Pamela Black

*** **** ****** *********, ** *****

adss8s@r.postjobfree.com

925-***-****

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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