Mortgage Processor Customer Service
Resume:
Tanya Croom
Signal Hill, CA 90755
Phone: 951-***-****
E-mail: adv93r@r.postjobfree.com
Objectives
I am currently looking for a new opportunity in an organization that will allow me to optimize my current and previous experience in the mortgage lending industry. A position that will utilize my extensive knowledge and successful experience in planning and organizing, while offering opportunities for personal contributions and professional growth. B.S. Applied Studies, Minor: Communications (2000 California State University Dominguez Hills. Carson, CA)
• CBEST, CSET
Experience
Mortgage Processor - Private Banking - Residential Retail (April 2022 - Present) First Republic Bank. (Los Angeles, CA) - InsightGlobal (Contract).
• Conduct thorough review and evaluation of borrower loan file: at FRB our primary loans are LLCs and Blind Trust clients. Pulling credit reports and supporting information, full income spreadsheets to prequalify clients, income documentation-income calculation worksheet along with asset documentation, purchase contracts, order escrow/title reports, HOAs, insurance and flood information and appraisals, apply pricing and rate locks.
• Acting as the liaison between the clients, Relationship Managers, and the Operations team. In the Relationship Management team support, I document, process, and underwrite both residential and commercial loan.
• Submitting files, requesting loan conditions, as well as communicating with clients, escrow agents and realtors. Handles customer inquiries, researches, and ensures appropriate and timely resolution while meeting all regulatory compliance and achieving a high level of customer service.
• Mortgage operating systems: NetOxygen.
• Flexibility to work in a high volume fast paced environment. Mortgage Processor - Wholesale/ DTC/Retail (September 2020 - January 2022) NewRez Mortgage. (Fort Washington, PA)
• Conduct thorough review and evaluation of borrower loan file: Credit reports and supporting information, income documentation-income calculation worksheet along with employment verification, asset documentation, purchase contracts, title reports, insurance and flood information and appraisals.
• Order credit supplements, appraisal, DU, LPU, title & escrow documents, SSA verification, flood cert, VVOE and 4506-T verification.
• Proactive in checking documentation for accuracy and potential red flags.
• Full knowledge of regulatory and compliance guidelines, particularly GFE, TIL, and Estimated HUD-Loan Estimate and Closing Disclosure effective. Ability to re-disclose and accurately complete Change in Circumstance when needed, meeting required disclosure waiting periods.
• Analyze underwriting conditions and request necessary items. Clearly and quickly communicate to the loan team what is needed from the borrowers, Escrow & Title and items you are working to obtain and follow up as needed.
• Request, review and balance to HUD-Closing Disclosure prior to ordering loan documents.
• Review and satisfy prior to funding and post-closing conditions when required.
• Maintain excellent customer service with internal and external clients.
• Maintain professional working relationship and transparent communication with direct manager, Underwriter, Loan Officer and Loan Officer Assistant
• Knowledge of Fannie Mae, Freddie Mac, FHA/VA loan process and standard guidelines
• Mortgage operating systems-EPIC
• Experience with Paperless and E-Documents
• Experience with Microsoft Office Suite: Outlook, Excel, Word
• Ability to multi task and shift priorities.
• Flexibility to work in a high volume fast paced environment. Mortgage Processor (Temporary Assignment) (June 2020 - September 2020) Golden One Credit Union (Sacramento, CA)
• Conduct thorough review and evaluation of borrower loan file: Credit reports and supporting information, income documentation-income calculation worksheet along with employment verification, asset documentation, purchase contracts, title reports, insurance and flood information and appraisals.
• Order credit supplements, appraisal, DU, LPU, title & escrow documents, SSA verification, flood cert, VVOE and 4506-T verification.
• Proactive in checking documentation for accuracy and potential red flags.
• Full knowledge of regulatory and compliance guidelines, particularly GFE, TIL, and Estimated HUD-Loan Estimate and Closing Disclosure effective. Ability to re-disclose and accurately complete Change in Circumstance when needed, meeting required disclosure waiting periods.
• Analyze underwriting conditions and request necessary items. Clearly and quickly communicate to the loan team what is needed from the borrowers, Escrow & Title and items you are working to obtain and follow up as needed.
• Request, review and balance to HUD-Closing Disclosure prior to ordering loan documents.
