Marcia O. Villajuan (Marcy)
***** ******** *****, ** ******, CA 90638 714-***-**** **********@*********.***
Objective
To obtain a senior level position that utilizes my detailed skills set and provides upward career path opportunities.
Education
BACHELOR OF SCIENCE 1982 UNIVERSITY OF THE PHILIPPINES
·Major: Business Administration
Experience
CLOSER/FUNDER – ONY GLO, INC.
JULY 2020 – PRESENT
·Draw and review loan documents, fund conventional, FHA, VA loans under RESPA, REG Z and TRID guidelines
·Familiar with NON QM loans, heloc and buydown
·Proficient in doing Initial CD, Revised CD and Post CD
·Wire monies to Title Companies
·Perform quality control audit for accuracy and compliance of loan documentation
·Upload documents for the Shipping Department
·Responsible for clearing post closing deficiencies
CLOSER/FUNDER – MIDAMERICA MORTGAGE
JUNE 2019 – JULY 2020
·Draw and review loan documents, fund conventional, FHA, VA loans under RESPA, REG Z and TRID guidelines
·Proficient in doing Initial CD, Revised CD and Post CD
·Wire monies to Title Companies
·Perform quality control audit for accuracy and compliance of loan documentation
·Upload documents for the Shipping Department
CLOSER/FUNDER (FHA/VA AND CONVENTIONAL) CALIBER HOME LOANS (BANC HOME LOANS) JANUARY 2009 – SEPTEMBER 2018
·Draw and review loan documents, fund conventional, FHA, VA loans under RESPA, REG Z and TRID guidelines
·Proficient in doing Initial CD, Revised CD and Post CD
·Wire monies to title companies.
·Perform quality control audit for accuracy and compliance of loan documentation.
·Ship collateral and loan files for investors with compliance.
·Responsible for clearing post closing deficiencies.
FUNDING MANAGER (PRIME/ALT-A/SUBPRIME) COUNTRYWIDE HOME LOANS NOVEMBER 1996 – SEPTEMBER 2007
·Supervised a team of 8 funders and doc drawers.
·Managed efficient flow from docs to funding for wet/dry states with compliance.
·Managed lock expiration desk.
·Responsible of shipping and imaging loan files to investors with proper documentation (Note, Deed of Trust, Final Truth in Lending, etc.)
·Responsible for balancing wires, monthly exception reports and post closing functions related for servicing.
·Provided training and performance feedback.
SENIOR LOAN SPECIALIST COUNTRYWIDE HOME LOANS
·Draw and review loan documents, fund conventional, FHA, VA, CHDP, CHAFA, CALPERS and sub-prime loans under RESPA, REG Z guidelines.
·Assist loan brokers and escrow officers with any funding issues.
·Wire monies to title companies, issue broker checks.
·Ship collateral and loan files for investors with compliance.
·Responsible for clearing post closing deficiencies.
·Prepare and package loan documents, process new loan applications, verification of mortgage, employment and assets, order and clear out title, send out demands, order appraisal, fire insurance endorsements.
UNDERWRITER COUNTRYWIDE HOME LOANS
·Analyzed and gave recommendation for Prime/Alt-A/subprime loans.
·Knowledge of FNMA/Freddie Mac underwriting guidelines.
QUALITY CONTROL SPECIALIST/AUDITOR FIRST FRANKLIN FINANCIAL CORPORATION OCTOBER 1995 – AUGUST 1996
·Responsible for the accuracy and compliance of loan documentation.
·Reviewed loan documents to ensure program compliance for conforming, non-conforming, second TD loans.
COMPUTER PROFICIENCY:
Microsoft Word, Excel, 10-key
Datatrac, Docmagic
Encompass