Mortgage Underwriter Loan

Location:

Milford, PA

Posted:

March 02, 2023

Contact this candidate

Resume:

JANICE A. HERNANDEZ

OBJECTIVE

I have been in Banking for 17 years, worked in Management,

Relationship Building, Banking operations, my objective is to work for a lender that carries the same values as I do and that is the customer comes 1st. And give’s outstanding customer service.

EXPERIENCE

NP INC Boca Ratan, FL

RELATIONSHIP MANAGER 12/2021 - 10/2022

Relationship Manager in Wholesale division, assisting 3 Account Executives, received and reviewed all

incoming mortgage documentation, Answered, and followed up on outstanding Conditions, left file ready for underwriting, updated all fields in Encompass, Answered all Broker questions

in a timely manner. Fulfilled conditions cleared conditions, Ordered CDA’s, Pipeline Management to adhere

to close dates, received the file at Initial Approval, and handled all aspects of the file to its ECD.

Homepoint Ann Harbor, MI

RELATIONSHIP MANAGER TO JUNIOR

UNDERWRITER

10/2020 -

12/2021

Started as a Loan Co-coordinator in their Wholesale division, assisting 3 Account Executives, received and reviewed all incoming mortgage documentation, Answered, and followed up on outstanding Conditions, left file ready for underwriting, updated all fields in Encompass, Answered all Broker questions in a timely manner. Fulfilled conditions cleared conditions. Preformed all aspects of Junior Underwriter. Moved into an Underwriting support Role, currently preform, all aspects of Underwriting Review and condition for outstanding conditions, run AUS and DU, review Appraisals, Condo Master Policies, Prelim Title Commitment. Review conditional approval, and request new conditions, Clear the files for Clear to close, Issue CTC and final approval with Final approval documentation sent to the Client. Verbally reach out to the Client with additional conditions needed, preform excellent customer communications, Update Encompass and make sure URLA is accurate. Clear Fraud Alerts, Review SSR's Calculate self-employed borrowers Income, cross check with Comparable income Analysis, preform liquidly test. Review bank statements, and condition for large deposits. Review HOI Dec page and Flood Insurance Dec Page. Resolve all DU and AUS inaccuracies. Send out updated Conditional Approval.

Get A Rate Hackensack, NJ

SR LOAN PARTNER 09/2019 - 10/2020

Support 8-16 loan officers, submit clean files to processing checking income, Conditions, requesting conditions. Ordering the work number, adding file contacts, working with borrowers to collect conditions. Also working with Digital Application, collecting conditions preparing the files. Interacting with borrowers. Working with processing and underwriting to clear conditions. Homeside Financial State College, PA

SR LOAN PARTNER 07/2017 - 09/2019

Process and secure loans for 8 loan officers, Disclosed Loans, made direct contact with borrowers, collect all initial conditions for initial underwrite, ran DU, LP for approvals, communicated with Borrowers and Realtors submitted files to CONTACT

570-***-****

Milford, PA

EDUCATION

High school graduate or

equivalency certificate (GED)

English Lit

Castlederg High School

09/1980 - 06/1987

SKILLS

• Commercial Property

• financial analysis

• Financial Statements

• Lending

• Residential and DSCR Mortgages

• Origination

• daily maintenance

• appraisals

• Transparency

• Time Management

• Mortgage Loan Officer

• industry~accountancy

• Pipeline Management

• Relationship Building

* Negotiation

* Efficiency

* Team Player

* Honest

* Hardworking

* Customer Service

* Computer Skills

* LOS System (Encompass)

* Ethical and Loyal.

* Sales

* Banking Operations.

* Attention to Detail

* CRM System (Sales force, Jungo)

JANICE A. HERNANDEZ

Processing. Helped processing when needed to collect conditions. Updated CRM system and entered all pertinent dates. Gave 1st class service to Borrowers and Realtors.

MB Financial Kingston, NY

SR MORTGAGE LOAN OFFICER 04/2015 - 07/2017

Assist all borrowers with purchase and refinance transactions, Run DU LP, GUS collect all supporting documentation from borrowers, structure loans according to borrower’s needs, work with Processor to order title and order Appraisal, Lock rates, price loans, Work with Underwriter to clear file to close, answer all questions to Realtor and Borrower keeping them in the loop of the mortgage process. also Correspond with Attorney and Bank attorney if NY transaction. Clear all conditions to close.

M & T Bank Elmwood Park, NJ

SR MORTAGE LOAN OFFICER 10/2014 - 04/2015

Assist all residential borrowers with their home buying financing, Run Credit, DU Operate LOS system, run AUS, collect all supporting documentation, structure the loan to suit borrower's needs, correspond with Borrower and realtor with updates

JP Morgan Chase Montague, NJ

SR LOAN OPERATIONS OFFICER 10/2013 - 10/2014

Assist all borrowers with all aspects of mortgage lending, meet sales goals, and perform all tasks Provided, ability to work remote and to be self-efficient, provided expert financial advice on mortgage and both educational and personal loans. Executed the loan origination process, including ordering credit reports, appraisals, and preliminary title reports. Meet quarterly sales goals, Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research. Provided expert financial advice on mortgage and both educational and personal loans. Real Estate Mortgage Network Cedar Knolls, NJ

SR MORTGAGE LOAN OFFICER 09/2011 - 10/2013

Assist borrowers with all loan programs such as Purchase and refinances cash out loans, debt consolidation, 1st time home buyers, Managed Processors, overseen loan process to close in a timely Manner for my borrower, Performed daily maintenance of the loan applicant database. Adhered to all federal and state compliance guidelines relative to retail mortgage lending. Analyzed applicants' Financial status, credit, and property evaluation to determine feasibility of granting loan. Determined appropriate rate locks, issuance of disclosures, overage and underage waivers, and fee waivers. Educated customers on the variety of loan products and available credit options. Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research. Professional Financial Lending Milford, PA

MORTGAGE LOAN OFFICER 02/2006 - 09/2011

Assist all 1st time home buyers with their 1st home purchase, collect all supporting documentation to support loan process, run credit, read credit report, analyze credit report, fit borrower with the correct loan program, adhered to all federal and state compliance guidelines relative to retail mortgage lending, Interviewed an average of 10 mortgage loan applicants per month. Performed daily maintenance of the loan applicant database. Analyzed applicants' financial status, credit, and property evaluation to Determine feasibility of granting loan. Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers. Educated customers on the variety of loan products and available credit options. Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research.

QUALIFICATIONS AND ACHIEVEMENTS

State of NJ & PA Mortgage Loan Originators License 06/10/2010 CERTIFICATIONS AND LICENSES

PA & NJ Mortgage Loan Originators License, State of PA & NJ - Pennsylvania Issue Date: 06/01/2010

JANICE A. HERNANDEZ

REFERENCES

Name: David Skinner

Job Title: AVP Operations Manager

Years Known: 1

Day Phone: 518-***-****

Email: ********@**************.***

Name: Jessica Stone

Job Title: Sr Relationship Manager