INEABELL R. RAMOS

Parlin, NJ adwank@r.postjobfree.com 732-***-**** LinkedIn URL: www.linkedin.com/in/ineabell-ramos-3b69855b DETAIL ORIENTED MORTGAGE & LOAN PROCESSING PROFESSIONAL Strategic Junior Underwriter/ Senior Mortgage Loan Processor and Team Leader with progressive experience working for mortgage companies and financial institutions effectively assisting clients with excellent problem solving and communication skills. A demonstrated history of leadership positions in a high-volume fast paced mortgage lending industry with a high degree of change. The proven ability to think strategically and respond in a dynamic environment with a solid knowledge of operational procedures. Outstanding verbal and written communication skill set, which includes strong presentation and interpersonal skills.

SKILLS

Paperless; Digital; DU; LP/Freddie; VA; BSA/AML/OFAC rules and regulations, Commercial Lending-Stated loans and 5/1 Arms, CO-OP; 203K Loans; Reverse Mortgages; CEMA, Wholesale Lending; Syndicate and Evergreen Loan; Bilateral Agreements, Loan Operations; Bulk; Byte; PCL Services; Pro Lender; XDOCS; EPIC; Encompass, Blitz Docs; Calyx Point Software; Morgageware TC; Provantedge; Mortgage Flex; FHA Connection; Team Builder; Leadership; Customer Service; Team Player; Administrative; Customer Service/Relations; Microsoft Access, Excel, Office, Outlook, Word, Policy Analysis, Financial Analysis, Bankruptcy, Foreclosure, Loss Mitigation, Collections, Servicing, Office Management. WORK EXPERIENCE

Movement Mortgage, LLC, Indian Land, SC December 20, 2021 to October 14, 2022 Loan Processor

• Conventional; FHA; VA/IRRL Loans; New Construction Loans;.

• FHA Connection Case Number Assignments & CAIVR.

• Pre-underwrote off way loan was structured and Fannie & Freddie Guidelines.

• Review Approval and request borrower conditions.

• Re-run DU/LP after any changes and/or revisions.

• Correspond with title companies on pending outstanding conditions.

• Correspond with clients regarding open conditions.

• Cleared data verify, requested revised flood certs, completed SSA verification, order transcripts.

• Order and review homeowner's insurance, mortgage insurance and title to make sure that they are accurate and all matches.

• .Order WVOE's and VOE's, COE's etc.

• Managed all assigned loans within established turnaround timelines.

• Pipeline calls twice a week with my assigned branch Source Point, Palm Bay, FL August 17, 2020 to December 10, 2021 Loan Processor

• Trained new processors and managed pipeline for myself and trainee's.

• Conventional Refi's

• Pre-underwrote off way loan was structured and Fannie & Freddie Guidelines.

• Review Approval and request borrower conditions.

• Re-run DU/LP after any changes and/or revisions.

• Correspond with title companies and appraisal management team on pending outstanding conditions.

• Correspond with clients and title companies.

• Cleared data verify, requested revised flood certs, completed SSA verification, order transcripts.

• Order and review homeowner's insurance and title to make sure that they are accurate and all matches.

• Managed all assigned loans within established turnaround timelines.

• Order Initial Closing Disclosures.

• Assist in loan suspensions in order to get them approved.

• Restructure loans in order to qualify.

Kwik Mortgage Corporation, Parsippany, NJ June 2020 to August 14,2020 Junior Underwriter/Sr. Processor

FHA; VA/IRRL Loans; Conventional; FHA Connection, Appraisal & Insurance Logging.

Underwrote off way loan was structured, locked, and Fannie & Freddie Guidelines.

Review Approval and request borrower conditions.

Re-run DU/LP after any changes and/or revisions.

Correspond with title companies, attorneys and their paralegals, and appraiser’s on pending outstanding conditions.

Correspond with clients, attorneys and their paralegals, title companies.

Worked closely with loan officers to ensure a timely and accurate experience for the clients.

Ordered VA appraisals, title, flood certs, data verify, SSA verification, transcripts.

Order and review title to make sure that they are accurate and all matches.

Managed all assigned loans working within stated timelines reflected in real estate sales contracts, as well as management established turnaround timelines.

