Loan Processor Manager

Lourdes Smith

Bi-lingual, Results-Driven Leader Dedicated to Optimizing Mortgage Loan Operations

North Las Vegas, NV 89084 310-***-**** ********.*****@*****.*** Profile of Qualifications

Ø Highly accomplished Loan Manager eager to contribute 15+ years of professional experience in Loss Mitigation, Mortgage Industry Operations, and Loan Processes toward maximizing a top employer’s success Ø Expertise in analyzing data, information, and records for adherence to mortgage requirements, company standards, and loss mitigation initiatives

Ø Strategically prioritize, coordinate, and manage multiple projects to optimize productivity and quality Ø Dynamic communication and interpersonal relation skills with a continual commitment to discussing issues relating to loss, fraud, or credit risks with team members, management, and clients Ø Adept at quickly earning the trust, confidence, and respect to cultivate positive relationships Professional Experience

HOMELIGHT HOME LOANS – SCOTTSDALE, AZ 2020 – 2022

LOAN MANAGER / LOAN PROCESSOR, REMOTE

• Offered the necessary resources and training for new hires to succeed in meeting position requirements and overall company objectives

• Remained in constant contact with borrowers, real estate professionals, insurance providers, and settlement agents via emails, messaging, and phone calls to communicate information and collect key information

• Consistently ensured initial and closing disclosures were in compliance with TRID guidelines

• Proactively identified and addressed bottlenecks, fraud alerts, or discrepancies with software in collaboration with team members

• Actively assisted underwriters with streamlining and expediting loan processes, as well as managing closing, funding, and doc drawing as necessary

GENESIS CAPITAL, LLC – SHERMAN OAKS, CA 2018 – 2020 LOAN PROCESSOR / LOAN PROCESSING MANAGER

• Effectively managed, motivated, and coached a high-performance team of non-exempt employees

• Played a vital role in ensuring the seamless operations of loan production including documentation, pre- closing / closing tasks, and underwriting for express construction and commercial loans

• Reviewed new loan packages for adherence to established policies, procedures, and standards for accuracy

• Productively managed strong relationships with internal and external customers to maximize satisfaction US BANK HOME MORTGAGE – WESTLAKE VILLAGE, CA 2015 – 2018 BUILDER MORTGAGE LOAN PROCESSOR III

• Efficiently prepared and processed mortgage loan files for the builder team in a timely fashion

• Kept lines of communication open with borrowers, internal staff, brokers, builders, escrow, and title companies to discuss issues, corrective action plans, and documentation requirements

• Gathered up-to-date documents from parties and complied with Service Level Agreements

• Applied effective interpersonal and negotiation skills to secure cost-effective sales prices with builders

• Gained hands-on experience with VA / FHA loan preparation JPMORGAN CHASE – CHATSWORTH, CA 2008 – 2013

DEFAULT UNDERWRITER - LOSS MITIGATION / ASSET MANAGER

• Thoroughly evaluated loan documents to ensure their validity with lending regulations and guidelines

• Identify and mitigate losses by reviewing income, credit reports, title report, appraisals and recommending workout cure such as repayment plans, modifications and short sales while monitoring foreclosure timelines.

• Maintain communication and build rapport with borrowers thought the loss mitigation process.

• Assisted in clearing call center queues by answering Loss Mitigation overflow calls. Lourdes Smith 310-***-**** Page 2

Professional Experience Continued

COUNTRYWIDE – WOODLAND HILLS, CA 2007 – 2008

UNDERWRITER, EXCEPTION DESK

• Promptly resolved discrepancies affecting automated Underwriting system loan status

• Maintained accurate and updated records of data and loan documents in accordance with department practices and protocols

• Worked collaboratively with team members in developing and implementing underwriting processes, procedures, and approaches for optimizing efficiency and reducing errors Education

General Education, Sherman Oaks CES Magnet School

Technical Efficiencies

Windows XP, Microsoft Office (Word, Excel, Outlook), MLS, Alltel

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