Experience

JANUARY **** TO November ****

SR. LOAN PROCESSOR/REMOTE

PREMIER LENDING – NORTH CAROLINA

JANUARY 2021 -DECEMBER 2021

• VERIFY AND COMPILE INFORMATION FOR RESIDENTIAL & COMMERCIAL MORTGAGE LOANS

• CALCULATE INCOME, ASSETS AND LIABILITIES & WORTH. REVIEW LOAN

• APPLICATIONS FOR COMPLETENESS, ENSURING LOAN MEETS STANDARDS FOR COMPLIANCE (TYPE, AMOUNT, ASSETS, ETC. RECONCILE AGAINST SYSTEM INPUT

GATHER REQUIRED DOCUMENTATION FROM CUSTOMERS AND THIRD PARTIES

• COMMUNICATE EFFECTIVELY WITH MORTGAGE LOAN ORIGINATORS ALSO, THE CUSTOMERS AND OTHER STAFF AS NEEDED TO OBTAIN INFORMATION TO COMPLETE FILES

• MANAGE PIPELINE OF 30-45 LOANS PER MONTH, PURCHASES, AND REFINANCES

• FOLLOW COMPANY POLICIES AND PROCEDURES.

DEMONSTRATE BEHAVIORS THAT ARE CONSISTENT WITH COMPANY VALUES AND PHILOSOPHIES.

PERFORM OTHER DUTIES AS ASSIGNED.

• 20 + YEARS SR. LOAN PROCESSING EXPERIENCE

• PROFICIENT WITH DU AND LP

• KNOWLEDGE OF ALL INHOUSE PRODUCT & GUIDELINES.

• FAMILIAR WITH FHA, VA, USDA AND CONVENTIONAL, REFINANCE, NEW

& REHAB CONSTRUCTION AS WELL COMMERCIAL PRODUCTS

CONTRACT SR. LOAN PROCESSOR SUPERVISOR

THRIVE LOAN PROCESSING, LLC

AUGUST 2019 – DECEMBER 202

• PROCESSED LOANS NATIONWIDE USING WET OR DRY STATE CLOSING SPECIFICATIONS

CHARLENE WATKINS

SR. LOAN PROCESSOR

PROFILE

Knowledge of:

New Build, 80% -20 % Construction,

Refinance, Hard money, Condo's,

FHA, VA, 203K,USDA, Commercial and

Conventional loans.

Computer proficiency and financial

software experience. Strong attention

to detail Solid organizational and time

management skills to be able to work

independently and handle multiple

priorities under pressure of time

constraints. Ability to identify

problems and develop procedures to

resolve or correct situations. Excellent

customer service, written and verbal

communication skills. Basic

knowledge of underwriting

terminology and compliance

regulations.

CONTACT

aduqlg@r.postjobfree.com

949-***-****

San Juan Capistrano

California,92675

ACTIVITIES AND INTERESTS

Theater • Environmental

conservation •Art • Hiking •

Fishing• Travel • Paddle Boarding

• Welding • Kayaking

TEAM LEAD SALES SERVICE REPRESENTATIVE/ SR. PROCESSOR PLANET HOME LENDING CORRESPONDENT- IRVINE, C

JANUARY 2015 TO AUGUST 2019

• PROVIDES SUPPORT TO THE SELLERS, RSM IN THE DEVELOPMENT AND RELATIONSHIP MANAGEMENT OF SELLERS TO ACQUIRE ON-GOING SUBMITTING LOANS, LOCKING LOANS, AND NAVIGATING THROUGH CORE. ASSISTS SELLERS WITH ANY UNDERWRITING OR FREQUENT QUESTIONS THEY MAY HAVE TO HELP INCREASED BUSINESS.

• OVERSEE AND DEVELOP A LARGE PIPELINE OF LOANS WITH RSM TO ENSURE THE DEPARTMENT MAXIMIZES QUALITY SERVICE AND PIPELINE MANAGEMENT.

• PROVIDES AND PROMOTES A HIGH STANDARD OF CUSTOMER SERVICE FOR ALL CUSTOMERS.

• MOTIVATES AND ENCOURAGES COMMUNICATION AND FEEDBACK TO ENSURE THE HIGHEST DEGREE OF CUSTOMER SERVICES TO CONTRIBUTE TO A POSITIVE ENVIRONMENT.

• MANAGES EXCEPTION ITEMS. RESOLVES COMPLEXED AND ESCALATED ITEMS SR. LOAN PROCESSOR- EXECUTIVE ASSISTANT TO SR. UNDERWRITER LEXINGTON HOME LOANS - IRVINE, CA

FEBRUARY 2013 TO JANUARY 2015

• PROCESS A PIPELINE OF 20-40 • CONVENTIONAL, PURCHASES, CONSTRUCTION, FHA, VA, HARP, LOANS LICENSED IN MULTIPLE STATES.

