Denise Cortez

Senior Loan Processor

Orange, CA *2869

adw4cz@r.postjobfree.com

+1-949-***-****

To maintain a challenging and rewarding position in the mortgage industry. Authorized to work in the US for any employer

Work Experience

Sr. Loan Processor

American Financing Corporation - Aurora, CO

September 2019 to January 2023

• Processed applications for all loan programs submitted by loan officers in corporate office. FHA/CONV/ VA/PURCHASES

• Contacted applicants for intro call and status of loans.

• Communicated with realtors and attorneys regarding status of loans.

• Re-priced and rework loans to qualify.

• Requested supporting documentation such as voes, title reports, vods, appraisals, income, etc.

• Submitted files to underwriting department for review of documentation received for approval and sign off.

• Completed files for closing and reviewed alta statements with clients.

• Scheduled signing appointments with clients and notaries.

• Coordinated with funders to confirm receipt of signed loan documents back from escrow.

• Obtain funding conditions requested from funders for underwriting.

• Informed clients of funding and confirmed escrow of disbursement. Senior Loan Processor

Nationstar Mortgage - Santa Ana, CA

January 2017 to August 2019

• Processed applications for all loan programs submitted by loan officers in corporate office. FHA/CONV/ VA/PURCHASES

• Contacted applicants for intro call and status of loans.

• Communicated with realtors and attorneys regarding status of loans.

• Re-priced and rework loans to qualify.

• Requested supporting documentation such as voes, title reports, vods, appraisals, income, etc.

• Submitted files to underwriting department for review of documentation received for approval and sign off.

• Completed files for closing and reviewed alta statements with clients.

• Prepped loan documents for signing with DOCMAGIC system.

• Scheduled signing appointments with clients and notaries.

• Coordinated with funders to confirm receipt of signed loan documents back from escrow.

• Obtain funding conditions requested from funders for underwriting.

• Informed clients of funding and confirmed escrow of disbursement.

• Trained processors the workflow of purchase money. Senior Loan Processor

Cash Call - Orange, CA

September 2015 to December 2016

• Processed applications for all loan programs submitted by loan officers in corporate office. FHA/CONV/ DURP/OA/STREAMLINES/PURCHASES

• Contacted applicants for intro call and status of loans.

• Requested supporting documentation such as voes, title reports, vods, appraisals, income, etc.

• Submitted files to underwriting department for review of documentation received for approval and sign off.

• Completed files for closing and reviewed alta statements with clients.

• Prepped loan documents for signing with DOCMAGIC system.

• Scheduled signing appointments with clients and notaries.

• Coordinated with funders to confirm receipt of signed loan documents back from escrow.

• Obtain funding conditions requested from funders for underwriting.

• Informed clients of funding and confirmed escrow of disbursement. Senior Loan Processor

Loan Depot - Foothill Ranch, CA

May 2013 to September 2015

• Processed applications for all loan programs submitted by loan officers in corporate office. FHA/CONV/ DURP/OA/STREAMLINES

• Contacted applicants for intro call and status of loans.

• Requested supporting documentation such as voes, title reports, vods, appraisals, income, etc.

• Submitted files to underwriting department for review of documentation received for approval and sign off.

• Completed files for closing and reviewed alta statements with clients.

• Prepped loan documents for signing with DOCMAGIC system.

• Scheduled signing appointments with clients and notaries.

• Coordinated with funders to confirm receipt of signed loan documents back from escrow.

• Obtain funding conditions requested from funders for underwriting.

• Requested wires to be sent to disburse funds.

Senior Loan Processor

New American Funding - Tustin, CA

August 2011 to May 2013

• Processed applications submitted by loan officers in corporate office. FHA/CONV/DURP/OA/ STREAMLINES

• Contacted applicants for initial calls on status of loans.

• Requested supporting documentation such as voes, title reports, vods, appraisals, income, etc.

• Submitted files to underwriting department for review of documentation received for approval and sign off.

• Prepped files for closing and sent out doc orders to loan officers for review.

• Received doc order from loan officers and submitted files to closing department for loan documents to be prepared.

• Coordinated with fun-ders to confirm receipt of signed loan documents back from escrow.

• Obtain funding conditions requested from funders for underwriting.

• Received confirmation from funders regarding disbursement of funds to escrow companies. Loan Document Specialist/Relationship Specialist

Wells Fargo Home Mortgage - Santa Ana, CA

March 2009 to August 2011

• Processed applications submitted on AOW by all branches worldwide. FHA/CONV/DURP/OA/ STREAMLINES

• Contacted HMC and Branch Managers for initial calls on status of loans.

• Requested supporting documentation such as voes, title reports, vods, appraisals, income, etc.

• Submitted files to underwriting department for review of documentation received for approval and sign off.

• Prepped files for closing and sent out doc order to HMCs for review.

• Received doc order from HMCs and submitted files to closing department for loan documents to be printed.

• Obtained promotion as a Relationship Specialist coaching others the process of Wells Fargo guidelines.

• Printed and distributed 4506t results to all Loan Document Specialists for review.

• Managed a team of Loan Documents Specialists with daily process.

