Mortgage Processor Loan
Resume:
Dionne Holloway
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Executive Summary
As a long-time mortgage professional, I am seeking to work as a mortgage processor, underwriting to funding. Experience managing a pipeline of as many as 120 files from contract to funding. I work with loans such as FHA, VA, USDA, Conventional, Reverse, Home Equity, Jumbo, SBA, Foreclosure, Real Estate contracts, refinance, purchases, and cash deals. I have experience with Encompass and The Point. It is my desire to locate a remote position in my area of expertise. I am a problem-solver who can handle any task quickly, expertly, and professionally, no matter the level of complexity. I have excellent history of delivering effective leadership and training to support staff development.
Skills
•Ability to prioritize multiple tasks, information, and task monitoring, effective judgment and problem solving, productive time management, risk management, data collection, attention to detail, critical thinking and stress tolerance with great customer service.
•Positive personality, self-confident, flexible, solution, oriented attitude, gold oriented, strong ethics
•Excellent negotiation ability, strong collaboration/communication skills, public speaking capabilities
Education/ Certification
•HarvardX, Harvard University, Contract Law
•Westgate Real Estate Academy Orlando, FL Professional Development 5-Star Training
•Climer Real Estate Orlando, FL Major: Florida Real Estate Sale Associate
•University of Central Florida, Florida Insurance University Orlando, FL Major: Insurance Adjusters/All Line Adjuster
•Cope Institute, Brooklyn, NY Major: Accounting/Bookkeeping and Secretarial Science
•Florida, Georgia, and Maryland Notary Public Certified Notary Signing Agent, Trust Enrollment Agent, and ADP certified
Employment
Focus of Georgia/State of Georgia - Department of Community Affairs 2727 Paces Ferry Rd, Atlanta, GA 30339
Loan Processor/Grant Specialists May 2022 -
Reviewing loan decisions to ensure accuracy regarding approvals of grant or loan of 100 or more files
Analysis of data from vendors.
Examining mortgages, judgments, affidavits, loan modifications, agreements to stop foreclosure, reviewing state, treasury and investor guidelines.
Underwrite in line with governance framework, underwriting authority’s guideline rules and principles
Knowledge of foreclosure and bankruptcy files/procedures
Analysis applicant’s financial status and credit
Contacted clients to obtain information necessary to formulate loan recommendations
Reviewed loan documents, calculated income, financial documentation to ensure the completed accurately
Reviewed bank notes, mortgage loan modifications documents and transaction history, settled mortgage cases daily
Manage a daily pipeline/queue of customer files with limited guidance
Request documentation to make decision to approval or denials application for the next or appropriate stages
Lead processor approving and denial the most grants in the department, a count of over 110 files. Training, developing and coaching of less experienced
Working on Loans experience – Pivot and V-lookup, accounting support
Contact applicant/client to obtain information and documentation necessary to formulate loan recommendations
Homepoint Financial Corporation, 2011 Old Earhart, suite 250 Ann Arbor, MI 48105
Loan Processor/ Coordinator / Underwriter (F/T) October 2020-November 2021
Works closely with Mortgage Loan Originations, senior underwriters, and closers to underwrite conventional mortgage loans.
Assist Loan Officers with borrowers/client from contract to funding, gathering documents, underwriting approval to funding
Scrub and Order loan documentation as necessary for each file: verification of employment, evidence of insurance, payoffs, tax transcripts, credit supplements, condo questionnaires, subordination requests, and title work to ensure a smooth loan process.
Processes, analyzes and verifies submitted individual credit and income documents to ensure that varied and complex residential loan applications are complete. Identify, monitor and investigate suspicious transactions.
Review pre and post files for investor and insurer loss mitigation and default guidelines
A detailed review of the residential mortgage loan application and documentation as submitted to ensure the loan meet underwriting guidelines via Encompass, SAR, OFAC, Mavent, The Point, The Word Number, FHA, CAVIRS, Flood Certification
Review and analyze loan transaction, title and credit reports, calculate income, income/asset documentation, and collateral when submitted as conditions, review of title, hazard, taxes, and all pertinent compliance documents. Adhere to bank policies and procedures.
Cash Reconcilement, accounting support, working on Loans, with Excel experience – Pivot & V-lookups
Clear conditions within authority level as outlined in credit and risk policy and procedures
Review and enforce closing processes as required to maintain accurate loan files, settlement statements, and closing documents
Interact professionally with clients, mortgage lenders, real estate agents, title companies, and mortgage loan officers to make sure closing is successful. Assist with loan documents signing to be sold on the secondary market,
D. Holloway & Associates, Inc. 6032 Raleigh Street Orlando, FL 32835
Contract Closer/Processor/Signing Agent (F/T) July 2005 – October 2020
•Certified Signing Agent experienced with Purchase/Sale of FHA, REO, VA, Cash, etc.
•Analyzes data, approves and input invoices.
•Vendors contact, accounts payable and account receivables
•Communicate with a wide variety of settlement agents, title companies, and government officials to solve and resolve problems
•Processed loan modification by analysis and preparing full documentation supporting analysis.
•Negotiate terms and conditions with producers and guidelines,
•Receives orders and makes initial contact with clients, communicate for sign closing documents.
•Responsible for clearing the title issue. Oversee the document signing between lender and customer/client/borrower. Act as the liaison between agent, escrow, title, lender, and client execution closing for multiple states.
•Responsible for Order Searches, Order HOA/Estoppel Letters.
•Notarizing and witnessing loan documents for mortgage closings. Closing over 100 files monthly for refi to new construction.
•Assisting customers/borrowers with questions related to HUD and other loan documents.
•Communicate and meet with all parties of the transaction.
•Responsible for collecting information from listing agents, selling agents, title companies, and lenders required for closing.
•Request Payoffs, Review Title Search and clear liens, judgments, etc., Real Estate title/deeding.
•Complete verification of mortgage closing documents for accuracy and compliance including title work, surveys, collateral, lien filings, appraisals, and environmental reports. Provide funding/closing assistance via phone, fax, and email, and in person.
•Performing post-closing audit and shipping signed documents to title or lender. Make all bank deposits.
ARC Resorts, LLC 7041 Grand National Dr. Orlando, FL 32819
Supervisor Verification/Quality Assurance Analyst Officer (F/T) April 2015 – December 2018
Audit documents before sending to contracts department. Verification of contract to company’s underwriting guidelines.
•Initial contact with a proposal via email to the potential owner, follow-up conversation about signing and collecting funds.
•Notarize and verify documents are submitted and completed accurately by sales managers, owners, title, etc.
•Review sales contract documents with new owners and ensure signatures are obtained and consistent on all legally required documents and ownership materials. Analyze financial statements and claims for fraudulent activity.
•Ensure that all documents are returned for a completed close of the contract, such as a deed, trust information, death certificates, etc. Correct mistake, rewrite, mail-outs, receive and submit deeds to and from Owners and Property.
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