Mortgage Underwriter Loan Processor

MINH MAI

Financial Analyst/ Loan processor/ Mortgage Underwriter

adwars@r.postjobfree.com \ 678-***-**** @ Atlanta, Georgia O BJECTIVE

• Seeking for a full-time opportunity to utilize my skills in coordinating and communicating within groups, as well as to improve and to enrich my knowledge in different aspects of Finance and Economics.

• I have a strong desire to learn new knowledge and I am not afraid to face obstacles because I believe I grow more through challenges. EDUCATION

• Associate’s Degree in Business Administration, majoring in Finance at Golden West Community College, Huntington Beach, 06/ 2014

• Bachelor’s Degree in Economics, majoring in Economics at California State University, Fullerton, 08/ 2017

• Bachelor’s Degree in Business Administration, majoring in Finance at California State University, Fullerton, 08/ 2017

EXPERIENCE

Post-Closing Analyst

First Option Mortgage, LLC.

June 2021 – May 2022 @ Atlanta, GA

Evaluated overall post-closing loan documents for accuracy, completeness, and compliance, to quickly clear and solve any conditions from our end investors.

Gained knowledge of auditing FHA, VA, and USDA loans and working with Encompass.

Improved critical thinking and problem-solving skills in order to clear post-closing conditions without having to reach out to borrower to obtain additional information.

Team-worked efficiently with loan processor, underwriter, and branch to gather documents as soon as possible.

Led post-closing team with the most closed files per month, currently closing approximately 100 files per month (or ~150 files during peak seasons)

Junior Underwriter

AmeriSave Mortgage Corporation

August 2020 – April 2021 @ Atlanta, GA

Reviewed and evaluated borrowers’ problems regarding credit re- ports, preliminary reports, legal judgements, and liens against the borrowers

Supported Senior Underwriter during the loan process.

Evaluated risk factors leading to bankruptcy and handled debt documents.

Coordinated with title companies to ensure all title information are updated properly with high accuracy and completeness.

Worked with Loan Officers and Loan Processors frequently to accomplish the company’s monthly sales.

Reviewed and underwrote an average of 40 files a day and handled more than 400 files monthly.

Analyzed loan risk factors based on DU and LP Findings and append additional documentation if necessary.

Loan Processor and Closer

Loan Factory

February 2020 – August 2020 @ Duluth, GA

Inspected borrowers’ applications thoroughly before the process of converting prospect to loan.

Calculated borrower’s income, mortgage debt, and other liabilities with high accuracy to precisely estimate their eligibility for loan or mortgage.

Coordinated with lenders, borrowers, titles and Settlement agents to guarantee that the deadline for the loan meets its expectation (reviewing fees and title vesting; scheduling the signing date for the borrower; reviewing Homeowner’s Insurance fees, property taxes, and Flood Insurance fees, etc.)

Evaluated predefined conditions as well as future risk factors, and guided borrower through the process of obtaining necessary documents

Post-closing audit: ensure the loan is disbursed on time without any delays, guide borrowers through the process of making online payment and quickly resolve any issues causing delay in disbursement.

Waste Water Treatment Technician

Georgia Plating Inc

March 2018 – July 2019 @ Atlanta, GA

Strengthened my critical thinking ability, and problem-solving skills by continuously provide solutions to unexpected problems along with known issues that occurs with the water system daily.

Improved my multi-tasking skill and memorization skill by working with different chemicals and prepared correct mixed chemicals for different plating lines.

Ensured the weekly shipment of chemicals are promptly delivered to the company.

Inspected the inventory of chemical products weekly. Loan Officer Assistant

Loan Factory

May 2020 – August 2020 @ Duluth, GA

Interviewed applicants to determine their eligibility of obtaining loans.

Structured loans in Prospect to meet predefined

requirements before converting them to Loan.

Conducted and analyzed AUS Findings, DU and LPA to ensure that borrowers will be accepted and are eligible for the loan, at the same time prepared any documents that could be requested by the lenders based on the Findings.

Worked with loan processor at closing to analyze the total fees and costs that meets borrower’s expectation.

Provided training to newly hired Loan Processors and Loan Officer Assistant.

PERSONAL SKILLS

• Strong load processing skills, and understanding of loan statements regarding legal or financial issues.

• Strong known ledge in financial analyst, primarily focus on risk factors and predefined problems.

• Experience with MSO applications

• Strong customer service attitude and problem-solving skills

• Excellent attention to detail and organizational skills

• Time management and organization

• Team player and leadership skill

• Strong work ethic and commitment to learning

• Bilingual (English, Vietnamese)

SOFTWARE KNOWLEDGE

REFERENCES

Kevin Strika

VP of Operations – First Option Mortgage, LLC

770-***-**** @ Atlanta, GA

Chelsea Grangaard

Post-Closing Team lead – First Option Mortgage, LLC

702-***-**** @ Atlanta, GA

Stephen Mandlehr

AVP of Underwriting – Amerisave Mortgage Corporation

502-***-**** @ Atlanta, GA

Excel Word Access PowerPoint

DU JavaScript Encompass

Outlook AUS

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