Loan Processor Underwriter
Resume:
Donna Matthews
Contact
Telephone : 913-***-****
e-mail : *****.**********@*****.***
Address
** ******* ***** ********* ** 65020
Profile
Objective
The opportunity to learn and grow in a progressively forward moving company that promotes employees from within.
Availability
2 weeks
Key Skills
I have been in the industry since 1995; as a loan processor promoted to a Senior loan processor, earned JR underwriting rights to clear and underwrite conventional loans. As a supervisor I monitored the day-to-day operations, pipeline reviews. I have also crossed trained as an originator and a loan closer to provide better custom coaching and training opportunities for the processing staff. I spent 8 months training for the TRID conversion for sending initial disclosures to re-disclosures of the LE to problems shooting for the ELLIE Mae website
Excellent working knowledge using:
LP, DU and GUS
Underwriting systems
Encompass
Bond Programs
ACES
Profile
Mortgage QC Auditor - Bank of England Mortgage October 2016 to Current
QC Auditor for EPD’s and Pre-Funding loans all types including bond loans
Conventional Loan underwriter for purchase and refinance transactions, All LTV and all property types
Risk review of mortgage loan files which includes a review of underwriting analysis including; credit, income appraisal, title, and compliance to reduce risk to the organization.
Validate data on loan application documents with the originations and imaging systems prior to the application moving forward for loan closing.
Validation includes a review of Regulatory related documents, validating the required investor/product documents in order to reduce post funding deficiencies.
Review of all loan files decision from a Branch Underwriter prior to final clear to close.
Performs a complete and thorough review of loan files submitted by underwriting personnel.
The responsible to correct any deficiencies to ensure the successful delivery of the closed loan to the agency or investor post funding.
Essential Functions/Duties: Review file upon receipt from underwriting personnel. File review will include but is not limited to review of all items on the company approved Risk Underwriter Checklist. At Senior Management discretion additional items may be added to the review and checklist, ability to work quickly and efficiently in the time frame set by Senior Management. Customers should not be negatively impacted by the internal audit, risk Underwriter Checklist should be applied uniformly to all selected files. Direct and inter-departmental interaction with Branch Managers, Underwriting and Processing Departments to secure appropriate documentation as required by investors in a timely manner, ability to research agency and investor guidelines for valid information to support prudent business decision, additional duties as assigned by Senior Management.
Mortgage Operations Manager – Bankers Mortgage May 16, 2016 to September 2016
Recruit, manage and train the processors, processor assistants and order out/file setup specialists. Mentor the staff to higher levels of performance and quickly handle disciplinary issues.
Keep loans moving smoothly and efficiently through the pipeline from order out/file setup thorough processing.
Facilitate a smooth file handoff between the retail loan officers/registration specialist and order out/file setup.
Facilitate a smooth file handoff between the processors and underwriting.
Monitor loan status via Encompass reports and dashboards quickly identifying problem loans and bottlenecks.
Communicate loan status and progress with the rest of the APS fulfillment staff.
Communicate loan status and progress with the retail and Shared Points bank originators. Ensure weekly pipeline updates are being conducted with Shared Points banks
Work with the Encompass System Administrator to identify improvements and refinement to the Encompass360 system.
Work with the Chief Operating Officer to smooth the workflow and ensure effective working relationships among the staff.
Monitor loan level compliance. Participate and contribute in audits and exams and implement findings.
Serve as Compliance Committee Chairperson.
Other duties as assigned.
Responsible for on boarding, reviews and disciplinary actions if needed
Disclosure Desk Manger - TruHome Solution June 6, 2014 to May 16, 2016
Extensive knowledge of the disclosure/re-disclosure process (e.g., Change in Circumstance) and forms (e.g., LE and CD).
Exclusively handle all re-disclosures to the borrowers for the company.
Process initial disclosures with borrowers.
Double-check charges and fees listed on documents by originators to ensure completeness and accuracy.
Training with the Training Department directed at compliance and best practices in disclosures/re-disclosures, and provide feedback to the Training Department, so problem areas can be identified and corrected.
Assist the Training Department in providing appropriate training about disclosures to other employees, as needed.
Promote honest and open communication throughout the company.
Demonstrate behaviors that are consistent with the company’s values, philosophies, and leadership characteristics.
Work with other departments to ensure the workflow or process is providing the best service to the members.
Other duties as assigned.
Mortgage Loan Processor, Level III – TruHome Solutions May 21, 2012 – 6/6/2014
Processing of Loans - Application to Closing
Process of FHA, VA and Conventional loans
Audit all documents to ensure accuracy (i.e. appraisals, payoffs, titles, verification of employment, interpretation of Fanny and Freddy guidelines and closing)
Review files in pipeline to submit conditions and loan applications to underwriting
Obtain all loan conditions for all mortgage loans processed
Works directly with Credit Union Members, and partners, in processing loan conditions
Monitoring of loan files - police & detect data integrity errors.
Daily operations of Microsoft Word, Excel and Outlook
Processing of both paper and paperless files
Senior loan Processor – TruHome Solutions May 21, 2012 – 6/6/2014
Opening Residential Mortgage Loans
Processing of Loans (Application to Closing on time)
Processing of FHA, VA and conventional Loans
Processing of soft second mortgages for DPA Programs with Rural Development, Kansas House Authority
Monitoring of loan files (police & detect data integrity errors)
Daily operations of Microsoft Word, Excel and Outlook
Working with applicant on all relative issues to make purchase
OA Manager – TruHome Solutions January 2013 – May 2019
Provided supervision, direction and support for staff with daily tasks, goals and training.
Responsible for organizing, uploading, and preparing all incoming mortgage packaging.
Assisted team in ordering appraisals, title, and all necessary required documentation for each file.
Understanding of every loan program, FHA, CAIVRS, VA, Conventional, and USDA, and all required documentation.
Extensive knowledge of FHA Connection, VA Portal, and Encompass
Provide a safe, positive, goal-oriented environment.
Develop professional relationship with staff
Weekly, monthly and yearly one on one and trainings and reviews.
Professional References Available Upon Request.
Contact this candidate