• REVIEW FILES AND SEND OUT NEEDS LIST TO BORROWERS AND PERFORM INTRODUCTION CALL

• REVIEW TITLE REPORTS FOR LIENS, DETERMINE MONTHLY TAXES/INSURANCE, AND INPUT FEES TO COMPILE AN ACCURATE HUD

• ADJUST LOAN AMOUNTS AND/OR ADD PAYOFFS TO GET LOANS APPROVED WITH MINIMAL CONDITIONS

• QUALIFY BORROWERS’ INCOME AND REVIEW TAX TRANSCRIPTS TO MAKE NECESSARY DEDUCTIONS FROM INCOME ON TAX RETURNS

• OBTAIN CONDITIONS FROM REQUIRED ON LOAN APPROVAL AND COORDINATE FAST CLOSINGS

• PERFORM DOC PREP AUDITS, ORDER NOTARY'S AND QUITCLAIM DEEDS IF NEEDED TO MAKE SURE LOANS ARE READY FOR DOCS

• FOLLOW UP ON ALL LOANS TO MAKE SURE THEY FUND OUT OF RESCISSION AND EACH FILE COMPLIES FOR FINAL AUDIT.

SR. LOAN PROCESSOR- EXECUTIVE ASSISTANT, TRANSACTION COORDINATOR RIO DE ORO PROPERTIES - LAGUNA HILLS, CA

NOVEMBER 2008 TO 2013 JANUARY

• MANAGED OPERATIONS THRU OUT A MULTI-FACETED CORPORATION THAT ENCOMPASSED VENTURES IN REAL ESTATE

• PROCESSED LOANS, FUNDING VIA BROKERED AND PRIVATE WHOLESALE MONEY, STANDARD, VA & FHA PURCHASE, REFINANCE STREAMLINES, HARPS, CONVENTIONAL, JUMBO PURCHASES, SHORT SALES.

• ADMINISTRATIVE DUTIES, FINANCIAL ACCOUNTING, RECEIVABLES, PROCESSED SALES& PURCHASE TRANSACTIONS

• MANAGED ALL INVESTMENT ACCOUNTS, PROVIDED STATEMENTS, PROFIT - LOSS REPORTS, QUICKBOOKS

• PROVIDED CUSTOMER SUPPORT FOR ALL RENTAL PROPERTIES, INCLUDED CREDIT VERIFICATIONS, BACKGROUND CHECKS

• SUPPORTED ALL INCOMING AND OUTGOING EXPENSES RELATED TO PROPERTY REHABILITATION MANAGEMENT AND MAINTENANCE • MANAGED ALL SUBCONTRACTORS & TRADESMEN, PROCESSED BID REQUESTS & PAYMENT SCHEDULES ON ALL PROJECTS.

SR. LOAN PROCESSOR- EXECUTIVE ASSISTANT

NEW HARVEST MORTGAGE - IRVINE, CA

SEPTEMBER 2005 TO NOVEMBER 2008

• PROVIDED OPERATIONS SUPPORT AND OFFICE MANAGEMENT

• MANAGED A, ALT-A, SUB-PRIME PAPER AND INCLUDED HARD MONEY INVESTORS

• PROCESSED LOANS NATIONWIDE USING WET OR DRY STATE CLOSING SPECIFICATIONS • VENDOR RELATIONS WITH TITLE, ESCROW, REAL ESTATE AGENTS, CLIENTS, ATTORNEYS, APPRAISER

• MET ALL FUNDING AND COMPLIANCE FOR QUALITY CONTROL AND AUDIT MANAGEMENT. ESCROW OFFICER ASSISTANT

ESCROW FACTORY - IRVINE, CA

APRIL 2003 TO 2005 AUGUST

• ASSISTED SR. ESCROW OFFICER DUTIES INCLUDED THE FOLLOWING:

• ORDERING TITLE INSURANCE, PAY OFF DEMANDS, JUDGMENTS & LIENS, HAZARD INSURANCE

• PROVIDED ESTIMATED HUD'S, FINAL HUD'S, DOC ORDERS, AND NOTARY FOR SIGNING.

• MANAGED CLIENTELE, AND PROVIDED AND COORDINATED MARKETING EVENTS, PROMOTIONS, AND ACQUIRED NEW LEAD GENERATION.

CUSTOMER SERVICE AND ACCOMPLISHMENT

Four years working at Nordstrom’s Department store. Earned the top Sales Aware and Customer Service Achievement Award.

Help Human Humanity Every day!

Thank you kindly,

Char

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