Tracey Chehab

LOAN PROCESSOR

Sykesville, MD

aduqg4@r.postjobfree.com

443-***-****

Mortgage professional with extensive frontline and retail processing and underwriting experience that includes Conventional, FHA, VA, Jumbo, Bond Programs, Grant Programs, and USDA loans.

Work Experience

Loan Processor II

US Mortgage Corporation - Frederick County, MD

November 2020 to Present

1. Process FHA, Va, conventional, usda, mmp, jumbo loans. Collect all documentation from clients. Run loan through aid system. Calculate income, order all third party verifications. Submit loan to underwriting. Get loan approval conditions. Send out all loan redisclosures, update fees and issue loan estimate according to Trid guidelines. Submit loan to closing departments once loan is cleared for closing Mortgage Loan Officer Assistant

The Columbia Bank - Columbia, MD

February 2016 to October 2020

• High volume loan processing for all loan types

• Pipeline management

• Strong communication with borrowers, title companies, loan officers to ensure all loans were closed in a timely manner

• Extremely knowledgeable for all loan programs

• Multi--tasks for all phases of loan processing

Loan Processor III

Academy Mortgage - Glen Burnie, MD

February 2016 to March 2017

LOAN PROCESSOR

Residential Mortgage Services

April 2015 to January 2016

• Detailed processing skills for all loan types and knowledge of several different investor guidelines and overlays.

• Communicated with loan originators, management, underwriters, and borrower(s) as required to ensure all parties aware of loan status.

• Ensured all required conditions and documentation were received and reviewed prior to submitting loan to underwriting.

• Multiple tasks included appraisal orders, credit report/credit supplements, flood certification, fraudguard, FHA/VA case numbers, IRS transcripts.

• Ensured loans were processed and closed in the expected time frame requested. LOAN PROCESSOR

GMH Mortgage

October 2014 to April 2015

• Processed FHA/VA Construction Perm loans for Manufactured & Modular

• Communicated with loan originators, management, underwriters, and borrower(s) as required to ensure all parties aware of loan status.

• Ensured all required conditions and documentation were received and reviewed prior to submitting loan to underwriting.

• Multiple tasks included appraisal orders, credit report/credit supplements, flood certification, fraudguard, FHA/VA case numbers, IRS transcripts. LOAN PROCESSOR

Union Mortgage Group

April 2012 to April 2014

• Communicated with loan originators, management, underwriters, and borrower(s) as required to ensure all parties aware of loan status.

• Ensured all required conditions and documentation were received and reviewed prior to submitting loan to underwriting.

• Multiple tasks included appraisal orders, credit report/credit supplements, flood certification, fraudguard, FHA/VA case numbers, IRS transcripts.

• Ensured loans were processed and closed in the expected time frame requested. SR. LOAN PROCESSOR

Metlife Home Loans

March 1997 to March 2012

• Responsible for decisioning all conventional loans for both credit and documentation deficiencies and determinedthe marketability for each loan

including income/asset calculations, employment history, credit history and qualifying ratios.

• Followed written policies and guidelines to ensure all loans were processed in accordance with company policies.

• Excellent knowledge of self/employed borrowers and complex loan scenarios.

• Authority to sign off/clear conditions when applicable.

• Maintained high level of communication with loan officer, underwriters, managers and the closing department.

Education

Assoc in Science

Harcum Jr. College

1986

Skills

• MICROSOFT EXCEL (10+ years)

• MICROSOFT WORD (10+ years)

• Encompass (10+ years)

• Mortgage Loan

• FHA

Additional Information

COMPUTER KNOWLEDGE:

ENCOMPASS 360

TMO

MICROSOFT WORD

MICROSOFT EXCEL

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