Loan Processor
Resume:
Nancy Claibourn
El Mirage, AZ 85335
*******@*****.***
SUMMARY OF QUALIFICATIONS
I have an excellent understanding of all areas of the mortgage loan industry, with loan origination, processing experience for Conventional and FHA Loans and am familiar with all FNMA and FHLMC guidelines. I possess excellent communication skills, strong organizational skills and the ability to prioritize.
EMPLOYMENT
10/19-11/22 New Rez/Sourcepoint Mortgage
Process conventional loans
Direct contact with borrowers to obtain required documentation for underwriting
Coordinate with escrow to Schedule all closings
Request Initial closing disclosures
Request updated title documents when necessary
Submit loans to underwriting for final review or for conditions reviews
Request 1004D’s when necessary
4/2019-10/20- Shellpoint Mortgage-Loss Mitigation Specialist 1
Took multiple calls daily from borrowers or borrowers’ authorized representatives and brokers
Set up payment plans with borrowers as well as taking payments from borrowers
Minimizer loss due to foreclosure through the use of loss mitigation options such as pre-foreclosure sales, loan modifications and repayments plans
Certified that all required actions were taken prior to completing a foreclosure sale
Accurately underwrite the borrower’s income verified with paystubs and tax returns
Handled escalated files appropriately by providing an articulate and complete response (involved management when necessary)
01/18-3/19- Mission Federal Credit Union-Post-Funding Quality Control Specialist
Prepare Final CD to members
Performed analysis of post-funding loan audits to determine level of compliance with investor guidelines
Made recommendations for appeals and disputes of findings
Monitored all outstanding deficiencies are cured with specified timeframes
Reported to Real Estate operations all missing documents and follow up to ensure receipt
Transmitted required final documents to third-party to mitigate findings and defects
Locked rates
In-depth review of all quality control findings (pre/post funding) and defects as reported by third-party vendor
Verified the QC cycle were completed and required reporting was submitted to investor
Debited members bank account for various fees, prepared and prepared checks for various fees
03/17-1/18- Mission Federal Credit Union-TEMP.POSITION -Transaction Coordinator/Real Estate Processor
Prepared and mailed initial and updated disclosures in accordance with regulatory requirements
Debited members accounts for appraisal fees, condo fees
Prepared and check cuts for various fees
Ordered Condo documents
Requested and updated fees from escrow companies to prepare Trid closing disclosures
Managed cancelled/denied applications for compliance
Ordered supporting documentation including title, flood certs, 4506 Transcripts, Verification of Mortgage
07/16-02/17 Summit Funding- Loan Processor
Processed Conventional, FHA and VA Mortgage loans for both purchase and refinance transactions
Direct contact with borrowers/loan officer to obtain required documentation for underwriting
Submitted loans to underwriting for review via Encompass
Reviewed credit reports, analyzed asset and income documentation
Requested initial closing disclosures
Coordinated with escrow for all closings
Requested termite reports, 1004D’s and other documents required for underwriting
05/15-07/16 Caliber Home Loans- Loan Processor
Processed Conventional, FHA and VA Mortgage loans for both purchase and refinance transactions
Direct contact with borrowers/loan officer to obtain required documentation for underwriting
Submitted loans to underwriting for review via H20 Processing System
Reviewed credit reports, analyzed asset and income documentation
Completed Change in Circumstances disclosures as well as closing disclosures
Coordinated with escrow for all closings
Reviewed purchase contracts, followed-up on additional conditions, requested termite reports
10/14-05/15 Insignia Bank- Retail/Wholesale Loan Processor
Prepared initial disclosures and Changes of Circumstances
Ordered appraisals, Flood Certificates, Transcripts, Lexis Nexis reports (background check)
Requested title commitments, worked with title companies for closings in state and out of state
Reviewed information obtained from loan officers for accuracy and completeness
Obtained additional documentation needed from all sources
Submitted loans to investors for review and approvals
Reviewed loan decisions-portfolio and secondary
Worked with Investors to ensure loans were uploaded to their sites for review for final approvals/closing/purchase of loans
Prepared wires for secondary closings and purchase of secondary loans
Sent out NOA letters on denied, withdrawn and incomplete files
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