Middletown, CT ***** 860-***-**** adv61h@r.postjobfree.com

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JONATHAN RIBERA

PROFESSIONAL SUMMARY

Versatile mortgage loan processor with background in banking and finance. Consistently meet bank and customer service standards. Ready to tackle new challenges in position within the lending industry where talents in organization and success will be valuable.

SKILLS

Credit Analysis

Underwriting

Loan Origination

Escrow

Banking

Fair Housing Regulations

Loan Officer Experience

Portfolio Management

Tax Experience

Financial Analysis

Loan processing

Pricing

Leadership

Customer service

Financial services

Windows

Sales Support

Loan Approval

Operational Reporting

Management of Financial Resources

Loan Processing

Credit Approval and Denial

Word Processing

Internal Controls and Reporting Systems

WORK HISTORY

PRE-APPROVAL MANAGER 04/2022 to 08/2022

CrossCountry Mortgage, LLC, Chicago, IL

Remote Contract Position

Complied with established internal controls and policies.

Performed routine closings, maintained clean, accurate and accessible records and kept close eye on transaction updates as required.

Supported various lending units with special projects and additional job duties.

Used Encompass LOS to underwrite all files and applications from start to finish

Prepared the loan file, while selecting the appropriate loan program that would best fit the customer's needs. This also included the calculation of income and running AUS.

MORTGAGE LOAN PROCESSOR II 06/2020 to 11/2021

Movement Mortgage, Virginia Beach, VA

Underwrote all loan files on the back-end before a clear to close was issued

Handled any conditions sent from underwriting departments.

Reviewed financial statements and contacted institutions and customers to clarify details.

Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.

Prepared file for final clear-to-close by management.

Processed loan applications for FHA, Conventional, New Construction, USDA, Fannie Mae and Freddie Mac.

Expertise in Mac refinance and purchase loans.

LOAN PROCESSOR 08/2015 to 06/2020

Liberty Bank, Middletown, CT

Worked closely with underwriting on a daily basis to clear conditions and structure mortgage products to meet customer needs, while adhering to Liberty Bank's guidelines

Proficient in all Residential Lending mortgage products offered through Liberty Bank

Ability to communicate on a professional level with attorneys, appraisers, loan officers, real estate agents, municipal offices and customers

Handled any conditions sent from underwriting departments.

Maintained long-term relationships with customers to provide best-in-class customer service.

Main point of contact throughout mortgage process through closing with both customers and each party involved

Compliant with current and changing guidelines for all mortgage products and federal regulations while meeting all required deadlines

Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.

Prepared documents for underwriting by verifying client income, credit reports and other information.

Processed loans within various departments to achieve timely, accurate and fair proceedings.

MORTGAGE PROCESSOR 06/2012 to 03/2015

ISGN, Rocky Hill, CT

Processed loans for SunTrust (financial institution)

Processed HARP and Conventional loans

Worked closely with Underwriters and Loan Originators to complete the loan process from start to finish

Maintained and followed federal and state guidelines as it pertains to the residential lending process

Set up and completed loan submission packages.

Prepared file for final clear-to-close by branch management.

Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.

Handled any conditions sent from underwriting departments.

Completed denial and cancellation procedures on applicable files.

COMMUNITY EDUCATOR 08/2006 to 05/2011

CHD

Worked closely with consumers in a Mental Health Site

Completed on-going data quality monitoring ( Trends/Progress)

Managed day-to-day data management initiatives

Performed execution of functionality rollout plans including implementation of training

Completed daily and monthly reports on each consumer

Worked closely with state affiliated programs

EDUCATION

New England College of Business And Finance, Boston, MA

No Degree, Business Administration

Middlesex Community College - Middletown, Middletown, CT

No Degree, Business

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