Suhail Santiago adwcls@r.postjobfree.com

Cranston, RI 02905 Contact: 401-***-****

Experience:

**/**/** – 2/24/23 Supreme Lending – Mortgage Processor II – Warwick

1.Work remotely from home.

2.Verify all applicable information listed on the mortgage loan application and reach out to Sales for any missing information.

3.Verify all applicable documentation is provided for the application.

4.Submit mortgage applications to Underwriting for approval reviews.

5.Contact borrowers via phone and email to go over Conditional Approval conditions needed.

6.Knowledge of working with RI Hosing, CT Housing, MA Housing and VA loans.

7.Work closing with loan officers on various loan products.

8.Assist Loan Officers on Pre-Approval meetings with Spanish Borrowers to translate.

9.Working knowledge of DTI, LTV, and CLTV ratios.

10.Ability to work in a fast-paced environment.

11.Ability to meet deadlines.

12.Strong customer service experience.

13.Request tax transcripts for personal and business tax returns.

14.Request CPA letter for self-employed borrowers.

15.Re-pulled credit report, once expired.

16.Update mortgage clause on Homeowners Insurance policies.

17.Submit loans to Condo/Flood departments for approval.

18.Send out Additional Needs Letter when needed to the borrowers.

19.Work closely with borrowers to obtain conditions needed to close the loans.

20.Request Written and Verbal verifications of employment.

21.Current pipeline of loans between 25-30 loans

22.Knowledge of Encompass system.

5/20/2019 – 11/9/2021 Atlantic Home Loans – Mortgage Processor II – Warwick

1.Verify all applicable information listed on the mortgage loan application and reach out to Sales for any missing information.

2.Verify all applicable documentation is provided for the application.

3.Submit mortgage applications to Underwriting for approval reviews.

4.Contact borrowers via phone and email to go over Conditional Approval conditions needed.

5.Knowledge of working with RI Hosing, CT Housing, MA Housing and VA loans.

6.Work closing with loan officers on various loan products.

7.Assist Loan Officers on Pre-Approval meetings with Spanish Borrowers to translate.

8.Working knowledge of DTI, LTV, and CLTV ratios.

9.Ability to work in a fast-paced environment.

10.Ability to meet deadlines.

11.Strong customer service experience.

12.Request tax transcripts for personal and business tax returns.

13.Request CPA letter for self-employed borrowers.

14.Re-pulled credit report, once expired.

15.Update mortgage clause on Homeowners Insurance policies.

16.Submit loans to Condo/Flood departments for approval.

17.Send out Additional Needs Letter when needed to the borrowers.

18.Work closely with borrowers to obtain conditions needed to close the loans.

19.Request Written and Verbal verifications of employment.

20.Current pipeline of loans between 25-30 loans

21.Knowledge of Encompass system.

5/9/2016 – 05/17/2019 Homebridge Financial Services, Inc – Mortgage Processor II – Warwick

1.Verify all applicable information listed on the mortgage loan application and reach out to Sales for any missing information.

2.Verify all applicable documentation is provided for the application.

3.Submit mortgage applications to Underwriting for approval reviews.

4.Contact borrowers via phone and email to go over Conditional Approval conditions needed.

5.Knowledge of working with RI Hosing, CT Housing, MA Housing and VA loans.

6.Work closing with loan officers on various loan products.

7.Assist Loan Officers on Pre-Approval meetings with Spanish Borrowers to translate.

8.Working knowledge of DTI, LTV, and CLTV ratios.

9.Ability to work in a fast-paced environment.

10.Ability to meet deadlines.

11.Strong customer service experience.

12.Request tax transcripts for personal and business tax returns.

13.Request CPA letter for self-employed borrowers.

14.Re-pulled credit report, once expired.

15.Update mortgage clause on Homeowners Insurance policies.

16.Submit loans to Condo/Flood departments for approval.

17.Send out Additional Needs Letter when needed to the borrowers.

18.Work closely with borrowers to obtain conditions needed to close the loans.

19.Request Written and Verbal verifications of employment.

20.Current pipeline of loans between 25-30 loans

21.Knowledge of Encompass system.

09/10/2012 – 5/6/2016 Citizens Bank - Mortgage Processor II – Warwick, RI

1.Check applications for completeness and accuracy.

2.Assured all documentation that is required is attached to application.

3.Work closely with loan officers, submitting complete, well-reviewed applications in a timely manner.

4.Working knowledge of DTI, LTV, and CLTV ratios.

5.Ensure compliance with company policies, underwriting guidelines and lending-program requirements.

