Loan Processor Customer Service
Resume:
Irma Mulmore
PROFESSIONAL SUMMARY:
• 17+ years of professional experience in the mortgage industry.
• Business applications: MS Word, Excel, Power Point, Net Ox, ACAPS, Encompass, UNIFI, ESS, MSP, EDR, QIP, Data Verify, VFM, Zippy Plus, Lenderlive, CLOSR and PEGA.
PROFESSIONAL EXPERIENCE: (Robert Half/Contractor)
TCF / Huntington National Bank, Loan Processor 04/05/21 – 8/20/21
• Review all data on the URLA 1003 application.
• Process credit package, income, asset, title and purchase contract documentation to verify accuracy (i.e., paper trail large deposit, LOE, borrower conditions etc.) Update Encompass 1003 to match data received from borrower.
• Perform income calculations for borrowers based on income docs received, paystubs, W-2's, tax returns and VOE's. Update 1003 with Income, Assets and all other documentation received.
• Processor to place income calculation worksheet in e-folder.
• Make customer service calls, as needed on 3rd party services and borrower related items.
• Submit complete files to underwriting queue within turn times indicated.
• Gather and process underwriting conditions to submit for CTC (Clear to Close).
• Prepare closing request with closing department.
• Responsible for ordering the following 3rd party verifications/documentation; Credit Supplements, written and verbal VOE's, HOA Certifications etc.
• Problem Solving / Decision Making
• Organizing and Planning
Huntington National Bank, Sr. Specialist/Analyst 05/04/20 – 10/23/20
• Processed loan subordinations both retail and externals.
• Managed 2 shared inboxes where subordination requests were received.
• Made sure that documentation for title reports, credit reports, inspection /appraisal reports were provided and completed.
JP Morgan Chase, Loan Authority Credit Analyst (Contractor) 05/01/17 – 06/29/18
• Audit and approved applicable documentation for Asset Management via QIP
• Verified and validated that the information reported in QIP matches the system of record considering the outcome will it receive a pass or fail code.
• Ensured the address, interest rate, security type and lien position are consistent with the client information per the credit agreement.
• Added/set authorities and limits in workstation (officers, trustees, agents, and directors) Huntington National Bank, Loan Processor (Aerotek/Contractor) 10/03/16 – 02/23/17
• Processed FHA, VA, USDA, and conventional loans.
• Managed an average pipeline of 40 mortgage loans.
• Ordered title, appraisal, and inspection as required.
• Knowledge and understanding of mortgage lending, loan products and operations.
• Built strong working relationship with vendors to which decreased turn-around times. JP Morgan Chase, Specialist II (Kforce/Contractor) 02/01/16 -08/01/16
• Monitor reports to ensure compliance with Federal and State regulatory requirements.
• Review electronic loan files and system records for specified attributes (Closing Disclosures & Loan Estimates).
• Complete override for CDs and ITPs.
• Participate in loan level data and process investigations, data integrity audits and escalated customer related issues.
Fidelity Bank Mortgage, HMDA Specialist 08/05/13- 09/30/15
• Audited HMDA LAR updating DataTrac and LQB with findings.
• Completed statement of credit denial notices for denied and withdrawn loans.
• Sent Loan Status and Aged-Pipeline Reports to Branch Managers.
• Proficient in all current agency and regulatory compliance requirements
• Ordered Geocode Demographics, CRA Review and Rate Spread Check via Compliance Eagle system.
JP Morgan Chase, Columbus, OH 06/01/02 – 04/30/13
Executive Office Research Analyst
• Monitored pipeline reports for different expiration dates and performed duties to ensure credit and rate deadlines were handled appropriately.
• Processed and resolved escalated loan cases that were escalated to Jamie Dimon.
• Contacted customers to evaluate their eligibility for 1st and 2nd Mortgages as well as loan modifications.
• Worked closely with internal departments such as closing, vendors, and underwriting to handle both escalated and complex files.
Home Lending Default Underwriter
• Underwrite loans for customers in default.
• Reviewed and analyze borrower documentation to determine income and repayment ability.
• Discussion of financial documentation with customer per policy and guidelines to meet all expectations according to Treasury guidelines.
• Made recommendations and provided solutions to assist customer in resolving delinquent status.
• Checked for red flags (potential fraud) to determine if loan would need to be sent to the Loan Integrity Operations Department.
Bankruptcy Analyst
• Researched and resolved escalated first mortgage and/or home equity account related issues received from senior management, regulatory agencies and or Legal Department.
• Worked directly with attorneys processing and monitoring accounts that filed for bankruptcy protection to ensure compliance with Federal Bankruptcy law.
• Handled Chapter 7 and 13 cases.
HMDA Specialist Team Lead
• Created a weekly Excel report to Operation Managers regarding consumer home loans.
• Keyed and boxed loans for shipment to Iron Mountain storage facility when customers withdrew loans.
• Assisted with employee learning/training systems. Underwriter/ Loan Processor
• Processed and underwrote a monthly pipeline of between 40 consumer home loans
(Prepared all for post-closing) FHA, VA, USDA and conventional.
• Monitored pipeline reports for different expiration dates and performed needed duties to ensure credit and rate deadlines were handled appropriately.
• Developed relationships with attorneys, national vendors, and underwriters.
• Received validation certification with a lending authority of $417,000 for first mortgage loans and $100,000 for home equity transactions.
• Knowledge of FNMA and FHA guidelines.
• Completed loan approvals or counteroffer notices and mailed to customers.
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