Assist in loan suspensions in order to get them approved. Stratton Equities, Pine Brook, NJ (COVID-Commercial) March 2020 to April 2020 Processor

Commercial and Residential Loans – Stated, Full Docs; Conventional & 5/1 Arms.

Prepare loans for Brokers to submit loans to underwriting & make sure structured properly.

Correspond with title companies, attorneys and their paralegals, and appraiser’s on pending outstanding conditions.

Correspond with clients.

Worked closely with loan officers to ensure a timely and accurate experience for the clients.

Ordered appraisals & title.

Reviewed title to make sure accurate and all matches.

Corresponded daily with the branch managers via meetings regarding their pipelines in order to get loans cleared to close within a timely manner so that she was aware of any open conditions not met and time frames.

Managed all assigned loans working within stated timelines reflected in real estate sales contracts, as well as management established turnaround timelines.

Ensured that all loans are cleared and released to the closing department no later than five (5) days prior to scheduled closing.

Gateway Mortgage Group, Cranford, NJ July 8, 2019 to January 21, 2020 Processor

Bonds; Grants; USDA; FHA; VA/IRRL Loans; Conventional; FHA Connection, Appraisal & Insurance Logging,

Pre-underwrote all loans prior to submitting to underwriting to make sure structured properly.

Pre-underwrote off way loan was structured & locked, off Fannie & Freddie Guidelines.

Run DU to see whether loans qualify for approval before getting them in for a proper under write.

Preview individual and business tax returns.

Correspond with title companies, attorneys and their paralegals, and appraiser’s on pending outstanding conditions.

Correspond with clients, attorneys and their paralegals, title companies.

Worked closely with loan officers to ensure a timely and accurate experience for the clients.

Ordered VA appraisals, title, flood certs, data verify, SSA verification, transcripts.

Reviewed title to make sure that they are accurate and all matches.

Corresponded daily & weekly with the branch manager via meetings regarding her pipeline in order to get loans cleared to close within a timely manner so that she was aware of any open conditions not met and time frames.

Managed all assigned loans working within stated timelines reflected in real estate sales contracts, as well as management established turnaround timelines.

Ensured that all loans are cleared and released to the closing department no later than five (5) days prior to scheduled closing.

Assist in loan suspensions in order to get them approved. MLB Residential Lending LLC., Springfield, NJ May 2019 – July 2019 Processor

USDA; FHA; VA/IRRL Loans; Conventional; 203KLoans; FHA Connection, Appraisal & Insurance Logging, Cancellation of FHA Case numbers.

Pre-underwrote off way loan was structured & locked, off Fannie & Freddie Guidelines.

Ran DU to see whether loans qualify for approval before getting them in for a proper under write.

Preview individual and business tax returns.

Correspond with title companies, attorneys and their paralegals, and appraiser’s on pending outstanding conditions.

Correspond with clients, attorneys and their paralegals, title companies.

Worked closely with loan officers to ensure a timely and accurate experience for the clients.

Ordered VA and regular appraisals, title, flood cert, data verify, SSA verification, transcripts, compliance ease & change of circumstances.

Review appraisals and title to make sure that they are accurate and all matches.

Corresponded weekly with branch managers via conference regarding their pipelines in order to get their loans cleared to close within a timely manner as well as prepared pipeline reports so they are aware of any open conditions not met and time frames.

Managed all assigned loans working within stated timelines reflected in real estate sales contracts, as well as management established turnaround timelines.

Ensured that all loans are cleared and released to the closing department no later than five (5) days prior to scheduled closing.

Assist in loan suspensions in order to get them approved.

Opening: Disclosing loans to clients once loan properly inputted into encompass and proper documents provided. TIAA, FSB, Woodbridge, NJ May 2017 – March 2019

Processor

Worked on USDA; FHA; VA/ IRRL Loans; Conventional; 203KLoans; FHA Connection, Appraisal& Insurance Logging, Cancellation of FHA Case #’s.

Pre-underwrote off way loan was structured, locked, and Fannie & Freddie Guidelines.

Run DU to see whether loans qualify for approval before getting them in for a proper underwrite.

