Loan Processor Mortgage

Lia Cucchiara

**-** **** **** *******, NY ***** Cell: 718-***-**** **********@***.***

Professional Summary: Mortgage processing professional with 14+ years experience in the banking industry. Specializing in commercial & residential lending, analyzing income tax returns & financial statements and conducting overall global analyses to help potential borrowers meets bank guidelines. Proficient in Microsoft Office

and Outlook.

Work History:

Mortgage Loan Processor II: 02/2021 – Nov 2022 (Currently on furlough)

American Advisors Group (AAG) – Remote

Specialize in Reverse Mortgage product (FHA Loan Products)

Prepare loan files, collect documents, review conditions

Build relationships with clients

Follow state to state guidelines for FHA, RESPA, and TILA

Manage a pipeline of 30 – 40 loans

Hit or exceed monthly goals every month

Mortgage Loan Processor: 08/2016 – 01/2021

Santander Bank – 95 Amaral Street East Providence, R.I. 02915

Manage a pipeline of 40 to 50 loans/month

On average funding between 30-38 loans/month

Prepare loan files for submission to underwriter

Collect and review loan conditions

Ensure accuracy of information in the LOS and update information throughout the entire loan process

Collect all required documentation for closing

Universal Banker: 07/2014 – 01/2016

Citizens Bank – 200 Atwood Avenue Cranston, RI 02920

•Sell products and services to customers

•Conduct individual financial analysis to determine appropriate loan and credit options.

•Open personal and business accounts for bank clients (savings, checking, CDs, money markets, etc.)

•Resolve account issues and analyze account close-outs to assess the potential for future business

•Calculate DTI, LTV and income to debt ratios

•Manage all client accounts and maintain strict confidentiality for all client information.

Mortgage Loan Specialist: 09/2013 – 07/2014

Bank of America - 670 George Washington Highway, Lincoln, RI 02865

•Process loan applications

•Answer client questions and assist the client in choosing the mortgage type and mortgage terms appropriate to the financial information gathered

•Carried out analyses to generate pre-approval statuses and provided suggestions regarding what must change in order to secure them

•Secure financing for homes and business-related buildings for clients

•Follow up with borrower to gather the necessary documents to close loans

•Met and exceeded minimum sales goals

Mortgage Loan Processor/Credit Analyst: 09/2000 – 08/2013

Maspeth Federal Savings Bank – 56-05 69th Street, Maspeth, NY 11378

•Processed 30+ loans/month specializing in first time home buyer loans (PMI)

•Interviewed loan applicants, investigated applicants' backgrounds and verified references

•Collected all supporting documentation for home buyer approvals including employment situation, salary, assets, financial status, current debts and current expenses

•Reviewed loan documents & completed transactions between loan establishment, borrowers, & sellers upon approval of loan

•Calculated DTI, LTV & income to debt ratio

•Managed loans varying from $100,000 - $10,000,000

Bank Teller: 09/00 – 11/2001

•Provided exemplary customer service

•Assisted customers in making withdrawals/deposits and cashed checks

Education: High School Diploma: Accounting 1979 - 1983

Grover Cleveland High School – Ridgewood, NY 11385

Commercial Lending Certification: Completed June 2011

American Bankers Association

References available upon request.

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