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Loan Processor Officer

Location:
Peoria, AZ, 85381
Salary:
$80,000+/yrly
Posted:
December 01, 2022

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Resume:

Michele Barnes

602-***-****

adts0m@r.postjobfree.com

Objective: Obtain a challenging and rewarding position with an organization, which will promote professional as well as personal Growth

Qualifications:

Positive Morale in a Fast-Paced Pressure-Filled Environment

Career-Minded, Dependable and Self Motivated

Multi-Tasked, Detail Oriented with Strong Work Ethics

Professional Verbal & Written Communication

Ability to Organize and Prioritize To Ensure Efficient Pipeline Management

Outstanding Customer service while building close trustworthy relationships

Computer savy with Multiple Applications and Microsoft Office Suite

Mortgage Lending Experience:

Conv, FHA & VA Purchase, Refinance & Jumbo Programs

Fannie Mae, Freddie Mac & Non QM Program Guidelines

Confidence Translating DU and LP Findings

Experienced with Encompass, Calyx Point, LQB & Empower

Retail, Wholesale, Brokered and Correspondent Lending

Compliance with Mortgage Banking and Predatory Lending Continued Education

Work Experience:

Aspire Financial dba Texaslending.com July 2020 – July 2022

Sr Loan Processor

Complete Intro call within 4hrs of all new assigned loans. Continue Initial loan submission within 24hrs. Pre-Underwrite and Pre-Qual new loans for accuracy while creating a needs list for borrower. Submit all conditions needed to for Underwriter's final review. Acting as main point of contact for all parties involved. Closing disclosure preparation with escrow officer finalizing fees to meet targeted closing date. Maintain updated status notes daily on all loans for end-of-day delivery of pipeline report.

Self Contracting July 2018 – May 2020

Remote Loan Processor

Processed loans for multiple Mortgage Brokers. Pre-Underwrite and Pre-Qualify new loans for accuracy while creating needs list for borrower. Submit all conditions needed to various Wholesale Lenders for Underwriter’s final review. Acting as main point of contact for all parties involved in transaction. Closing Disclosure preparation with escrow finalizing fees for accuracy. Maintain updated status notes daily on all loans for end of the day delivery of brokers pipeline reports.

Loan Depot / IMortgage July 2014 – Mar 2018

Sr Loan Processor

Builder Division

Prepare & Deliver Conditional Loan Approvals to borrower detailing all conds needed. Continued on-going communication with borrower throughout each stage of the loan process. Timely turnaround response to all messages and correspond within hours upon received. Redisclose LE to borrower per any changes. Participate in weekly pipeline production meetings with Builder.

Carrington Mortgage Jan 2013 - 2014

Sr. Loan Processor

Sole Branch Loan Processor for all Branch Loan Officer's. Accountable together with sales teams funded loans. Analyze all loans originated from branch Loan Officer's for loan application completeness and timely Initial disclosures delivered to borrower. Ability to restructure files based on investor guidelines. Responsible for processing files from start to closing. Insure loan data integrity and fraud detection. Coordinate Closing and Signing between borrower & Title Co.

Shea Mortgage Feb 2012 – Nov 2012

Sr Loan Processor

Process high volume loan applications from all branches from initial set-up through funding. Serve as liaison between customer, sales and underwriting.

Brokered all High LTV loans to various wholesale lenders. Manually calculate income, review collateral, Credit and Title for accuracy and completeness. Input loan data thru FHA Connect and VA websites. Obtain all needed conditions to meet rate lock commitment. Coordinate signing loan docs and funding with Title/Escrow. Review Final HUD for accurate disbursement of loan proceeds.

Goldstar Mtg / First Fedl Finl Mar 2006- Jan 2012

Sr Loan Processor

Sole Processor for all company's in-house Sales Team. Pre-Qualify all loans originated from Loan Officers by reviewing credit reports, appraisals, title reports income calculations & Loan submission to various Wholesale Lenders. Gathered all PTD/PTF Conds needed. Complete Loan Docs Request Form.

First Federal Financial Group - Review borrower's financials and hardship scenario.

Create monthly budget to show borrower's affordability for Home Retention. Negotiate with Loan Servicer/Investor requesting Loan Modification to borrower's current loan terms while demanding STOP to Foreclosure.



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