Loan Processor Mortgage

Robert saNchez

** **********, ****** ***** ** ***94

Phone: 949-***-**** Email: ************@*****.*** NMLS ID 2304133 OBJECTIVE

To obtain a demanding position that will challenge me and allow me to practice my skills to their full potential. I'm seeking a company that will provide me the opportunity to grow as a professional. QUALIFICATIONS

I am proficient in Conventional, FHA, VA and NON-QM guidelines. I have experience with refinance loans as well as purchase transactions. I have a proven track record of managing a team of up to 19 processors and a pipeline of over 800 loans while keeping customer service at a high level and advanced knowledge in TRID guidelines. I am skilled in Encompass, Doc Magic, Empower, Microsoft Office, DU/LP, FHA Connection and VA Portal

PROFESSIONAL EXPERIENCE

8/16/2021-Present Ocean Lending Home Loans, Inc/Sr Loan Processor

• Ensures that all loans are processed to meet Company and Investor Guidelines

• Constant communication with all external parties to the loan including but not limited to Borrower, Realtor, Closing Agent and Appraisal Management Company

• Communicates with Loan Officers, Operation Managers, Disclosure Department, Underwriting Department, Docs/Funding Department as required to resolve outstanding issues

• Assists Post Closing Department as needed with making the loan whole for purchase into secondary marketing

• Reviews and evaluates credit information on mortgage loan documents to determine acceptability for loan programs

• Maintains open files, orders appraisals, sends verifications, acquires documentation related to Borrower and Property

• Submits completed file to Underwriting Department for Approval

• Proactively monitors pipeline to ensure timely funding of loans, complete & send requests for Change of Circumstance (LE’s and CD’s) as needed

• Currently work on Encompass, DU, LP, FHA Connection & VA Portal 11/2018-7/9/2021 True Mortgage/Sr. Loan Processor

Irvine, CA

• Review residential loan application files verifying the data on the 1003 is complete and meets company standards including Loan program, loan amount, borrower assets, liabilities and length of employment.

• Accurately prepare necessary documents and submit mortgage loan files to Underwriting for approval including ordering payoffs, WVOE, VOM, SSA89, 4506T, credit supplements and appraisals.

• Follow up on all outstanding orders to 3rd party companies and borrowers within required deadlines.

• Prepare files for closing, ensuring completeness of the loan package, Loan Estimate disclosures, Closing Disclosures etc. prior to loan submission for Final Loan docs.

• Provide strong communication and support between Sales, Underwriting and Processing to ensure maximum efficiency

• Manage personal pipeline to ensure service level standards and financial objectives are met

• Skilled in handling Conforming DU/LP, FHA and VA Loans 12/2017 – 10/2018 Senior Loan Processor, Ladera Lending Ladera Ranch, CA

• Review residential loan application files verifying the data on the 1003 is complete and meets company standards including Loan program, loan amount, borrower assets, liabilities and length of employment.

• Accurately prepare necessary documents and submit mortgage loan files to Underwriting for approval including ordering payoffs, WVOE, VOM, SSA89, 4506T, credit supplements and appraisals.

• Follow up on all outstanding orders to 3rd party companies and borrowers within required deadlines. Robert saNchez

• Prepare files for closing, ensuring completeness of the loan package, Loan Estimate disclosures, Closing Disclosures etc. prior to loan submission for Final Loan docs.

• Provide strong communication and support between Sales, Underwriting and Processing to ensure maximum efficiency

• Manage personal pipeline to ensure service level standards and financial objectives are met

• Skilled in handling Conforming DU/LP, FHA and VA Loans 05/2016-11/2017 Processing Manager, Paramount Equity Mortgage Irvine, CA

• Manage and support a team of experienced Loan Processors in a Retail Mortgage environment

• Work directly with Underwriting to ensure positive communication and ensure both departments are working effectively to move files to Final Approval

• Work with Sales Staff to establish expectations of loan performance and monitor file quality

• Conduct weekly one-on-one weekly meetings with Processing Team to ensure files in process are moving forward and closing within the Rate Lock Agreement timeframe

• Work with Closing/Funding Team to ensure Closing Disclosures, loan documents and fundings are worked on in a timely fashion

12/2011-04/2016 Processing Manager, Greenlight Loans Irvine, CA

• Managed a loan processing team of 14 processors

• Responsible for the day to day operations of hitting a target funding, turn times and a quality funding goal

• Reviewed processors work for quality, review “rejected” files from underwriting and funding departments for processing training purposes.

• Review all loans for TRID compliance.

• Worked closely with my Sales Managers in restructuring loans for qualification purposes.

• Ensure that all team members are communicating daily with sales team on file status.

• Manage and maintain all loans on pipeline report and made sure there was daily progression on each file.

• Ranked #4 Processing Manger in the Irvine Office for 2015 Robert saNchez

19 Fieldhouse, Ladera Ranch CA 92692

Phone: 949-***-**** Email: ************@*****.***

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