Loan Processor Account Executive

VALERIE KNOX

Aliso Viejo, CA ***** 949-***-****

******@*****.***

LOAN PROCESSOR MORTGAGE OPERATIONS

Highly motivated and solutions focused financial professional with a proven experience in all facets of the mortgage industry. Ability to work in fast-paced environments. Demonstrated history of management, coaching, and mentoring in mortgage operations with a full understanding of all aspects of lending encompassing Broker, Correspondent, Wholesale, Retail and Direct Lending. Proven leadership and management skills with the ability to build a group and realize goals in a timely manner. Key competencies include: Risk Management Process Improvement Problem Solver Relationship Building Encompass LenderQB PC Lender Empower Calyx Point Floify Blend Expedite DU LP

GUS VA Portal FHA Connection Loan Beam RealEC All Credit Vendors Work# Data Analysis DataVerify Appraisal Reports Asset Statements

EXPERIENCE

Finance of America - Commercial, Conshohocken, PA February 2022 - Present Senior Portfolio Deal Manager

Processed portfolio commercial residential loan applications (including investor loans for properties over 4 units or multiple investor properties under one umbrella loan).

• Coordinated due diligence items with borrowers, internally and third-party vendors from start to finish including title, appraisal, leases, insurance, entity approvals.

• Consistently updated all parties with status updates and updated the LOS conversation log with all pertinent emails and data applications.

• Ensured all loan documentation is complete, accurate, verified and aligns with company policy, compliance, and guidelines for specified loan program.

• Ordered third-party audit services as applicable (transcripts, VOE’s, DataVerify alert items, SSA verifications, credit supplements, OFAC, Lexis Nexus, COGs)

Union Bank of California, San Francisco, CA February 2021 – November 2021 Senior Loan Processor

Ensured all loan documentation is complete, accurate, verified and aligns with company policy, compliance, and guidelines for specified loan program. Clearing Level 1-2 condition Authority

• Managed pipeline of 40-50 funding minimum of 25-30 loans monthly.

• Pre-underwrite to ensure income, assets and reserves all meet guidelines and organized file documents.

• Reviewed title and appraisals for solar liens, judgements, any extra tax assessments, confirmation of property type and HOA dues.

• Updated URLA (income, assets, REO’s) for submittal to underwriting.

• Communicated with the consumers, mortgage consultants on loan status and collected additional documentation to clear conditions thru closing and funding.

• Maintain SLA’s and Reg B timelines w/ Underwriting and Pride my files on “One-Touch or “First Touch” Clear to Close. LoanDepot, Newport Beach, CA September 2019– February 2021 Senior Loan Processor III

Reviewed and pre-underwrite loan files and determined the documentation required to meet investor guidelines for submission to Underwriting. Clearing Level 1-3 Condition Authority. Functioned as back up to Processing Manager.

• Requested, organized, and processed loan documentation and independently submitted 18-23 files to Underwriting monthly.

• Managed a pipeline of 45-50 loans, funding 25-35+ loans per month.

• Communicated and responded to internal customers (Loan Consultants, Processing Managers) and external customers (borrowers, 3rd party vendors) generally within 2 hours.

• Utilized pipeline reports to effectively manage loans and prioritize daily workflow. Elite Processing Group, Aliso Viejo, CA April 2016 - December 2020 CEO Contract Processor Originator

VALERIE KNOX

Hanahan, SC, 29410 949-***-****

******@*****.***

Formed and Created Elite Processing Group Corporation, becoming licensed as a corporation in CA, OR and TX.

• Processed for a client list of 25 consistent brokers and correspondent lenders.

• Achieved 99% paperless and customizable process to any lender, credit union, broker and mortgage bankers.

• Worked in partnership with major LOS systems accommodating all brokers online submissions.

• Ran DU, LP, Fraud, Flood, Calculate all income scenarios, Loan Beam, Mavent, UCDP and CDA. Pacific Home Loans, Irvine, CA April 2016 - September 2019 Senior Loan Processor Manager

Setup loan files for initial disclosures in Calyx Point or Encompass and sent out for E-sign through DocMagic or through LOS disclosure system depending on mortgage broker preferences. Orchestrated state, federal and warehouse compliance audits- Licensed in 30 States.

• Reviewed title and appraisals for solar liens, judgments, any extra tax assessments, confirmation of property type and HOA dues.

• Maintained pipeline 35-40 file pipelines doing all disclosures, COC, CD, PTD and verifications with 90% pull thru average.

• Partnered with fulfillment centers for mini-C lenders and got loans purchased off the warehouse line within 48-72 hours of funding.

First California Mortgage Company, Petaluma, CA April 2015 - April 2016 AVP, Director of Operations

Managed day-to-day operations with a staff of 25 direct reports consisting of processors, Underwriters, assistants, account managers and Closers. Ensured files followed all state and federal regulations for 45 licensed states.

• Oversaw all 3 channels of Operations Consisting of Retail Branches, Call Centers and Wholesale for full Agency Direct and Correspondent lenders selling to Fannie Mae, Freddie Mac and Ginnie Mae, averaging 500-700 units monthly.

• Pulled daily pipeline reports for all three channels of business for load balancing to ensure acceptable SLAs are always consistently maintained.

• Collaborated with EVP of Operations and EVP of Underwriting for developing and updating company training manual for underwriting, policies and procedures then disseminating them out to employees companywide. Advantage Mortgage, Irvine, CA April 2010 - April 2015 Director of Operations Senior Loan Processor

Managed day-to-day operations for mini c/retail banking and broker divisions for sales and processing for staff of 15 reporting directly to CEO averaging 100 units monthly.

• Served as personal processor to CEO maintaining a pipeline of 15-20 files monthly inclusive of setup, disclose, and escrow to purchase.

• Managed escrow division and conduct all in-house escrow transactions.

• Coordinated post-closing conditions and purchase all warehouse funded files within 48-72 hours of funding

• Maintain in-house quality control for all post close closing files.

• Originated and processed a personal pipeline of 5-7 deal monthly. ADDITIONAL RELEVANT EXPERIENCE

Nations Direct Mortgage, Santa Anta, CA Essex Mortgage, Orange, CA Wholesale Account Executive Wholesale Account Executive EDUCATION

University of Massachusetts - Boston, Quincy, MA

Bachelor of Arts Program

LICENSURE

CA BRE Broker License #01859348 (licensed since 2009) NMLS 1051871 (licensed since 2013)

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