Frank S Oatman III

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

Pompano Beach FL 33064

Phone: 954-***-****

Email : adt6qp@r.postjobfree.com

Summary

Self-motivated individual with leadership, organizational, and supervisory skills, encompassing key value of integrity, honesty, appreciation, teamwork, growth, and results-orientation with an eye toward continuous improvement.

Respected Team Leader with excellent interpersonal skills. Interact well with individuals from all professional levels. Teach, Train, Mentor, Motivate, and evaluate personnel to achieve the highest quality standards.

Lead special projects and provide strategic insights into operations. Effectively manage and prioritize multiple responsibilities. Ensure adherence to policies and procedures to achieve objectives in safety, productivity, cost and operational management practices Certifications and Licenses

MLO/Contract Processor NMLS # 947553

Insurance Agent 215-License Health, life, Annuities Highlights

Leaderships

Excellent- work ethics

Excellent communication skills

Work Experience

American Pacific Mortgage - Saint Augustine, FL 10/ 2020 to Present (Remote) I work closely with my Loan Officers. I keep them inform throughout the loan process. I am in direct contact with borrowers, keeping them informed and engaged throughout their entire loan process. I gather and review borrower's credit, calculate income, and review Assets. I make sure they truly qualify prior to submitting their file to our Underwriters for their review. I complete all Third-party order outs. Request Title, Appraisal, Verification of Employment, Home Insurance etc. I Manage a pipeline of 25-30 loans per month. I have a wide range of experience in processing Conventional loans, VA, FHA, USDA, Jumbo, Broker Loans and Down Payment Assistant Programs. Hamilton Group Funding Sr Processor (Remote) - Sunrise, FL 11/2019 to 10/2020 My Job Responsibilities I work closely with assigned Loan Officers processing their Purchases and Refinances. I Process Conventional VA, Jumbo USDA and FHA Loans. Responsible for Calculating income, reviewing Tax Returns, Bank Statements, requesting all third-party order outs, working with title companies clearing liens ordering and preparing Closing Disclosures. I communicate with borrowers and gather their necessary documents to get their loan cleared for closing. NFM LENDING Sr Processor (Remote) Miami Lakes, FL 6/2019 to 11/2019 I process Mortgage loans for 5 Loan Officer. I carried a pipeline of 40 + loans. Responsibilities calculating income, reviewing Tax Returns, Bank Statements, requesting all third-party order outs, working with title companies clearing liens ordering and preparing Closing Disclosures. I work directly with borrowers collecting their loan documents. Communicate with Loan Officers and Agents keeping them updated through the loan process.

Supreme Lending Sr Loan Processor -9/2018 to 2/2019 I work closely with Loan Officers to ensure we have all necessary loan documentation prior to submitting the loan to underwriting. Job Responsibilities calculating income, reviewing Tax Returns, Bank Statements, requesting all third-party order outs, working with title companies clearing liens ordering and preparing Closing Disclosures. I work directly with borrowers collecting their loan documents. Howard Hanna Mortgage Services Processing- Team Leader- 08/2017 to 9/2018 Manage Personnel in Operations Processing, Closing, Setup Coordinators, Shipper/Funders. While processing and maintaining my own pipeline. My Team was responsible for Processing Priority Path loans. This is a Program that Howard Hanna offers to streamline the Loan Process. This allows the borrower to receive a loan Approval (Credit decision) within 5-7 business days. I manage processors pipelines, delegate incoming loans and reviewed every loan approved by underwriting, prior to moving the file to Closing. I manage closers pipelines and made sure that CD's were issued on time within TRID guidelines.

Integrity First Financial Group – Senior Loan Processor- 01/2016 to 07/2017 Assist with on-boarding training for new Loan Processors while managing a pipeline. I work closely with Loan Officers to ensure we have all necessary loan documentation prior to submitting the loan to underwriting. Job Responsibilities calculating income, reviewing Tax Returns, Bank Statement requesting all third-party order outs, working with title companies clearing liens ordering and preparing Closing Disclosures. I work directly with borrowers collecting their loan documents. Wintrust Financial Mortgage Loan Processor -05/2015 to 01/2016 Worked directly with assigned Loan Officers processing their Purchases and Refinances. Processing Conventional and FHA Loans. Responsible for gathering and reviewing all necessary loan documentation prior to submitting the loan to the Underwriter for a Final Loan Approval. (Clear to Close.) Bank of America Home Servicing Specialist II – 06/2012 to 04/2015 I manage a pipeline of 25-45 loans from the initial credit approval until the loan close and fund. Ensured loans submittals are met internal and external eligibility. Skilled in time management ensuring the timely, judicious, and accurate. Processing of mortgages. Review and verify borrower's income, credit reports, employment histories, property appraisals and title insurance information to prepare loan application for underwriting submittal. Ensure compliance with company policies, underwriting guidelines and loan program requirements. Provide meticulous attention to detail in underwriting mortgages. Evaluated the financial strength of borrowers to determine risk and repayment capacity. Promoted to a Home Servicing Specialist II within one year of Initial hire. Achieved after passing Sase Conventional Underwriting Test Providing signing and approval Authority. Underwriting Services within large, full-service regional mortgage regional mortgage lender offering Conventional loan programs. Gained extensive experience in underwriting MHA, Conforming, Non-Conforming, Conventional Full doc and Refinance. HSBC-Mortgage Servicing Specialist-11/2010 to 6/2012 I manage a Portfolio of delinquent Mortgage Loans. I am responsible for taking inbound calls of customers who are active either in a Loan Modification or in foreclosure. Reviewing loans by checking property sale dates, quoting reinstatement amount, removal of foreclosure holds when warrant and issuing stipulation agreement for all required states. I remain the customer's single point of contact until their process is complete.

Skills and Abilities:

Mortgage Loan Processor, Conforming & Nonconforming Loans, Arms, Fannie Mae & Freddie Mac Guidelines, FHA Streamline, VA, VA IRRL, MHA, USDA, OFHA, MSHDA, JUMBO Loans. Lending

& Underwriting Guidelines, Credit & Income Analysis, Cash-Flow Analysis, Risk Assessment, Loan to Value Ratios, Debt to Income Ratios, Conventional & Government Mortgage, Loan Closing, Funding & Documentation, Account Service, MS Office, Mortgage Builder, Encompass, BYTE, Edge, ARRIVE. EDUCATION

Maple Heights High School Graduate 2002: Maple Heights Ohio Vocational School: Home Improvement/Remolding