**** ******* ****

Jacksonville, FL *****

904-***-****

adstwe@r.postjobfree.com

Suzana Pattison

Summary of qualifications

December 2019- Present Computer Share Financial

Mortgage loan Processor

process and prepare for closing retail mortgage loans (conventional) purchase and refinance under various loan programs in accordance with policies & procedures

oreview loans on the origination system and maintain system accuracy

oissue proper disclosures as required by federal regulatory compliance

oreview rate lock and point objectives for accuracy

oensure accommodations on rates overage and underage is approved as well as waiver of any fees

oset up files and order all necessary exhibits for appraisals and credit reports

ocheck alternative documentation for accuracy and potential problems

oreview for problems upon receipt order title insurance, flood and tax certificates and surveys

oreview all documents thoroughly before submission to underwriting

oobtain and review documents for acceptability against loan conditions

owith the loan officer and or client, coordinate with buyers, sellers, title companies, escrow agents, surveyors and real estate agents to obtain additional documentation, complete loan submissions and perform closings

oprepare aggregate escrow and update all closing fees for proper delivery to closing agent

oreview fees with client during closing call prior to closing

oupdate the comments in system as needed

oreview the weekly pipeline report- with Sales Team

ohandle complex files

July 2019- October 2019 Allstate(Manpower )

Data entry/ Quality Control

Focusing on quality review of new business applications that have been scanned into the Allstate system.

Responsible for reviewing the application to ensure that all information is correct and complete, making corrections as necessary.

Insuring that policy is approved and ready to print to send to customers

July 2018 – December 2018 Lenderlive

Loan Setup Coordinator

review loans on the origination system and maintain system accuracy

oissue proper disclosures as required by federal regulatory compliance

oreview rate lock and point objectives for accuracy

oensure accommodations on rates overage and underage is approved as well as waiver of any fees

oset up files and order all necessary exhibits for appraisals and credit reports

ocheck alternative documentation for accuracy and potential problems

oreview for problems upon receipt order title insurance, flood and tax certificates and surveys

oreview all documents thoroughly before submission to underwriting

oobtain and review documents for acceptability against loan conditions

owith the loan officer and or client, coordinate with buyers, sellers, title companies, escrow agents, surveyors and real estate agents to obtain additional documentation, complete loan submissions and perform closings

oprepare aggregate escrow and update all closing fees for proper delivery to closing agent

oreview fees with client during closing call prior to closing

November 2017- April 2018 Allstate(Kelly services)

Claims Review Specialist

Focusing on quality review of new business applications that have been scanned into the Allstate system.

Responsible for reviewing the application to ensure that all information is correct and complete, making corrections as necessary.

Using research skills to utilize good problem solving skills and techniques as there are multiple product lines to work with.

Daily research and analytical skills. Decisions on approval or declination of insurance applications. This is the main function of this position.

In addition, and as needed, submitting the contract to various areas of Allstate for review for higher level approval.

November 2016 – April 2017 PNC(Contemporary Services)

Quality Assurance

This position reports to the mortgage Senior Processing team manager.

Responsibilities:

• Compiling a list of missing items to the processor/processing manager.

• Assisting the Processor in reviewing files that need to be routed to underwriting and/or closing to identify if the file has missing documents, data inconsistencies or errors.

• Tracking errors and trends

April 2014 – October 2016 Digital Risk

• process and prepare for closing retail mortgage loans (conventional) purchase and refinance under various loan programs in accordance with policies & procedures

• review loans on the origination system and maintain system accuracy

• issue proper disclosures as required by federal regulatory compliance

• review rate lock and point objectives for accuracy

• ensure accommodations on rates overage and underage is approved as well as waiver of any fees

• set up files and order all necessary exhibits for appraisals and credit reports

• check alternative documentation for accuracy and potential problems

• review for problems upon receipt order title insurance, flood and tax certificates and surveys

• review all documents thoroughly before submission to underwriting

• obtain and review documents for acceptability against loan conditions

• with the loan officer and or client, coordinate with buyers, sellers, title companies, escrow agents, surveyors and real estate agents to obtain additional documentation, complete loan submissions and perform closings

• prepare aggregate escrow and update all closing fees for proper delivery to closing agent

• review fees with client during closing call prior to closing

• update the comments in system as needed

• review the weekly pipeline report- with Sales Team

• handle complex files

April 2010-October 2013 PHH Mortgage Jacksonville

• process and prepare for closing retail mortgage loans (conventional and Portfolio (High Net Worth) purchase and refinance) under various loan programs in accordance with policies & procedures

