Loan Processor Customer Service
Resume:
RHONDA N. BURKE
NLMS ID# ******
Newport Beach, CA 92660
adwnp6@r.postjobfree.com
1
UNDERWRITING EXECUTIVE
Innovative and resourceful Underwriter with a distinguished and diverse career working directly with consumers, Fortune 500c companies, and small businesses in the mortgage banking and financial services industries. Extensive background in residential real estate, commercial real estate, and small business banking. Thrive in dynamically changing environments requiring focused decision making. Areas of Expertise
Credit Risk Evaluation Time Efficiency Multitasking Document Analysis Collaboration Encompass Proficient Empower Proficient BOSS Proficient Problem Solving PROFESSIONAL EXPERIENCE
Sr Loan Specialist, Underwriter First Republic Bank 2022 – Present Responsible for the analysis of single, multi family residential and commercial lines of credit / loans, specifically Jumbo, NON QM, POA, Trusts, Self employment, Purchase Real Estate based lending, ensuring they are processed & underwritten in a timely manner. Meet all regulatory compliance requirements while achieving a high level of customer service. Responsibilities focus on successfully analyzing tax returns and financials ranging from complex to simple for various types of borrowers including professional services, startup Founders, VC/PE, Trust Portfolios, and Family Offices of High net worth individuals and their holding companies.
Communicate with customers, provide excellent customer service, and ensure the customer relationship is maintained at the highest possible level.
Review set up loan files for completeness and identify missing documentation and/or problems.
Analyze each loan file, ensuring the loan narrative, appraisal report, application, preliminary title report, and verifications meet secondary market and Bank loan program criteria.
Complete KYC compliance for all loan types.
Utilize and apply FNMA lending guidelines and other industry compliance regulations where applicable.
Prepare commitment letters.
Senior Underwriter V Better Mortgage 2021 - 2021 Responsible for analyzing highly complex financial and credit information according to underwriting standards, investor guidelines, and federal regulations. Underwrite a wide variety of product and loan types with a higher aggregate credit exposure including DU, LPA, Jumbo, NON QM, POA, Trusts, Self employment, Purchase, and Multi unit.
Analyze, and document loan data, specifically credit risk, client, and property information. Responsible for providing strong and clear communication to Processors, Loan Officers, Mortgage Professionals, and other Team Members regarding documents needed to ensure quick turnaround time and maintain policy compliance.
Align with company’s focus, to provide an exceptional customer experience.
Go beyond the basic requirements. Work performed adds value. RHONDA N. BURKE
NLMS ID# 855579
57 Beacon Bay
Newport Beach, CA 92660
adwnp6@r.postjobfree.com
2
Key Achievements:
Ranked Top 25% in Underwriting Department within first 45 days in production.
No material findings, repurchase, buybacks, or unsellable loans / rejected loans from investor pool.
Promoted to Ally Bank Conforming and Jumbo Channels. Underwriter III Owning Corporation/Guaranteed Rate 2020 2021 Responsible for in depth reviews of highly complex financial and credit information according to underwriting standards, investor guidelines, and federal regulations Underwrites a wide variety of product and loan types with a higher aggregate credit exposure including underwriting DU/DO, LPA, Jumbo, NON QM, POA, Trusts, Self employment, Purchase, Multi unit.
Analyze, and document loan data, credit risk, borrower and property information. Responsible for providing strong and clear communication to Processors, Mortgage Professionals, and borrowers regarding documents needed for mortgage loan files to ensure quick turnaround time.
Performs job competently and shows results.
Work aligns with company’s focus of providing an exceptional customer experience. Key Achievements:
Ranked Top 1% in Underwriting Department 2021.
Triple Crown Club Award Top Underwriter Recipient October 2020.
No material findings, repurchase, buybacks, or unsellable / rejected loans from investor pool. Underwriter II Nationstar Mortgage LLC dba Mr. Cooper 2015 – 2020 Responsible for analyzing highly complex financial and credit information according to underwriting standards, company overlays, investor guidelines, and federal regulations. Underwrite a wide variety of product and loan types with a higher aggregate credit exposure including underwriting DU, LPA, High Balance, NON QM, TX Equity and Non Equity, TX Equity to Non equity conversion, NY CEMA and Non CEMA, Manufactured Homes, POA, Trusts, Self employment, Purchase, and Multi unit.
Compile, analyze, and document loan data. Evaluate credit risk, borrower, and property information.
Responsible for providing strong and clear communication to Processors, Mortgage Professionals, and Funders regarding documents needed for loan requests to ensure quick turnaround.
Exceeded Performance requirements.
Aligned with company’s focus to enable an exceptional customer experience.
Generally, going beyond the basic requirements. Work performed adds value to the organization. Key Achievements:
Ranked Top 15% in company.
Evaluation rank – Achiever.
Won several production contests and awards.
Received Best in Customer Service / Champion Award 2019 and 2020.
Received annual merit increases for Outstanding Performance 2015 – 2020.
