Loan Processor Mortgage
Resume:
Nic Hernandez
*************@*****.***
EMPLOYMENT HISTORY
First Entertainment Credit Union Burbank, CA
Consumer Lending Officer
Responsible for providing a broad variety of financial services to members and prospective members, such as processing and funding consumer loans and assisting members with their various financial needs and opportunities at the Credit Union.
• Perform quality service and consumer loan sales to members, including accurate presentation of all relevant information and policies, resolution of inquiries and obstacles, management of internal systems and tasks and active identification of opportunities to cross-sell.
• Support the operation of the Consumer Lending Department including review of income verification and supporting documents to make loan decisions, completion of required reports and records such as balancing reports, branch logs and manual report tracking, as well as providing support to co-workers to meet member service needs. 2018-2020
Long Beach Employees Federal Credit Union Long Beach, CA Lending Underwriting Specialist
General Responsibilities
• Maintained knowledge of consumer and real estate lending products, services and regs.
• Validated data and information provided by members in the loan application process.
• Communicated loan decisions to FSR team and/or membership.
• Completed all required continuing education requirements for Consumer Loan Underwriting and Mortgage Loan Processing.
• Represented the Credit Union in offsite business development events with partners such as the Long Beach Police Department union.
• Completed training requirements including BSA Reporting, OFAC, USA Patriot ACT, Red Flags, Regulation CC, Regulation D, Regulation E, Truth in Savings, Truth in Lending, Privacy, Flood Disaster Protection Act, Homeowners Protection Act, Elderly Abuse, etc. Consumer Loan Specific
• Ensured all lending operations were conducted in accordance with established Credit Union policies, were legally compliant and properly documented.
• Approved, denied, or counteroffered consumer lending products received by the Credit Union up to pre-determined lending limits and underwriting criteria.
• Verified all calculations (Debt to Income, Loan to Value) performed by the FSR and verified documents in Keystone.
Mortgage Loan Specific
• Completed real estate lending tasks in accordance with Credit Union policies, procedures, timeframes and legal requirements, as well as NCUA, CFPB and state and federal regulations.
• Approved, denied, or counteroffered mortgage lending products received by the Credit Union up to pre-determined lending limits and underwriting criteria.
• Entered all required data into Encompass system as required for each real estate loan application received.
• Trained, cross-trained, and coached team members in the areas of mortgage origination, funding, quality control and compliance.
• Created timely and accurate reports on the status of real estate loan applications. 2005-2018
University Credit Union Los Angeles, CA
Excelled in multiple capacities across four departments, with five title changes and an expanding portfolio of responsibilities over the course of tenure: Consumer Lending Funder
• Input loan applications received through various application channels into core processing system. Ordered credit reports and imported credit data into the Credit Union’s core processing system.
• Conducted initial review of applications with members to ensure the application information was complete and accurate.
• Collected supporting documents required as part of the Credit Union’s consumer origination lending underwriting.
• Funded loan applications via DocuSign or in person with members.
• Completed required post-closing quality control audit on all loan files to ensure that all the required documents were in the file, documents were completed correctly and information in the file matched the information on the Credit Union’s core system. Financial Service Specialist-Telephone Center
• Received and input consumer loans requests via phone and web applications.
• Collected supporting documents required for underwriting.
• Funded loan applications via DocuSign or in person with members.
• Completed required post-closing quality control audit on all loan files to ensure that all the required documents were in the file, documents were completed correctly and the information in the file matched the information on the Credit Union’s core system.
• Presented and explained Credit Union services and products to members. Maintained working knowledge of deposit products, services and regulations. Opened and closed accounts including: shares, checking, money market and loans. Set up and demonstrated online banking, bill pay and mobile banking products.
• Maintained working knowledge of consumer lending products, services and regulations. Calculated and explained basic loan payments, identified opportunities on the credit report and communicated terms and conditions for ancillary products (e.g., Debt Protection, GAP, Mechanical Breakdown Coverage) to meet compliance and accuracy standards.
• Answered questions and solved issues for members by listening, collecting data, securing answers and reporting results to our members. Referred any problem or concern to the appropriate individual if unable to resolve.
Account Resolutions Specialist/Overdraft Collection Specialist
• Answered incoming calls and when necessary transferred calls to Account Resolution Representative.
• Ran daily negative account reports pertaining to checking, savings and loans.
• Initiated daily outbound calls to collect on Overdraft Privilege (ODP)/negative share accounts that were 11-30 days past due.
• Maintained bad address reports.
• Maintained ODP expense and Fresh Start Loan log.
• Prepared weekly ODP reports for management.
• Processed ODP and Fresh Start Loan documentation.
• Sent emails and letters on negative share accounts.
• Performed additional duties as assigned.
Real Estate Loan Processor
• Organized real estate folders to prepare for underwriting.
• Called members to collect missing information and documents.
• Ordered title reports, provided title companies with required documentation for items that appear on title, e.g., judgments, other liens, etc, due to similar or common names.
• Sent employment verification and follow ups.
• Provided administrative support to real estate management team. 2004-2005
JP Morgan Chase Houston, TX
Banker Services-Underwriter
EDUCATION AND RELEVANT SKILLS
University of Houston Houston, TX
• Major in Psychology
Prior Undergraduate Studies, Incarnate Word University San Antonio, TX Proficient with Excel, Word, Outlook, DocuSign, ShareOne, Keystone, Encompass. Active NMLS License. Notary Public.
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