Loan Processor Customer Service
Resume:
YESENIA “NIA” GARCIA
**** ******* *** **** * · Whittier, Ca 90601 · Cell: 323-***-****
Email : **********@*****.***
Dear Hiring Manager,
I am contacting you to express my interest as a potential candidate with your organization. After reviewing the positions requirements, I believe that my qualifications and educational pursuit are a great fit with the kind of candidate your company is looking for. I feel confident in my ability to apply the skills I have acquired to meet the needs of your company. As my enclosed resume I am well-rounded and possess a strong skill set in the Mortgage Industry. I work well in a fast-paced environment and have excellent customer service skills. My main goals are to achieve maximum productivity and deliver above average quality control/compliance. I offer above efficient skills and knowledge that you require along with the eagerness to learn. I would greatly appreciate the opportunity to discuss my qualifications with you at your most convenient time. You may contact me at the above email address and or mobile number at any time. Thank you for your time and consideration.
Respectfully,
Yesenia “Nia” Garcia
**********@*****.***
YESENIA “NIA” GARCIA
6343 Canobie Ave Unit 5 · Whittier, Ca 90601 · Cell: 323-***-**** Email: **********@*****.***
KEY SKILLS
• 20 + years of experience in the Mortage Industry – Programs/Guidelines/Knowledge: VA, Conventional, FHA, Hard Money/Construction Reserve/Rehab, and DSCR- Non-QM Loans. Funder/Post-Closing/Doc Drawer/Sr. Loan Processor/Auditor/Compliance/Secondary Marketing
• Proficient with TRID compliance, LE guidelines, and all industry regulatory quality/compliance requirements
• Strong loan system knowledge with emphasis on data quality and integrity.
• Strong analytical and process improvement capabilities with accomplishment of efficiency and gains/cost savings
• Exceptional oral, written and interpersonal skills with the ability to apply tact to carry out instructions, interpret documents, understand policies/procedures, and communicate clearly and effectively to customers and employees
• Strong verbal & written communications skills. Highly organized and pay close attention to detail Adapt easily to new and changing environments Complete assignments with no/little supervision Bilingual/Notary Public
SOFTWARE
• Encompass, Calyx Point, Doc Magic, Lending QB, Doc Velocity, TMO (The Mortgage Office), TED, Real Maestro, GAVAR, MLS, Real-Bird, Intro to Quick books, PowerPoint, Microsoft Word 2010, Excel, Lotus 123, Novel, Genesis 2000, ACAPS, Mortgage Data track, Empower, Email, Outlook, Window 7, CAPTA
WAREHOUSE LINE(S)
• WLS- BOC, First Tennessee, Texas Capital, Bank of The Sierra, Flagstar Bank, Western Alliance and Axos.
EDUCATION
06/2019 AIU-BACHELOR OF SCIENCE- CJ & FORENSIC SCIENCE GPA 3.2-DIPLOMA 09/2010 AIU-AA/BA-BUSINESS MANAGEMENT DEANS LIST-GPA 3.8 DIPLOMA REFERENCES
Available Upon Request
EXPERIENCE
6/2020- PRESENT- WE LENDING- LAKE FOREST, CA 92630 /SENIOR FUNDER/PRE-POST-CLOSING Ensures all mortgage loan documents are properly executed. Review, prepare funding breakdown update and upload all compliance documents in Encompass. Time management on preparing and working crucial files first. Ensure locks are current, approvals and DU/LP’s match. Intro and initiate a funding conditional email to all closing agents, and internal personnel for updates on funding status. complete a funding checklist to ensure accurate auditing of each file. Reconcile funding and wires for closing agents and export to warehouse 3.2. run Mavent/MERS/appropriate milestone. upload final ALTA for pre-prep of PCCD’s and balance. Work close with post-closing to ensure any items that investor will need are uploaded or retrieved and assist in clearing any existing deficiencies. 09/2015-6/2020 - SOVEREIGN LENDING GROUP, INC. COSTA MESA CA/FUNDING MANAGER/DOC DRAWER/DISCLOSURES/PRE-POST-CLOSING
Primary responsibilities consist of all closings. ensure all standards and procedures to produce accurate timely closings. assign pipeline of scheduled closings. ensure final loan documents are reviewed, prepare funding breakdown, wire requests, escrow coordination, and shipment to investor and warehouse tasks are complete. ensure critical timelines for funding, rate expirations, delivery times and funding compliance requirements are met. Additional duties and responsibilities may be assigned as management deems appropriate to better service our primary responsibilities include preparing and coordinating all final loan documentation for completeness and accuracy. audit loan docs of all legal and non- legal documentation, review and compare lock confirmations and approvals. review regulatory compliance, preparing collateral packages for shipment to investors, gather conditions needed to cure deficiencies by investor. 04/2014-9/2015 - AMERICAN INTERBANC IRVINE, CA/FUNDER III/DOC DRAWER/PURCHASE CLEARING Primary responsibilities include preparing and coordinating all final loan documentation for completeness and accuracy. Audit loan docs of all legal and non- legal documentation, review and compare lock confirmations and approvals. Review regulatory compliance, preparing collateral packages for shipment to investors, gather conditions needed to cure deficiencies by investor. Review executed loan documents back for funding, prepare funding conditions, initiate funding requests with warehouse banks and communicate final funding figures to escrow. Software used: Encompass 360. Compare initial, re-disclosures, and COC’s. Clear knowledge and proficient with RESPA, HMDA and TILA regulations, Title Policies, Escrow Instructions, Amendments, Purchase Contracts, Appraisal, Homeowners Insurance, Estimated & Final HUD-1’s, Payoff Demands 11/2011-04/2014 -ANCHOR LOANS, INC. CALABASAS, CA/CLOSER/DOC DRAWER/COMPLIANCE OFFICER Primary responsibilities include reviewing loans, gathering conditions and doc drawing. Ordered appraisals, preliminary reports, payoff demands, audited closed files (pre-loan servicing), export loans when closed (The Mortgage Office). Wire funds, and prepared Lenders Instructions for pre- closings. Prepared Hold Back draws once inspectors approved for rehabs. Assist property runners on all issues before and after listings. Reviewed disclosures, signatures, and stacked files. Utilized Fast Web to order trustee deeds, contacted escrow for any issues, and ensured commission checks and final HUD disclosures received. Assist in all escrow extensions for our clients. Communicated and updated Access Managers, Fannie Mae Direct and BLB resources for HUD homes and Realtors. Input property data into RM for our FHA and conventional loans.
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