6.Disclose Good Faith Estimate (GFE) information to borrower in a timely manner to insure Reg X guidelines.

7.Mail Risk Base Pricing, Commitment Letter and Appraisal once file approved.

8.Order appraisals for files and follow up with appraisal status with Collateral Review Group (CCOAR).

9.Send out Additional Needs Letter when needed to the borrowers.

10.Work closely with borrowers to obtain conditions needed to close the loans.

11.Request Written and Verbal verifications of employment.

12.Request payoffs for CCO Mortgages and Subordination agreements when needed.

13.Request tax transcripts for personal and business tax returns.

14.Request CPA letter for self-employed borrowers.

15.Repulled credit report, once expired.

16.Update mortgage clause on Homeowners Insurance policies.

17.Submit loans to Condo/Flood departments for approval.

18.Review and arrange file in proper stacking before submitting to underwriting.

19.Current pipeline of loans between 25-32 loans.

20.Knowledge of Empower Client Server system.

21.Knowledge of Empower.Net system.

22.Ability to work in a fast-paced environment.

23.Ability to meet deadlines.

24.Strong customer service experience.

06/04/2012–09/08/2012 - Citizens Bank (RPI Alternatives) – Student Loan Processor – Warwick, RI

1.Made outbound calls to borrowers and co-borrowers for missing documentation.

2.Emailed borrowers for further documentation needed if not able to be reached by phone.

3.80-100 outbound calls per day.

4.Indexed images/documentation received from borrowers and uploaded to borrower’s account.

12/16/2011–5/31/2012 MetLife – CSR III - W. Warwick, RI

1.Make outbound calls to existing MetLife customers via the Dailer (SoundBite).

2.Schedule appointments for agents in various agencies within the United States.

3.Input appointments in the system (SmartOffice)

4.Input callbacks in SmartOffice’s calendar to return a future call to the customer.

5.Follow script guidelines.

04/08/2011-12/15/2011 MetLife – NB Specialist I (Processor II) – W. Warwick, RI

1.Tele greet inbound calls when waiting in the Queue.

2.Create call back leads for customers seeking Life Ins quotes.

3.Provide Life Term quotes for customers via MetLife.com.

4.Quality assessed applications for customers and underwriting.

5.Print, assemble and mail out life insurance applications.

6.Call customers on missing information on applications.

7.Daily review Pending cases, Cases with Offers & Issued Not Paid excel reports.

8.Create required forms for customers and email or mail out the forms.

9.Make outbound calls to customers seeking payments to place the policies.

10.Send emails to the Life Agents and Case Managers for resolution on pending or issued policies.

11.Check the status of customers’ medical exams on ExamOne.com and created the exam orders when needed.

12.Review and process Middle Market Mailboxes (MML Inbox & Customer Submitted Inbox)

13.Work daily on Chasing report to chase applications not returned and exams not completed.

06/10/2010-04/07/2011 MetLife (Adecco) – Customer Service – W. Warwick, RI

1.Receive calls through Click to Call via the computer.

2.Obtain personal information from customers for Life Ins. Quotes.

3.Transfer potential customers seeking Life Ins. Quotes to available agents.

4.Search in database (Proleads) for potential customers who may be assigned to a field agent.

5.Tele greet inbound calls for Middle Market Sales dept.

6.Transfer misdirected calls to the appropriate departments.

7.Update daily report with Click to Calls in Excel.

8.Provide referrals or local MetLife office contact to requested customers.

03/09/2009-09/25/2009 Centreville Savings Bank (Express Emp.) – Mortgage Processor – W. Warwick, RI

1.Organized and prepared closing files received from various loan officers.

2.Pulled the previous closed mortgage deed from the existing customer’s file.

3.Prepared the discharge deed and the new mortgage deed.

4.Sent the discharge and new deed to the closing attorney for recording.

5.Prepared the teller worksheets along with the teller slips.

6.Prepared and printed mortgage proceeds and payoffs.

7.Put mortgage on the system once confirmation of new deed on record.

8.Processed Sales, Refinances and Line of Credit loans.

02/12/2008-11/26/2008 MetLife (Adecco) – Subrogation Claims Document Reviewer – Warwick, RI

1.Reviewed subrogation claims received from adverse carriers for auto repairable and total loss files.

2.Verified all needed documentation is provided in the file.

3.Contacted the MetLife adjusters when missing documentation was not provided in the subro demands.

4.Sent the ready-to-be-reviewed subro demand to another company (Hyperquest) for their review via Lotus notes.

5.Uploaded the subro demands into MetLife Trexo system once completed reviews are received and alert the MetLife adjuster via Charlie system.