• Assigned new files that were received at fulfillment center.

• Assisted team lead manager with daily duties and prepared reports.

• Reviewed loan pipelines for all Loan Document Specialists making sure files close accordingly.

• Assisted team lead manager to expedite process on loans requested from HMCs.

• Communicated with Regional Managers and Branch Managers regarding monthly goals. Sr. Loan Processor

Union Bank of California - Brea, CA

May 2008 to March 2009

• Processed all applications submitted by 11 local branches. FHA/CONV/DURP/OA/STREAMLINES

• Contacted clients for initial contact to verify terms of loan.

• Reviewed documentation submitted by branch officers to qualify clients for loan.

• Requested paperwork from clients such as insurance, mortgage statements, income, etc.

• QC title reports and appraisals to determine value of property.

• Received document draw instructions from clients to type loan documents.

• Typed loan documents and remoted to branches for signing.

• QC signed loan documents and prepped files for booking.

• Requested recording confirmation from title companies for deed of trusts.

• Prepared funding tickets for all disbursements and booked loans.

• Sent wires and overnighted client's proceeds to home address. Sr. Loan Processor/Escrow Officer

All American Lending - Newport Beach, CA

November 2006 to May 2008

• Worked with numerous banks such as Encore, Indymac, Wells Fargo, Mortgage Express, Fremont Investment and Loan, Greenpoint Mortgage, Washington Mutual, Pacific Residential and many more.

• Managed escrow department using Virtual Escrow system.

• Worked with 25 loan officers and 1 sales manager.

• Processed over 30 loans in the sub-prime, FHA and A-paper programs.

• Ordered title and escrow threw company's in-house escrow division.

• Coordinated appraisal reports with clients to obtain value of home.

• Requested credit reports from credit bureaus to determine client's qualifications.

• Calculated income documentation to verify monthly housing expenses.

• Submitted requests for payoffs, verification of employment, payment histories, closing statements, satisfactions of judgments/liens, closing protection letters, and much other documentation to support loan for funding.

• Requested loan documents from lenders and prepared them for signing with notaries.

• Funded many loans and requested wires to be sent to our escrow unit for recording.

• Set up mortgages to record and received recording confirmation for County's Recorder Office.

• Cut checks and balanced files for disbursement.

Sr. Loan Processor/Manager

Help U Finance - Santa Ana, CA

July 2004 to January 2006

• Worked with numerous banks such as Encore, Fremont Investment and Loan, Greenpoint Mortgage, Indymac, Washington Mutual, WMC, New Century Mortgage and many more.

• Managed company's processing department to meet monthly quota.

• Worked with 40 loan officers and 3 branch managers.

• Processed over 50 loans in sub-prime and A-paper programs.

• Ordered title and escrow with many escrow companies nationwide.

• Coordinated property inspections with clients to obtain reports for value of home.

• Requested documentation such as payoffs, verification of employment, payment histories, closing statements, satisfactions of judgments/liens, closing protection letter and much more to support loan for funding.

• Emailed loan documentation to escrow officers for signing and review.

• Funded many loans and requested wires to be sent to title and escrow companies.

• Received recording confirmation from County Recorder's Office. Account Manager

Olympus Mortgage Company - Orange, CA

May 2004 to July 2004

• Processed over 50 loans a month in the company's sub-prime programs.

• Worked with 4 account executives to meet monthly quota.

• Ordered appraisal reviews daily with company's appraisal department.

• Coordinated submitted loans with numerous brokers nationwide.

• Received and analyzed documentation from broker's to meet company's guidelines.

• Emailed and shipped loan documentation to be signed to required locations.

• Reviewed signed legal documents for correct signatures and submitted them to funding department.

• Wired funds to numerous escrow companies for disbursement to clients.

• Received recording confirmation from County Recorder's Office. Account Manager

Fremont Investment & Loan - Anaheim, CA

March 2004 to May 2004

• Processed over 50 loans a month in the company's sub-prime programs.

• Worked with company's top account executive to meet monthly quota.

• Coordinated submitted loans with numerous brokers nationwide.

• Received an analyzed documentation to meet company's guidelines.

• Emailed and shipped loan documents to be signed to required locations.

• Reviewed signed legal documentation for correct signatures and submitted them to funding department.

• Wired funds to numerous escrow companies for disbursement to clients.

• Received recording confirmation from County Recorder's Office. Loan Coordinator/Underwriter

Ameriquest Mortgage - Orange, CA

January 2002 to January 2003

• Worked with 12 loan officers and operation managers.

• Ordered credit reports to qualify customers for financing.

• Underwritten sub-prime loans and approved over 50 applications a month.

• Processed numerous applications for 1st and 2nd mortgages for customers nationwide.

• Ordered title reports, appraisals, verifications of employment, verification of mortgage, payment histories for mortgages, payoffs, quitclaims, wiring instructions, signing services, and closing statements to support customer's loans.

• Coordinated closings with many escrow officers.

• Funded and disbursed numerous loans for receipt of funds to customers.

• Received recording confirmations from County's Recorder's Office. Education

certificate in Computer Information Systems

Fullerton College JC - Fullerton, CA

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