Mortgage Processor Loan

LATOSHA JONES-ROGERS

Heath, TX ************@*****.*** 469-***-****

CAREER PROFILE

Mortgage Processor • Mortgage Professional

Mortgage professional with over 10+ years of mortgage industry knowledge. I have Comprehensive knowledge of loan programs and mortgage processing.

Organized, motivated, and detail-oriented with specific expertise in thoroughly gathering information from borrowers, verifying information, and reviewing files.

Comfortable, focused, and organized in fast-paced, high-output environments. Computer savvy in Microsoft Office Suite as well as mortgage-processing software.

CORE COMPETENCIES

Pipeline Management

QuickBooks

Data Analytics

Superior Customer Service

Written/Verbal Communication

Investigation & Negotiation

Salesforce

Risk Assessment

Organizational Skills

Financials

Compass

Self-Motivated

PROFESSIONAL EXPERIENCE

Loan Processor Assistance

Navy Federal Credit Union (Contract) 9/2021 - Present

Assist with analysis, research, and resolve problems and discrepancies related to member accounts/loans.

Collect, review, and verify documentation for mortgage process.

Interact with members, other staff and outside contacts to resolve discrepancies, problems & issues.

Monitor mortgage loan process and ensure compliance with Federal laws, as well as Navy Federal, NCUA and secondary market practices, guidelines, and regulations.

Prepare loan closing documents for settlement and coordinate settlement dates with members, attorneys, and realtors * Process mortgage applications according to established laws, requirements, & guidelines.

Provide mortgage information to members regarding policies and related services.

Resolve changes, revisions and corrections with closing agents and settlement attorneys to ensure accurate and efficient processing of mortgage loans.

Loan Processor

Caliber Home Loans 9/2020 – 9/2021

Processing loans from set-up to closing by verifying, compiling, and entering borrower information into loan processing systems.

Verify and analyze loan documentation including income, credit, appraisal, and title, while maintaining strict compliance with all applicable federal and state regulations.

Submit loan application files to underwriting for approval and create and mails approval or denial letters to applicants.

Handle non-public information (NPI) about borrowers.

Adhere to all applicable internal NPI policies and procedures and protect the confidentiality of borrower information.

CUSTOMER SERVICE AGENT

Identification Plates, Inc 4/2016 – 1/2019

Deliver exceptional customer service daily and resolve escalations in a timely manner

Develop and maintain relationships with individual and commercial clients to increase retention/referral

Increase sales by proactively providing alternative product offerings or solutions to external customers as appropriate

Aid in communication between internal customers (i.e., production, accounting, etc.) and external customers

Multi-task to perform daily inside sales work (incoming and outbound phone calls, enter orders, provide technical advice on product related issues, etc.)

OFFICE MANAGER/TAX PREPARER

Krissy’s Kwik Tax 01/2013 – Present

Interview clients to obtain additional information on taxable income and deductible expenses and allowances

Review financial records such as income statements and documentation of expenditures to determine forms needed to prepare tax returns

Prepare income tax return forms for individuals and small businesses annually and ensure all information is accurate and truthful

Operate in a highly regulated environment and ensure all policies and guidelines are followed according to federal regulations

FUNDS TRANSFER COORDINATOR

Nationstar Mortgage 12/2012 to 02/2013

Approved closing wire transfers over $100,000 and processed CDs for closings

Ensured each closing file in compliance with state and federal guidelines (RESPA, fees, title work, HMDA)

Resolved all issues/questions from closing supervisors, closers, and branches within a timely manner

Emailed cover sheets, closing protection letter, and the wiring instructions to obtain a closing codes and title underwriter codes

CLOSING COORDINATOR

Nationstar Mortgage 05/2012 to 12/2012

Logged files from account managers and assigned them to closers and coordinated post-closing issues in a timely manner

Coordinated pre-close calls to title companies confirming scheduled closing dates, locations, and timeframes

Communicated with the AE, AM, and brokers on their contacts for closing/funding and confirmed closing date and time

Added incoming files from account managers to the electronic closing log, set up folders on the shared drive for each file and create basic closing instructions. LOSS MITIGATION SPECIALIST

Chase Home Mortgage 05/2009 to 03/2010

Communicated all loss mitigation decisions electronically via Mitigation Management Portal and responded to questions and concerns as needed

Consistently review loans and options for borrowers based on current situation and investor options

Authenticated disputes received from attorneys and determined action required. Submitted to escalation department for resolution

Performed outbound calls to clients for the purpose of making payment arrangements on past due accounts. Identify potential problems and communicate to management in a timely manner LOSS MITIGATION SPECIALIST

Saxon Mortgage Services 06/2007 to 05/2009

Reduced the delinquency level of the portfolio and prevented loans from becoming delinquent by utilizing the most appropriate alternative to foreclosure

Contacted and worked closely with other internal departments for supporting information documentation, account history, account corrections and reimbursements

Ensured individual and department goals are met by providing resolution and comprehensive written responses to the customer complaints and inquires

EDUCATION

Ashford University (Present) – Clinton, IA

Mount Tahoma High – Tacoma,WA

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