BRADLEY GERTZ

Palm City, United States *****

adw6jn@r.postjobfree.com / 561-***-****

SUMMARY

Seasoned Loan Processor bringing 20 years of experience in banking and lending positions. SKILLS

Proficient in Encompass 360 and Calyx Point LOS

Troubleshooting

Critical thinking

Multitasking

Team building

Planning & organizing

Problem resolution

EXPERIENCE

Mortgage Loan Processor / American Financing Corporation - Aurora, CO 06/2020 - 07/2022 Created and completed loan submission packages.

Managed conditions sent from underwriting departments. Discussed loan needs and financial histories with clients and conveyed information regarding application processes.

Completed closing process by collaborating with attorneys, title companies and government clerks. Checked approvals against established bank and government lending standards. Upheld compliance with privacy and security requirements, as well as federal statutes covering VA loans. Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval. Contacted outside sources, references and vendors to verify client financial information. Educated clients regarding guidelines and adjustments of loan contracts and packages. Gathered property appraisals, surveys and tax records to update mortgage loan files. Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews. Remote Compliance Underwriter / SitusAMC - Denver, CO 07/2018 - 06/2020 Compliance Underwriting and analysis for Bulk Secondary market loan sales. Underwrote all financial documents, valuation models/appraisals, relevant asset documentation and title/vesting transfer documents from origination to verify compliance with state and federal regulations\ Worked title specific projects to determine current vesting and lien position at time of loan transfer ensuring lenders lien position.

Assigned to special projects in April 2020 as part of a contract with Bank of American to underwrite federal paycheck protection loans.

Sr. Loan Processor / Foundation Mortgage - Juno Be, FL 02/2015 - 03/2018 Processing FHA, VA and Conventional Mortgage applications. Processing and completing initial Underwriting reviews on each loan Review each loan file for according to guidelines for that particular transaction. Cleared all conditions post underwriting

BG

Review and approval of Closing Disclosures and any post closing items. Mortgage Loan Processor / Seacoast National Bank - Stua, FL 06/2013 - 02/2015 Managed a pipeline consisting of FHA, VA, Conventional and bank portfolio products. Completed initial pre underwriting reviews

Collected all pre underwriting conditions in order to submit a clear and complete underwriting package Completed closing HUD review and approval in coordination with the closing department. Completed closing process by collaborating with attorneys, title companies and government clerks. Upheld compliance with privacy and security requirements, as well as federal statutes covering VA loans. EDUCATION AND TRAINING

High School Diploma 06/2000

Mt. Hope High School - Bristol, RI