Loan Processor Underwriter
Resume:
Temple City, CA *****
*****.***@*****.***
Meiye Pan
OBJECTIVE
Driven professional seeking a challenging role to leverage loan evaluation background and proficiency in multitasking, time management, and working under pressure. I demonstrate a strong work ethic, keen attention to detail, and adaptive problem-solving abilities to excel in dynamic environments.
EXPERIENCE
Nationstar/Mr. Cooper - Santa Ana CA - Underwriter II 09/2020 - 01/2023
● Demonstrated success as a Loan Underwriter with a track record of underwriting and approving 100+ primary agency loans per month, including VA IRRRL
● Maintained an average of over 90+ active loans in pipeline per month
● Analyzing and determining self employed income for Form 1040 Schedule C (Sole Proprietor), Form 1120S (S-Corp), Form 1065 (Partnership) and Form 1120 (C-Corp)
● Maintain a strong focus on details, ensuring that loans are approved within 24 hours of submission
● Review and evaluate loan documents to ensure accuracy, completeness, and compliance with company, federal and agency standards and guidelines
● Analyze customer’s loan to value, debt to income ratio, credit report, application, income, assets and supporting documentation, while identifying potential fraud or misrepresentation
● Review appraisals to ensure that loans meet company and agency standards and guidelines
● Communicate with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize incomplete loan package
● Verify data input is accurate in Encompass to match Automated Underwriting System
(AUS)
● Maintain communication with management on status of loan in process and ensure all tracking is kept up to date on loan status
● Provide coverage for teammate, ability to work independently and remotely CIT/One West Bank - Pasadena, CA - Sr. Loan Processor / Jr. Underwriter 01/2016 - 09/2020
● Pre-underwritten and submitted to Senior Underwriter over 80+ completed and conditionally approved loan files per month
● Reviewed over 100+ conforming and non conforming loan files per month
● Offer recommendation and implement new process for better turn time
● Reviewed credit, income and assets to determine which documentation is needed to complete loan files
● Determine income for salaried and basic knowledge of self employed borrowers
● Assist loan processors with general guideline interpretations and answering questions on specific loan files
● Analyze customer’s loan to value, debt to income ratio, credit report, application, income, assets and supporting documentation to identify potential fraud or misrepresentation
● Verify data input is accurate in Encompass to match Automated Underwriting System (AUS)
● Communicate loan decisions to clients and internal departments in a timely fashion
● Received Employee of the Year award
Bank of America - Brea, CA - Home Services Specialist III 12/2009 - 12/2015
● Cleared conditions within signing authority on nonconforming and conforming purchases and refinance loan applications
● Ordered and reviewed title, appraisal, verification of mortgage history, payoff demands, and any additional documents from third parties as needed to meet loan stipulations
● Responsible for verifying conditions which includes income, assets, credit and any supporting requirements
● Resolved title issues including child support, vesting, judgments, mechanic and undisclosed liens
● Processed subordinations, resolves appraisal dispute and coordinate closing activities
● Maintain a high level of customer service by being proactive in communicating with customers
● Maintain communication with management on status of loan in process and ensure all tracking is kept up to date on loan status
● Trained and assisted entry level loan processors
● Advocate for the team (assist with team goal and provide coverage for any processor out of office)
● Received Top Performance and Top Quality awards
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