
Maintained a thorough knowledge of Bank products, services, policies, procedures and appropriate regulatory issues as related to daily job functions including, but not limited to the following: Bank Secrecy Act; Privacy Act: Fair Lending Act; Regulation E, etc
Participated in the bank’s High-Performance Rewards Connections program
Made referrals to the Mortgage Center and Wealth Management
Performed other duties as assigned
Patelco, Pleasanton CA Nov 2013 -Jan 2014
Auditor
Diligently keep a systematic check on the company’s spending to improve organizational efficiency
Prepared balance sheets and audit statements
Prepared all documents related to finance
Conducted and attend regular meetings with senior management to share financial findings
Keep a check on processes and regulations, ensuring compliance with financial policies and regulations
Traveled to client sites for auditory reviews and assessment.
Provided a qualitative and quantitative evaluation based on empirical data findings.
Worked closely with the Director of Finance and the CFO to increase the financial efficiency of the company.
J.P. Morgan C h a s e, San Ramon, CA Nov 2009 – Nov 2013
Senior Loan Processor
Followed up on receipt of Notice of Intent to proceed
Gathered information for the loan application
Evaluated credit histories for applications
Collected data from clients such as their assets, salaries, debts and employment status to fill in information for the loan application
Researched and correcting mistakes in applications for clients
Reviewed file documentation for missing or erroneous information
Met loan application deadlines
Assisted Loan Officer with requests and tasks needed to complete and process applications
National City Mortgage, Walnut Creek, CA, Feb 2009–Aug 2009
Senior Loan Processor
Followed up on receipt of Notice of Intent to proceed
Gathered information for the loan application
Evaluated credit histories for applications
Collected data from clients such as their assets, salaries, debts and employment status to fill in information for the loan application
Researched and correcting mistakes in applications for clients
Reviewed file documentation for missing or erroneous information
Met loan application deadlines
Assisted Loan Officer with requests and tasks needed to complete and process applications
Federal H o m e Loan Bank, San Francisco, C A, Oct 2008 - Jan 2009
Loan Auditor
Securitized mortgage loans for delivery to investors on the secondary market
Reviewed available loans prior to loan delivery and communicate discovered defects to other Worked closely with outside document custodians to ensure timely loan document certification
Cross-reference available mortgage documents to correct data...
Followed up on receipt of Notice of Intent to proceed
DHI Mortgage Company, Concord, C A, Aug 2008- Oct 2008
Senior Loan Processor
Gathered information for the loan application
Evaluated credit histories for applications
Collected data from clients such as their assets, salaries, debts and employment status to fill in information for the loan application
Researched and correcting mistakes in applications for clients
Reviewed file documentation for missing or erroneous information
Met loan application deadlines
Assisted Loan Officer with requests and tasks needed to complete and process applications
Followed up on receipt of Notice of Intent to proceed
CTX Mortgage Company, San Ramon, CA, Oct 2007- May 2008
Senior Loan Processor
Gathered information for the loan application
Evaluated credit histories for applications
Collected data from clients such as their assets, salaries, debts and employment status to fill in information for the loan application
Researched and correcting mistakes in applications for clients
Reviewed file documentation for missing or erroneous information
Met loan application deadlines
Assisted Loan Officer with requests and tasks needed to complete and process applications
Followed up on receipt of Notice of Intent to proceed
Countrywide Home Loans, Livermore CA, Feb 2007-Sept 2007
Loan Specialist 11
Gathered information for the loan application
Evaluated credit histories for applications
Collected data from clients such as their assets, salaries, debts and employment status to fill in information for the loan application
Researched and correcting mistakes in applications for clients
Reviewed file documentation for missing or erroneous information
Meeting loan application deadlines
Assisted Loan Officer with requests and tasks needed to complete and process applications
Followed up on receipt of Notice of Intent to proceed
CTX Mortgage Company, San Ramon, CA Nov 2001- Mar 2007
Senior Loan Processor
Gathered information for the loan application
Evaluated credit histories for applications
Collected data from clients such as their assets, salaries, debts and employment status to fill in information for the loan application
Researched and correcting mistakes in applications for clients
Reviewed file documentation for missing or erroneous information
Meeting loan application deadlines
Followed up on receipt of Notice of intent to proceed
Assisted Loan Officer with requests and tasks needed to complete and process applications
Builders M o r t g a g e Alliance, Danville, CA Dec 1 9 9 9 - Nov 2001
Senior Loan Processor
Gathered information for the loan application
Evaluated credit histories for applications
Collected data from clients such as their assets, salaries, debts and employment status to fill in information for the loan application
Researched and correcting mistakes in applications for clients
Reviewed file documentation for missing or erroneous information
Meeting loan application deadlines
Followed up on receipt of Notice of intent to proceed
Assisted Loan Officer with requests and tasks needed to complete and process applications
Golden H o m e Mortgage Company, Concord, C A Dec 1998 -Nov 1999
Loan Processor
Gathered information for the loan application
Evaluated credit histories for applications
Collected data from clients such as their assets, salaries, debts and employment status to fill in information for the loan application
Researched and correcting mistakes in applications for clients
Reviewed file documentation for missing or erroneous information
Meeting loan application deadlines
Followed up on receipt of Notice of intent to proceed
Assisted Loan Officer with requests and tasks needed to complete and process application
First Consumers Mortgage Company, Walnut Creek, CA Mar 1997-Dec 1 9 9 8
Junior U n d e r w r i t e r
Analyzed applicants' data
Assessed applicants' risk
Operated underwriting software
Evaluated software-based recommendations
Researched applicants as necessary
Decided whether or not to offer insurance
Determined coverage and premiums
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