Correspond with title companies, attorneys and their paralegals, and appraiser’s on pending outstanding conditions.

Correspond with the clients from welcome call to clear to close.

Work closely with loan officers from introduction to ensure a timely and accurate experience for the clients.

Review all necessary credit & underwriting documentation for accuracy& income qualifications.

Ordered VA and regular appraisals, title, flood cert, data verify, SSA verification, transcripts, compliance ease & change of circumstances.

Review appraisals and title to make sure that they are accurate and all matches.

Assist in loan suspensions in order to get them approved.

Managed all assigned loans working within stated timelines reflected in real estate sales contracts, as well as management established turnaround timelines.

Assist in loan suspensions in order to get them approved.

Ensured that all loans are cleared and released to the closing department no later than five (5) days prior to scheduled closing.

HomeBridge Financial Services, Inc., Woodbridge, NJ December 2015 – May 2017 Processor

Bond-CDA-DSELP/CPIP; Grants-LNYW/CDBG; USDA; FHA; VA/ IRRL Loans; Conventional; 203KLoans; FHA Connection, Appraisal& Insurance Logging, Cancellation of FHA Case #’s.

Pre-underwrote off way loan was structured, locked, and Fannie & Freddie Guidelines.

Run DU to see whether loans qualify for approval before getting them in for a proper Underwrite.

Correspond with clients, title companies, attorneys and their paralegals, and appraiser’s on pending outstanding conditions.

Work closely with loan officers to ensure a timely and accurate experience for the clients.

Review all necessary credit & underwriting documentation for accuracy& income qualifications.

Ordered VA and regular appraisals, title, flood cert, data verify, SSA verification, transcripts, compliance ease & change of circumstances.

Review appraisals and title to make sure that they are accurate and all matches.

Correspond with third party lenders for CDA Bond Loans to get a clear to close in a timely manner.

Assist in loan suspensions in order to get them approved.

Ensured that all loans are cleared and released to the closing department no later than five (5) days prior to scheduled closing.

MLD Mortgage Corp., Florham Park, NJ November 2014 – October 2015 Processor

FHA/VA; Conventional; 203K loans; Reverse Mortgages; FHA Connection.

Pre-underwrote off way loan was structured, locked, and Fannie & Freddie Guidelines.

Run DU to see whether loans qualify for approval before getting them in for a proper underwrite.

Correspond with clients, title companies, attorneys and their paralegals, and appraiser’s on pending outstanding conditions.

Worked closely with loan officers to ensure a timely and accurate experience for the clients.

Reviewed all necessary credit & underwriting documentation for accuracy & income qualifications.

Ordered VA and regular appraisals, title, flood cert, data verify, SSA verification, transcripts, compliance ease & change of circumstances.

Reviewed appraisals & title to make sure accurate and in compliance.

Worked on loan from process to funding of the loans.

Assist in loan suspensions in order to get them approved.

Ensured that all loans are cleared and released to the closing department no later than five (5) days prior to scheduled closing.

Mortgage Unlimited, LLC., Garfield, NJ August 2013 – May 2014 Processor

FHA/VA; Conventional; 203K loans; Reverse Mortgages; FHA Connection, Appraisal & Insurance Logging, Cancellation of FHA Case #’s.

Pre-underwrote off way loan was structured, locked, and Fannie & Freddie Guidelines.

Run DU to see whether loans qualify for approval before getting them in for a proper underwrite.

Correspond with clients, title companies, attorneys and their paralegals, and appraiser’s on pending outstanding conditions.

Worked closely with loan officers to ensure a timely an accurate experience for the clients.

Reviewed all necessary credit & underwriting documentation for accuracy & income qualifications.

Ordered VA and regular appraisals, title, flood cert, data verify, SSA verification, transcripts, compliance ease & change of circumstances.

Reviewed appraisals & title to make sure accurate and in compliance.

Assist in loan suspensions in order to get them approved.

Ensured that all loans are cleared and released to the closing department no later than five (5) days prior to scheduled closing.

Assist if required in opening loans to get loans into processing within a timely manner. Primerica Financial Services, Edison, NJ May 2011 – August 2013 Financial Analyst/Team Leader

Educate families on how money works, how to manage your money & how to earn extra income part-time.