• review loans on the origination system and maintain system accuracy

• issue proper disclosures as required by federal regulatory compliance

• review rate lock and point objectives for accuracy

• ensure accommodations on rates overage and underage is approved as well as waiver of any fees

• set up files and order all necessary exhibits for appraisals and credit reports

• check alternative documentation for accuracy and potential problems

• review for problems upon receipt order title insurance, flood and tax certificates and surveys

• review all documents thoroughly before submission to underwriting

• obtain and review documents for acceptability against loan conditions

• with the loan officer and or client, coordinate with buyers, sellers, title companies, escrow agents, surveyors and real estate agents to obtain additional documentation, complete loan submissions and perform closings

• prepare aggregate escrow and update all closing fees for proper delivery to closing agent

• review fees with client during closing call prior to closing

• update the comments in system as needed

• review the weekly pipeline report- with Sales Team

• handle complex files

January 2009-April 2010 JPMorgan Chase Tampa

Operations Senior Specialist

• Perform File Audits to quality and company standards

• Ensure loan accounts are accurately documented with relevant notes

• Tracking and Trends for assistance with process improvements as needed

• Assist with new employees on-boarding and act as a liaison to the training department

• Provide assistance to the Loss Mitigation Specialists to improve their performance of all business requirements

• Provide guidance to Loss Mitigation Specialist Specialists on policies and procedures

• Member of Process Improvement Team- Development of new policies and procedures for Early Loss Mitigation Department

July 2008- January 2009 Wachovia Bank

Mortgage Consultant in Branch

• Sells residential mortgage loans by marketing activities within Bank Branch

• Qualifies and closes loans according to bank policy and appropriate regulations

• Seeks referrals from external and internal sources

• Provides exceptional customer service from start to finish

• Excellent communication skills and presentation skills

June 2006- January 2008 Compass Bank Ocala

Mortgage Banking Officer

• Sells residential mortgage loans by marketing activities

• Qualifies and closes loans according to bank policy and appropriate regulations

• Seeks referrals from external and internal sources

• Provides exceptional customer service

• Excellent communication skills and presentation skills

2003- May 2006 Slades Ferry Bank

Commercial Loan Officer-Assistant Vice President

• Business Development Sales Goals

• Consulting with new and existing customers with formal and informal referral sources

• Attend seminars and community involvement

• Generate complete loan packages, involved in approval and closing process

• Work as a team with Branch Managers to achieve Business and Professional Banking relationship development

• Understand and operate within compliance guidelines

• Knowledge with SBA loan programs

• Manage existing portfolio

• Annual Renewals and Reviews for existing portfolio

• Targeted calling efforts

• Customer high quality service

Senior Mortgage Underwriter

• Underwrite Files to Fannie Mae guidelines

• Knowledge and use of Desk Top Underwriter program

• Underwrite non-conforming mortgage files

• Commitment letters

• Close mortgages and consumer loans

• Proficient in mortgage program (Sound Software), Microsoft Word

• Assist Underwriters with Fannie Mae Compliance questions

• Organized Webinar Fannie Mae Training seminars

• Assist in HMDA reporting

Summary of qualifications

1987-2003 Fall River Municipal Credit Union

Assistant Mortgage Underwriter

• Weekly Pipeline Report

• Underwrite files to Fannie Mae guidelines

• Underwrite non-conforming mortgage files

• Type Transmittals and Commitment Letters

• Follow up on all conditions to be met before closing

• Assist processors with files

• Originate mortgages and consumer loans

• HMDA Reporting

• Close mortgages and consumer loans

• Proficient in mortgage program (Sound Software), Microsoft Word

• Excellent organizational skills, strong communication skills and team worker. Loyal and positive with interpersonal staff relationships

• Worked in Member Services area, Mortgage Servicing, Teller and Collections

Education

*2005 RMA- LORS New England Chapter

Risk Management Association Certificate

* 2000-2001 Northeastern University Boston, Ma.

Certificate in Management Development in Residential Lending

• Massachusetts Mortgage Bankers Association

Languages

• Fluent in Portuguese

Community Activities

Eucharistic Minister at Charlton Memorial Hospital Fall River, Ma.

Junior Achievement Volunteer

South Eastern Economic Development Corporation (SEED)-Member

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