SKILLS

PROFESSIONAL SUMMARY

WORK HISTORY

JANETTE OCHOA

626-***-**** • advh5f@r.postjobfree.com • Monterey Park, CA 91754 Results-oriented Loan Processor who is highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. Over 20 years of experience in loan processing and mortgages. Extremely goal oriented with excellent oral and written skills. Energetic and self-driven. Recognized for work ethic and attention to detail. Fluent in both English and Spanish Borrower Correspondence

Complaint Handling

Credit Verification

Attention to Detail

Customer Service

Desktop Underwriter

Creditworthiness

Determination

Income Evaluation

Status Updates

Application Process

Management

Dedicated Work Ethic

Nov 2015 - Aug 2022

Foothill Ranch, CA

Executive Sr. Loan Processor / LoanDepot, Inc.

Evaluated approvals against established bank and government lending standards.

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

Handled any conditions sent from underwriting departments. Set up and completed loan submission packages.

Processed FHA, VA and Conventional loans assuring

compliance with Industry guidelines.

Liaison between borrowers, mortgage consultants and closing agents

Managed workload efficiently to meet strict deadlines Managed, reviewed and analyzed loan applications for accuracy, reviewed income documentation and calculated income for new loan applications

Ordered and reviewed both Credit and Title Reports for liabilities, liens and judgements

Communicated with Escrow and Title companies to ensure closing of file in a timely manner

Responsible for data integrity and quality of loan files EDUCATION

May 2015 - Nov 2015

Cerritos, CA

Loan Processor/Junior Underwriter / SunWest Mortgage Company 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.

Worked with customers in person and via telephone to answer questions, process transactions and resolve issues. Processed loans within various departments to achieve timely, accurate and fair proceedings.

Apr 2003 - Apr 2015

Brea, CA

Customer Relationship Manager / Bank Of America

Reinforced established quality control standards and followed procedures for optimal customer interactions.

Monitored metrics and developed actionable insights to improve efficiency and performance.

Conducted training and mentored team members to promote productivity, accuracy and commitment to friendly service. Managed customer relations on ongoing basis to maximize customer retention.

Primary point of contact for borrowers assisting customers through home retention options.

Analyzed borrower modification options by evaluating financials and eligibility based on investor guidelines

Analyzed applicant's financial status, credit and property evaluations to determine feasibility of granting home loans Assisted customers in accomplishing their financial needs and goals by taking a consultative approach and presenting the features and benefits of the programs available

Alhambra, CA High School Diploma

Alhambra High School

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