Mortgage Processor Data Entry
Resume:
Charlotte, NC *****
Phone 704-***-****
E-mail aduaha@r.postjobfree.com
NMLS 505289
Terrelle Freeman
Summary: Self motivated individual. To maintain a high level of customer service by being proactive in communication with customers, banking center associates and managers. Approve or deny mortgage loans based on LTV, DTI, credit, income and assets by following investor and lender guidelines.
Freedom Mortgage Nov 09, 2020 – Nov 9,2022 Loan Analyst & SR Mortgage processor (conventional, government, VA, USDA, and FHA)
Final review loans for approval. Fha, VA, conventional.
Run du, aus, pull and review credit, title, income, assets. Review DTI, LTV mNOV, COE, mortgage ins…
Order and review title, appraisals, payoffs, voe, vom’s subordinations, fraud report, gap report.
Maintain a high level of customer service by being proactive in communication with customers, banking center associates, and etc.
Data entry and 70 wpm typing speed. Used all Microsoft office products (expert)
Condition file for any missing or inaccurate documentation
Calculate income, review assets and income.
Csi/Deephaven Mortgage 2/18/2020 – Nov 2, 2020 (company laid off/covid) SR Mortgage Wholesale Account underwriting Manager
Review and analyze appraisals, titles, income, credit, assets.
Contact brokers for needed conditions. Keeping them informed during the process.
Calculate income, review assets and income.;
Review Dti and ltv ratio’s, making sure it’s within the investor’s guidelines.
Fully understand the Trid Process.
Accenture 12/01/2014 – 02/04/2020 Sr. Mortgage Loan Analyst with Level 2 underwriting authority & Home Equity Analyst
Verify and analyze income, credit and asset documents. (conventional underwriting)
resolve routine title issues, appraisal disputes, vesting issues child support liens, judgment liens, mechanic liens, and undisclosed liens re-conveyances.
Loan IQ syndicated loans (2 months)
Condition file for any missing or inaccurate documentation
Responsible for making the decision on loan applications on conforming & non-conforming loans.
Approve or deny mortgage loans following mortgage standards and lender guidelines
Maintain a high level of customer service by being proactive in communication with customers, banking center associates, and etc.
Able to work High pipelines.
Working knowledge of FHA, USDA VA, and, Conventional loans. Order appraisals, BPO”s, get documents executed for the attorneys to proceed, review financial information for accuracy to ensure that investor guidelines are being met, reviewing of income assets, credit report and updating the CPI system Review title search making sure we stand in first position. Provide bidding instructions and report sales results
Bank of America, Charlotte NC (held several positions)
Home Service Specialist II/ Jr. Underwriter/Closer/ Funder Sr Government loan processor III, (Consumer Real Estate Fulfillment Center Jan 2005 - 06/09/2014)
Verify customer income documents, resolve routine title issues, appraisal disputes, vesting issues child support liens, judgment liens, mechanic liens, and undisclosed liens re-conveyances. Process subordination agreements.
Condition file for any missing or inaccurate documentation
Responsible for making the decision on loan applications on conforming & non-conforming loans. (most I’ve approved is 1.5 million)
Approve or deny mortgage loans following mortgage standards and lender guidelines
Maintain a high level of customer service by being proactive in communication with customers, banking center associates, and etc.
Execute closing to ensure a timely and effective closing process. Approve final HUD, fund the loan.
Consulting mortgagors who have financial hardships by gathering current financial information (check credit reports, credit supplements, bank statements, pay stubs and researching all possible resolutions to assist mortgagors in bringing their home loans up to date (FHA, VA, and Conventional loans).
Education: 2 years college CPCC 1991-1993 GPA 3.7
Summary of Qualifications
· Quick learner, problem solver, punctual, motivated, able to meet deadlines, can review and understand credit reports, title searches, appraisals, income calculations. Understand ltv and dti max investor guidelines. Excellent customer service skills. 70wpm typing skills, data entry.
Have knowledge of the following applications…
Microsoft Word, Excel, CPI, LPS, EDGE, STATUS MART, FRAUD GUARD, Byte, Virpack, I-fulfill, ACAPS, Mercury, Interact, RealQuest, Encompass.
Achievements/ Certificates/Awards
-ALLREGS ACADEMY (Received 11 reward certificates) · Servicing learning
- Underwriting certificate · Top financial advisory award
· Customer service negotiations techniques · Organizational techniques
· Customer service awards · Escrow analysis
REFERENCS
Barbara Payne manager at Deephaven – 704-***-****
Carolyn Harris, friend at Accenture 704-***-****
Jill Barnhardt manager at Freedom – 704-***-****
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