MariaHearnResume******.docx

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Maria M. Hearn

San Clemente, CA 92672

adwm5e@r.postjobfree.com

949-***-****

Detail-oriented, responsible professional with six years of progressive experience in the mortgage industry as a Junior Processor/Senior Loan Processor/Doc Drawer. Looking for a new challenge in the mortgage, insurance, data, or payroll industry. Sound judgment, Microsoft Office, excellent organizational, communication, and customer service skills. Possess strong investigational abilities necessary to make critical decisions. Quick learner eager to join a great team within a challenging environment. I am looking for a long-term position where I can make a positive difference and contribute to the overall success and growth of a thriving organization.

Education

Bachelor of Science in Human Relations and Organizational Behavior University of San Francisco

Work Experience

Genealogy Research and Consulting

MH Consulting

San Clemente, CA

November 2021 to Present

• Conduct research and trace familial history with great attention to detail using multiple online websites

• · Analyze, evaluate and accurately cite sources and information such as birth, death, and marriage records, census records, military records and church records

• · Analyze DNA results to discover unknown familial ties Jr. Loan Processor

Summit Lending/Matt Cady Mortgage Team

San Clemente, CA

August 2020 to October 2021

• · As direct assistant to Sr. Loan Processor, provided superior customer service to borrowers in pipeline of about 40 Conventional, FHA, and VA loans

• · Opened new loans, contacted borrowers to explain and obtain conditions

• · Requested and analyzed escrow and title, VVOEs and WVOEs, insurance, credit supplements, payoff demands, EOIs, appraisals, tax transcripts, etc. Kept all items related to loan readily available in e-folders

• · Analyzed and ensured accuracy of 1003, including income, DTI, and LTV, and all documentation

• · Ran DU/LP and submitted conditions to lenders' portals

• · Software used: Calyx Point, Salesforce Jungo CRM, DocuSign, Excel, Homebot, Floify and Box

Management /Key Carrier

Ralphs Grocery Company - Orange County, CA

November 2007 to August 2020

2 / 3

• · Responsible for daily store operations. Provided leadership and direct supervision to 20-30 employees. Delivered hands-on training and mentorship, increasing company morale and employee retention by successfully resolving employee issues and concerns and improving customer-employee relations.

• · Increased sales by providing excellent customer service and exceeding expectations. Reduced losses through vigilant observation of team members, transactions and high volumes of cash and credit transactions Customer Service Representative

Wells Fargo Home Equity/Aerotek - Carlsbad, CA

July 2007 to October 2007

• · Assisted brokers, account executives, and 3rd party vendors

• · Quickly and accurately indexed incoming conditions in proprietary software programs

• · Researched property data, flood insurance parameters and program guidelines

• · Provided the highest level of professionalism and courtesy Sr. Loan Processor

First One Lending - San Juan Capistrano, CA

July 2006 to May 2007

• · Ordered and analyzed title, escrow, credit reports, appraisals, payoffs, insurance, VOEs, and VOMs for continuous pipeline of 20-30 loans

• · Ensured accuracy of 1003,1008, and HUD1, including name, address, employment, income, assets, liabilities, property information, government monitoring, DTI, LTV, and income with exceptional attention to detail

• · Uploaded files to DU/AU systems, and packaged and submitted files to lenders

• · Ordered docs and followed up with lenders regarding signings and fundings of 15- 20 loans a month

• · Requested to return as a Sr. Processor by the owner of company after being laid off in 2004.

Sr. Loan Coordinator/Admin /Loan Delivery

Washington Mutual - Irvine, CA

September 2005 to July 2006

• · Created and maintained Over-60-Day, daily validations, fundings, doc order, and pricing exception reports utilizing Microsoft Excel and proprietary systems.

• · Boarded new loans on proprietary MLCS loan system.

• · Ordered appraisals and flood certs; performed HMDA cancellations.

• · Back up for all Sr. Loan Processors with VOEs, VOMs, and VODs Sr. Loan Processor

Newport West Funding - Newport Beach, CA

November 2004 to August 2005

3 / 3

• · Helped to increase fundings from 15 to 20+ per month by streamlining processes and procedures

• · Ensured accuracy of Calyx Point file, 1003 and 1008, including income calculation, correct DTI and LTV

• · Ordered and analyzed title, escrow, credit, appraisals, payoff demands, insurance, VOEs, and VOMs

• · Uploaded files to DU/AU systems, ordered docs and packaged and submitted files to lender

• · Reviewed HUD for accuracy, completed all PTD and PTF conditions, followed up on funding completions

Doc Drawer/Senior Loan Processor

First One Lending - San Juan Capistrano, CA

March 2004 to November 2004

• · Reviewed all files for accuracy of 1003, 1008, rates, terms, and fees and signed off all files for docs

• · Ordered and analyzed title, flood certs, demands, and insurance loss payee endorsements

• · Drew 260 sets of docs per month using LSSI software and coordinated signing with borrowers

• · Contacted borrowers to discuss terms of home equity loan, and completed verbal and written VOEs and VOMs

• · Ensured all outstanding conditions were met prior to funding

• · Reviewed HUD, signed off all files for shipping to lender and ensured all trailing docs were sent

• · Ensured all documentation was complete and accurate with a keen eye for detail Jr. Loan Processor/Office Manager

Sea Coast Funding - Lake Forest, CA

January 2003 to February 2004

• · Responsible for choosing best title/escrow company for each particular loan, and placing orders

• · Ordered all demands and packaged loans

• · Ordered and followed up on prelims, demands, appraisals, written and/or verbal VOEs, VOMs and mortgage histories utilizing Calyx Point and Microsoft Excel to track incoming documents

• · Part of new processing team which increased fundings from under 10 loans per month to over 20

• · Answered phones and transferred calls, and monitored all incoming faxes, handled incoming/outgoing mail

• · Responsible for ordering all supplies and for all day-to-day office operations

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