Loan Processor Mortgage

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E D U C AT I O N:

North Carolina A&T State University

Bachelors of Science 2014

Business Concentration

Philosophy Minor

C O M P U T E R S K I L L S:

Proficiency in Microsoft Office Suite

(Word, Excel, Power Point, Outlook),

Microsoft Windows XP, NT, and Vista,

Internet Explorer, Oracle, Lotus

Notes, Subway, PeopleSoft, Adobe,

Adobe Professional,AS400Proficiency

And SAP. Working knowledge of the

LIS and LPS Desktop systems, general

ledgers, Fortracs, Loan IQ, Data Trac

and Calyx Point, Used TMO, LSAMS,

IVR, Quantum, Blitz, Real EC, FHA

Connection, Empower and

Encompass. Also familiar with TRID

I N V O L V M E N T S:

-Executive Board, Sandy Ridge District

Youth Congress, NC/VA

-Volleyball/Basketball Summer Camp

Director, Pilot Mountain, NC

-Varsity Assistant Basketball Coach

East Surry High School

-Venture Café, Ambassador, Winston-

Salem, NC

-Young Black Millennial Professionals

of Winston Salem, NC

.

O B J E C T I V E

Goal oriented Loan Processor with over 5 years of experience in the mortgage industry

(retail, wholesale, and servicing), inclusive to; loan originations, purchase, refinance, loss mitigation, investor services, as well as consummating managerial duties. I would like the opportunity work with a progressive organization where I can apply my education, leadership, and sales/management skills to help fund 40+ loans monthly. E X P E R I E N C E

American Financial Network

Senior Loan Processor, January 2019-November 2022

● Analyzed financial statements, tax returns, credit reports and DTI to determine credit worthiness of borrowers.

● Reviewed each loan file to verify documents are present, accurate and sufficiently complete for an underwriting decision (including satisfying DU requirements ad calculation of income prior to underwriting submission).

● Ensured rules, obligations, timelines and deadlines were met to comply with company policy, contracts, and investor guidelines, lending program and state/federal laws and regulations.

● Verified with Borrower accuracy of all information entered into Empower when required.

● Prepared and sent out loan closing documents to closing agent in a timely manner to coincide with scheduled signing date.

● Conducted professional and courteous communication with each other applicant, loan officer, underwriter and any appropriate third party about the loan application status and issues needing resolution.

● Processed FNMA, FHLMC, FHA (Purchases and Refinances, IRRRLs and Cash-out), FHA Streamline, DU Refi Plus, Conforming, Bond (CALHfa), JUMBO and Conventional loans. Lenox Financial

Senior Mortgage Processor, June 2016-December 2018

● Made introductory call to borrower upon receiving the loan file and continued communication throughout the process of the loan.

● Verified with Borrower accuracy of all information entered Mortgage Online system

(MOL) and Dashboard when required.

● Verified receipt of welcome kits, preliminary loan disclosures and application.

● Verified and documented all AUS requirements and resubmits.

● Submitted loan files to the Underwriting Department and cleared all underwriting conditions.

● Reviewed with borrower estimated final HUD-1 and confirmed loan transaction detail.

● Prepared and sent out loan closing documents to closing agent in a timely manner to coincide with scheduled signing date.

● Prepared and submitted loan file to funding department and clears all funding conditions

● Processed FNMA, FHLMC, FHA/VA, FHA Streamline, DU, DU Refi Plus, Conforming/Non- Conforming and Conventional loans

Carolina One Mortgage

Loan Processor (contractor), January 2014-May 2016

● Reviewed all new loan application requests and ensured that all required forms and/or documentation was provided by the borrower

● Prepared and sent out all pertinent regulatory compliance disclosure material and perform required research of verifications

● Reviewed loan packages to ensure compliance with investor guidelines and submitted them to Underwriting for approval

● Managed loan pipeline and communicated the status of all loans to each principle party involved

● Communicated directly with the LO to obtain information and/or documentation necessary to make a loan decision

● Ordered flood certifications, appraisals, credit reports and credit supplements. Surry County Schools

Educator, August 2014-May 2016

● Managed and stimulated classrooms of 20+ students

● Responsibilities included teaching lessons, facilitating testing, grading assessments, parent communications, and coordination of extracurricular and athletic activities. JOLO Winery and Vineyards

Product Sales Consultant August 2014-January 2016

● Catered to all guest needs and provided wine and food services along with consistently coordinating the sale promotion of products and spirits.

● Maintained professionalism while multitasking, handling crowds of up to 350 guests, resolving customer issues and excelling within high volume demand settings.

● Kept records of every sales and settlement transaction needed to properly account for sales quota.

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