6.Reviewed and processed within 30-50 files per day.

7.Trained new staff for our department.

11/05/2007–01/09/2008 UnitedHealth Group (Placement Pros) – Enrollment Specialist – Warwick, RI

1.Reviewed and verify information is filled out correctly on the enrollment applications.

2.Contacted members via telephone to obtain missing information not provided on the enrollment applications.

3.Entered the enrollment applications electronically on the UHC-IEnroll E-Model Office system.

4.Printed out barcodes and attached them to each individual application.

5.Overnighted entered applications along with the individual barcodes to Xerox.

08/15/07–10/07/2007 & 08/2008-01/29/09 G-Tech (Kelly Services) – Customer Service – W. Greenwich, RI

1.Received incoming calls from Lottery Installers.

2.Put Installers on-site when installers arrive at the Retailer stores.

3.Verified the Retailers name and address and verified the correct Lottery terminal was being installed.

4.Entered the necessary serial numbers of the terminals being installed and input the necessary notes into the Database.

5.Resolved any technical issues due to the terminal not being installed and not downloading correctly.

6.Asked every installer a script containing questions regarding the terminal installations and closed out the job for that installer.

2004-2006 Benefit Concepts – Data Entry Operator – E. Providence, Rhode Island

1.Entered Flexible Spending Account claims for Healthcare & Dependent Care.

2.Verified and printed the reports.

3.Entered New Participants for Cobra Insurance.

4.Processed election forms for Cobra Participants.

5.Translated Spanish calls for the Customer Service Dept.

2003-2004 Quick Solution Mortgage - Mortgage Processor - Providence, Rhode Island

1.Ordered credit report for customers.

2.Called various Lenders to provide me with a pre-grade for Purchases & Refinances.

3.Verified the information stated on the applications.

4.Input 1003 applications into the Byte System.

5.Input and printed state compliance disclosures to be signed by the customers.

6.Submitted loans to different Conforming & Non-conforming Lenders.

7.Ordered appraisals, titles, payoffs, V.O.M., and hazard insurance for the files.

8.Processed the conditions set by the Lenders to close the file.

9.Assisted with the preparations of the files for closing.

2003-2003 New England Gas Co. - Clerical Support - Providence, Rhode Island

1.Contacted residential and commercial residents to schedule appointments to have their gas meter.

2.changed, that is due every 10-15 years.

3.Worked Banner reports in order to schedule periodic meter Test 3.

4.Manually generated customer contact letters.

5.Returned calls to customers to re-schedule appointments to change the gas meter.

2001-2003 Citizens Bank - Mortgage Processor - Warwick, Rhode Island

1.Compiled, verified, and typed application information for mortgage loans.

2.Reviewed residential loan application files to verify that application was complete and complied with establishment standard.

3.Made recommendation on denial of loan applications that did not meet standards.

4.Called specified companies to obtain property abstract, survey, and appraisal.

5.Informed supervisor of discrepancies in title & survey.

6.Submitted mortgage loan application files for underwriting approval.

7.Submitted approved mortgage loan file to mortgage loan closer.

8.Expedited communication between upper-level management and general personnel.

2001 Sovereign Bank N.E. - Fulfillment Operations Clerk - East Providence, Rhode Island

1.Screened ATM/Visa Debit cards applications for the purpose of identifying risk issues.

and clearing for issuing.

2.Issued ATM/Visa cards.

3.Researched disputes relating to ATM transactions.

4.Opened and closed ATM cards.

5.Processed Account type changes and address changes.

2000-2001 Blue Cross of Blue Shields - Department Secretary - Providence, Rhode Island

1.Located and attached appropriate file to correspondence to be answered by employer.

2.Composed and typed routine correspondence.

3.Greeted visitors and ascertained nature of business.

4.Assisted and directed visitors to their intended destination.

5.Recorded minutes of staff meetings.

6.Prepared notes, correspondence, and reports, using word processor and computer terminal.

7.Maintained inventory of office supplies.

8.Responsible for filing, faxing, and copying letters.

9.Read and route incoming mail.

Education:

Health Care Training Services Fall River, Massachusetts

Phlebotomy & EKG Technician February 2010

Cranston Alternate Education Cranston, Rhode Island

CNA October 2009

Nasson Institute of Technology Cranston, Rhode Island

Executive Secretarial Assistant November 1998

Microsoft Office: Excel, Access, PowerPoint & Spreadsheets. Acquired typing speed of 60 wpm. Knowledge of Bookkeeping and General Office Procedures. Practiced telephone procedures along with Micro quick filing and acquired keypad speed of 13000kspm.

References: Available upon request

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