Patricia Kerekes

732-***-**** adwb95@r.postjobfree.com

Experience

Das Acquisition/USA Mortgage - Senior Loan Administrator and Jr. Underwriter November 2021- May 2022

● Point of contact with Processor and Underwriter

● Pre-underwrite loans sent by Processor 1 prior to submission to UW

● Familiar with LP and DU systems

● Familiar with Government loans (FHA and VA)

● Analyzed title, appraisal, all income docs (Including self-employed and multi property borrowers)

● Encompass program used along with Microsoft Office

● Excellent customer service skills with all parties involved (Borrowers, attorneys, realtors, and coworkers)

● Mid-level underwriter

American Financial Network LLC- Senior Mortgage Nov 2020 - Nov 2021

● Processing of all types of residential loans, CONV, VA, and FHA

● Processed predominantly Self Employed and multi property owned borrowers ● Brokered loans

● Excellent customer service and verbal communication

● Maintained mortgage and company policy knowledge

● Performed administrative tasks

● Point of contact for clients, attorneys, and title companies

● Pre- Underwrite loans prior to submission

Greenway Mortgage - Senior Loan Administrator Nov 2019 - Nov 2020

● Ordering appraisals and other mortgage services

● Reviewed and analyzed income and credit

● Assisted colleagues and management when needed

● Provided excellent customer service

● Versatile in all aspects of processing and clerical duties

● Experience with mortgage software, Excel, and Word

● Assisted with Loan Origination

Advisors Mortgage Group LLC- Mortgage administrator/Post Closer/ June 2016-Oct 2019 Head of Compliance for Adverse, Withdrawn and Canceled Loans

● Heavy Communication with borrowers, attorneys, title companies and loan officers ● Review of income and asset documentation

● Proficient organizational skills

● Prepared loans for closing Ability to review legal documents

● Knowledge of mortgage software, Word, and Excel

● Assisted in Loan Origination

● Pre- Underwrite loans prior to submission

Indus American Bank -Loan Operations Processor June 2013 - June 2016

● Inputting new applications, including ordering credit, ordering appraisals, and sending disclosures

● Review of Commercial, SBA and Heloc loans for accuracy

● Submit insurance and tax tracking through third party vendors •

● Responsible for ordering UCC’s •

● Generated reports and distributed to the loan officers •

● Numerous administrative duties as needed

Various temp contract loan processing jobs December 2008 - June 2013 Wells Fargo Home Mortgage- Mortgage Specialist 3 September 2001 – December 2008

● Collection and review of income and asset documentation for purchase and refinance transactions

● Contact with borrowers, attorneys, realtors, and underwriters

● Fully processed all Conv, FHA, VA and Subprime loans

● Secured loans both stand alone and simultaneous closing

● Preparing loans for closing

● Assisting with post-closing

● Underwrote and cleared conditions on all of my own L-1 Conventional loans Skills

Microsoft Office/Word/Excel/Teams Google/Gmail/Drive/Docs /Etc. Cash-Flow Analysis Understanding Lending & Underwriting Guidelines and Procedures Risk Assessment Jr Underwriter proficient Loan-to-Value Ratios and Debt to income evaluation Proficient in Conventional & Government Mortgages, Conforming & Nonconforming Loans ARMs/Self Employed /Multi Property owned borrowers Loan Closing, Funding & Documentation Account Service Excellence Credit & Income Analysis Secured Loans Loan Origination knowledge Self Starter Ability to work under pressure and handle deadlines Attention to detail Strong Work Ethic Flexibility Strong Written and Verbal communication Teamwork

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