• Review and satisfy prior to funding and post-closing conditions when required.
• Maintain excellent customer service with internal and external clients.
• Maintain professional working relationship and transparent communication with direct manager, Underwriter, Loan Officer and Loan Officer Assistant
• Knowledge of Fannie Mae, Freddie Mac, FHA/VA loan process and standard guidelines
• Mortgage operating systems-Encompass
• Experience with Paperless and E-Documents
• Experience with Microsoft Office Suite: Outlook, Excel, Word
• Ability to multi task and shift priorities.
• Flexibility to work in a high volume fast paced environment. Mortgage Processor (May 2018 - May 2020)
Freedom Mortgage Corporation (San Dimas, CA)
• Conduct thorough review and evaluation of borrower loan file: Credit reports and supporting information, income documentation-income calculation worksheet along with employment verification, asset documentation, purchase contracts, title reports, insurance and flood information and appraisals.
• Order credit supplements, appraisal revisions, title & escrow documents, SSA verification, flood cert, and 4506-T verification.
• Proactive in checking documentation for accuracy and potential red flags.
• Full knowledge of regulatory and compliance guidelines, particularly GFE, TIL, and Estimated HUD-Loan Estimate and Closing Disclosure effective. Ability to re-disclose and accurately complete Change in Circumstance when needed, meeting required disclosure waiting periods.
• Analyze underwriting conditions and request necessary items. Clearly and quickly communicate to the loan team what is needed from the borrowers, Escrow & Title and items you are working to obtain and follow up as needed.
• Request, review and balance to HUD-Closing Disclosure prior to ordering loan documents.
• Review and satisfy prior to funding and post-closing conditions when required.
• Maintain excellent customer service with internal and external clients.
• Maintain professional working relationship and transparent communication with direct manager, Underwriter, Loan Officer and Loan Officer Assistant
• Knowledge of Fannie Mae, Freddie Mac, FHA/VA loan process and standard guidelines
• Mortgage operating systems-Encompass
• Experience with Paperless and E-Documents
• Experience with Microsoft Office Suite: Outlook, Excel, Word
• Ability to multi task and shift priorities.
• Flexibility to work in a high volume fast paced environment. Substitute Teacher K-12 (December 2014 - January 2018) Kelly Educational (Long Beach, CA)
• K-12 Instruction (All Subjects) Short-term/Long-term substitute assignments
• Ability to Follow & Create Lesson plans: Lecturing, assigning homework, administrating exams, Proctor for CA State Test: CAHSEE.
• Provide one-on-one assistance and instruction for students performing below minimum academic achievement levels.
• Student Records management: record student progress, input grades, track attendance, and provide student progress for IEP students.
• Classroom Management & Discipline.
• Parent/Teacher/Administration Communication & Conferences.
• Protect and respect the confidentiality of the students. Substitute Teacher -Special Education-K-12 (February 2013 – May 2014) Riverside Unified School District (Riverside, CA)
• K-12 Instruction (All Subjects) Short-term/Long-term substitute assignments.
• Ability to Follow & Create Lesson Plans: lecturing, assigning homework, and administering exams.
• Provide one-on-one assistance and instruction for students performing below minimum academic achievement levels.
• Student Records Management: record student progress and track attendance.
• Classroom Management & Discipline.
• Parent/Teacher/Administration Communication.
• Protect and respect the confidentiality of the students. Mortgage Processor (December 2007 – May 2012)
Wells Fargo Mortgage (San Bernardino, CA)
• Conduct thorough review and evaluation of borrower loan file: Credit reports and supporting information, income documentation-income calculation worksheet along with employment verification, asset documentation, purchase contracts, title reports, insurance and flood information and appraisals.
• Order credit report.
• Full knowledge of regulatory and compliance guidelines, GFE, TIL, and HUD.
• Analyze underwriting conditions and request necessary items. Clearly and quickly communicate to the loan team what is needed from the borrowers, Escrow & Title and items you are working to obtain and follow up as needed.
• Maintain professional working relationship and transparent communication with direct manager, Underwriter, Loan Officer and Loan Officer Assistant
• Knowledge of Fannie Mae, Freddie Mac, FHA/VA loan process and standard guidelines
• Proficient with mortgage operating systems.
• Experience with Microsoft Office Suite: Outlook, Excel, Word
Contact this candidate