Build and develop with the team by assisting in giving them direction on their business and what they can do to expand to achieve established goals.

Responsible for recruitment, selection, training and supervision of staff to maximize sales and profit performance.

Cultivate long term customer relations to ensure recurring business.

Resolve customers’ problems and business challenges. Office Manager/Administrative Assistant

Running the office when the Regional Vice President is out; Provide primary administrative support to the Regional Vice President's clients & teams.

Maintain positive client relationship; Interact and establish a highly professional working relationship; Answering of telephones in a professional manner.

Provide administrative support to team leaders & correspond with the agents for follow-up paperwork on their applications, blood work & checks.

Correspond with the home office on status of the clients’ applications & their policies; Handle confidential information discretely; Fax documents/new licensee information & overnight original paperwork.

Prepare & submit reports to all agents & their managers. American Financial Resources Inc., Parsippany, NJ March 2008 – December 2009 Team Leader/Processor

Supervised 2 to 3 processors and delegated daily work projects to employees such as creating, compiling and preparing pipeline reports.

Pre-underwrote off way loan was structured, locked, and Fannie & Freddie Guidelines.

Corresponded daily with branch managers via the internet (Webex) and the telephone regarding their pipelines in order to get their loans cleared to close within a timely manner.

Review applications and documents submitted for accuracy & income qualifications.

Ordered VA and regular appraisals, title, flood cert, data verify, SSA verification, transcripts, compliance ease & change of circumstances.

Reviewed appraisals & title to make sure accurate and in compliance.

Assist in loan suspensions in order to get them approved.

Ensured that all loans are cleared and released to the closing department no later than five (5) days prior to scheduled closing.

U.S. Mortgage Corp., Pine Brook, NJ July 2000 – February 2008 Processor

Worked on Retail/FHA/VA/Reverse/Co-Op/CEMA Loans.

Pre-underwrote off way loan was structured, locked, and Fannie & Freddie Guidelines.

Correspond with clients and loan officers to retrieve pending documents needed in order to submit loans to underwriting for a clear to close within a timely manner.

Self starter trained in Reverse Mortgages and VA loans.

Corresponded & trained all new branch managers by advising them of the submission practices for loans and processing procedure with the company and on-call for any challenges that arouse.

Ordered VA and regular appraisals, title, flood cert, data verify, SSA verification, transcripts, compliance ease & change of circumstances.

Reviewed appraisals & title to make sure accurate and in compliance.

Assist in loan suspensions in order to get them approved. FHA/VA Insurer

Correspond with HUD on all the Insuring of binders for the VA/FHA Loans

Ordered MICS and sent to investors.

FHA Connection, Appraisal & Insurance Logging, Cancellation of FHA Case #’s.

Correspond with several new branch managers advising them of the company process as to submitting & processing loans.

Correspond with clients, attorney’s & their paralegals, title companies, appraisers on the outstanding conditions.

VA Loans/IRRL Loans-Log in thru VA Portal-Order Appraisals/Certificate of Eligibility & retrieve docs from clients/branches to submit loans to the VA Office for approvals & clear to close.

Reverse Mortgages-Order title, appraisal and submit file to investor-work on clearing any outstanding conditions. Post Closer/Funding

FHA/VA; Reverse Mortgage; Co-Op; Consolidation Extension Modification Agreement; Wholesale & Bulk Loans.

Cleared any outstanding conditions by corresponding with closing agents, appraisers, and title companies and clients on a regular basis.

Corresponded with attorneys and their paralegals, title companies, and appraisers on the outstanding conditions.

Dealt with several investors on a daily basis clearing conditions to fund their loans in a timely manner so that the rate locks did not expire.

EDUCATION

Completed 156 Hour Mortgage Loan Officer Program - American School of Business, Fairfield, NJ

Mortgage Fundamentals, Federal SAFE Act, NJSAFE Act, PASAFE Act, Business Development& Sales Training Associate of Science, Paralegal Studies - Essex County College, Newark, NJ Courses Taken: Intro to Paralegal Studies, Torts, Family Law, Legal Research and Writing, Real Estate and Property Law Languages: Fluent in English & Spanish

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