Mortgage Processor Sales Associate
Resume:
Heather Golev
My primary goal is to maximize profits for the company and minimize
losses by competent analysis of mortgage applications. Equipped with solid background in the mortgage industry, as well as strong analytical, research, and statistical skills, I am positive that this goal can be achieved.
March 2021 – July 2022
Loan Specialist/Underwriter • First Republic Bank in New York
- Manages a pipeline of 85-150 loans.
- Analyze each loan file, ensuring the loan approval worksheet
(LAW), loan narrative, appraisal(s), application, prelim title and verifications meet secondary market and FRB loan criteria.
- Utilize and apply FNMA, QM and investor guidelines to ensure that all loans comply with industry standards and guidelines.
- Underwrites all types of income, all product types including ethical and saleable residential mortgage loans and consumer loans and evaluate risk while ensuring the quality of each loan.
- Reviews, requests and satisfies the following when applicable: HUD/Master Settlement Statement, credit supplements, HOA documentation, evidence of homeowners insurance,
verifications (VOR, VOM, VOE, etc.) and clearance of judgements and liens on title and credit.
- Reviews applications and all pertinent disclosures to ensure compliance with all federal, state, investor requirements and bank policies are met and withheld.
305 Plainfield Avenue
Piscataway, NJ 08854
Heatherkitty1227
@gmail.com
- Communicates with the Relationship Managers and Client Service Specialist on collecting information and documentation necessary to finalize incomplete loan packages.
- Qualify loans for approval to be presented to the Executive Loan Committee (ELC).
- Maintains an open line of communication and correspondence between all parties involved. This includes and is not limited to Borrower, Escrow, Title, ELC, RM, CS, Processor, Closer, Funder, Appraisal Desk, Rate Lock Desk, and Investor Support Desk.
- Partners with closing/funding department to ensure a timely closing while ensuring the customer relationship is maintained at its highest possible level.
- Responds to post closing review and quality control audits in a timely fashion.
April 2018 - November 2020
Assistant Manager/Sales Associate • Rainbow Direct
- Interacted with customers to help them with understanding the products while providing a pleasant experience.
- Assisted clients with purchase decisions in person and via phone.
- Built a rapport with the clients by offering friendly, knowledgeable and supportive customer service.
- Scheduled delivery and installation appointments as well as reviewed land surveys for the best product placement. June 2010 – October 2014
Credit Analyst/Lead Generator • Home Depot
- Actively sought out customers within the store to make sure they are provided the best level of customer service.
- Engaged customers in conversation to determine their home repair needs and related requirements.
- Demonstrated product features and benefits to assist customers in making informed buying decisions.
- Proactively handles customers complaints and concerns to ensure satisfaction.
- Assist customer in pursuing in store credit applications. April 2005 – April 2008
Account Manager • Washington Mutual/Long Beach Mortgage
- Managed a pipeline of 60 – 100 Loans.
- After the loan approval was submitted, I communicated to the broker the conditions needed in order to close the loan in a timely manner.
- Proceeded in auditing and amending the approval process i.e. incorrect rates, necessary program changes, etc.
- Performed standard income and credit analysis, challenged inconsistencies and made changes when applicable.
- Analyzed appraisals and field reviews from the appraisal department.
- Added stipulations to loans when necessary, prior to loan going to the closing department.
- Signed off on conditions when all guidelines were met and followed the loan through to closing.
- Ensured that all company compliance procedures were met to loans being finalized.
August 2004 – April 2005
Office Manager/Senior Processor/Closer • Allied Home Mortgage
- Submitted loan documentation to lenders for conditional approvals and obtained documentation from the borrowers to clear all conditions that applied.
- Ordered and reviewed credit reports, appraisals and title.
- Prepared and coordinated all closing documents with lenders, borrowers, attorneys and escrow agents.
- Performed rate locks and rate lock extensions.
March 2001 – May 2004
Senior Mortgage Processor • SIB Mortgage (Staten Island Bank)
- Entered and processed loan applications in accordance with company procedures and within all state and company guidelines.
- Followed up with the loan officers/borrowers to obtain any missing information within the loan application.
- Ordered and reviewed appraisals, flood certs, credit reports and ordered/cleared title.
- Answered questions via phone and email from applicants, attorneys, appraisers and flood insurers concerning loans in process.
- Submitted loans to underwriting, cleared conditions and prepared loans for closing.
- Ensured that all aspects of compliance had been met. Piscataway High School Piscataway, NJ 1998 – 2001
I am a disciplined and perceptive employee who communicates well with internal and external contacts/resources. I strive to provide accurate, efficient results and believe that I am capable of applying my prior backgrounds to many areas.
Underwriting, Income (1040, Schedule E Rental, Schedule C, 1065, K1’s etc.), FNMA, CRB, Onbase, Appraisal Review, Fraud Awareness, Security Awareness, Compliance, HMDA, Flood, Credit, Phishing, FHA Proficient in Netoxygen and familiar with Calyx Point Proficient in Microsoft Word, Office, Excel and Outlook
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