No repurchase, buybacks, or unsellable loans / rejected loans from investor pools. RHONDA N. BURKE
NLMS ID# 855579
57 Beacon Bay
Newport Beach, CA 92660
adwnp6@r.postjobfree.com
3
Sr Processor Nationstar Mortgage dba Mr Cooper Greenlight Loans 2013 – 2015 Review, gather and organize documents from pre approval to closing, working closely with all departments to ensure the timely and accurate packaging of loans originated. Act as the liaison between borrower and internal departments. Loan Program Expertise in Conforming, High Balance, HARP, FHA, NY CEMA and Non CEMA, Manufactured Homes, Kentucky State Licensed Processor.
Maintain constant communication with clients, both internal and external throughout the loan process.
Procuring and validating all required documentation, including but not limited to credit, preliminary title report, appraisal, and income, to submit a complete loan application file to Underwriting Dept. Act as a partner with Loan Officers, Underwriters and Funders in requesting documentation and following up on missing conditions.
Ensures all processes and checklists are completed accurately on each loan Monitor and manage the lock expiration dates and estimated closing dates.
Ability to maintain a minimum active pipeline of 45+ loans.
Input proper loan information into the system for loan consideration.
Communicate with Loan Officers, Underwriters, Document Specialists, Funders, and Managers as required to resolve outstanding issues.
Ensure loans maintain compliance with applicable federal, state and local laws, regulations. Key Achievements:
Processing Customer Service Excellence Award 2014 and 2015.
Consistently recognized for achieving/exceeding goals set forth by Managers.
Recipient of several bonuses.
Mortgage Loan Processor Cash Call Inc. Anaheim, CA 2011 – 2013 Ensure the timely and accurate packaging of all loans originated by loan officers for 43 states. Gather information and take client applications from pre approval to closing. Input proper loan information into the systems. Responsible for ensuring that all loan documentation is complete, accurate, verified, and complies with FNMA guidelines and company policies.
Authenticate loan documents including income, credit, insurance, appraisal, and title insurance, preparing applications for submittal to underwriting.
Package files and make sure all items needed for timely funding are received. Prepare closing documents and order escrow documents, reviewing for accuracy.
Explain HUD to clients and field questions that arise. Collect funds to close.
Meet crucial deadlines to ensure rate locks remain intact and purchase loans fund by close of escrow.
Perform any additional duties/activities assigned by management. Key Achievements:
Consistently meet/exceed production goals.
Awarded several company contests, prizes, and accolades. RHONDA N. BURKE
NLMS ID# 855579
57 Beacon Bay
Newport Beach, CA 92660
adwnp6@r.postjobfree.com
4
Business Banking Officer Pacific Premier Bank Costa Mesa, CA 2009 2011 Served as an overall conduit to small business selling Small Business and Investor Banking capabilities. Developed commercial relationships through the offering products including Residential and Commercial Real Estate Loans, SBA Products, Lines of Credit, Business Expansion Loans, Deposit and Payment Solutions. Demonstrated expertise in establishing and maintaining new and existing client relations and portfolio growth.
Key Achievements:
Consistently in the top 1% in peer group for production and revenue growth.
Championed strong cross functional relationships to increase client referrals.
Distinguished for the management of financial indicators such as forecasting, pipeline and contracts in order to expand market share and sales.
Nominated for Orange County Business Journal’s Women in Business Award – 2011. Sr Relationship Manager LEAF Financial Corporation Tustin, CA 2008 2009 Generated and managed a profitable client portfolio through the development and retention of long term client relationships. Oversaw an assigned portfolio of business accounts. Retained and strengthened established relationships and sought to develop new business through various channels such as cross selling and referrals. Met and exceeded sales goals and maintained and grew portfolio existing business and acquired new relationships by targeting clients. Key Achievements:
Surpassed portfolio growth goals by up to 400% on a monthly basis and exceeded company production requirements consistently; exceeded $125K monthly goal to produce $225K $350K.
Ranked the third highest producer in the business channel during tenure.
Awarded Business Development Employee of the month for July, August, December, January, and February 2008 2009; promoted by the Regional Vice President that resulted in increased profit sharing by 35% within the first 6 months of employment.
Collaborated with leaders in all practiced and created synergy tools to share competitive intelligence data that increased sales and market penetration.
Built recognition programs that rewarded employees that modeled the firmsʹ new mission, vision, and values.
RHONDA N. BURKE
NLMS ID# 855579
57 Beacon Bay
Newport Beach, CA 92660
adwnp6@r.postjobfree.com
5
VP, Business Development Officer US BANK Newport Beach, CA 2006 – 2008 Served as an overall conduit to small business selling US Bankʹs Small Business and Investor Banking capabilities. Deepened and expanded commercial relationships through the offering products including Commercial Real Estate Loans, SBA Products, Healthcare Financing, Lines of Credit, Business Expansion Loans, Deposit and Payment Solutions, and Equipment Financing. Demonstrated expertise in establishing and maintaining new and existing client relations and portfolio growth. Key Achievements:
Increased portfolio by 20% from $50M $60M in year one and retained $20M in maturing loans.
During the liquidity crisis, elevated sales production up to $3MM against a $500K quarterly target goal; minimum sales production was never below $1M quarterly.
Championed strong cross functional relationships to increase client referrals and delivered offerings of services to other divisions of the bank, creating other revenue generating streams.
Quarterly Regional and National Annual Pinnacle Award Winner. Recipient of several other regional and national sales contests designed to drive revenue growth in target business areas. EDUCATION
Bachelor of Arts, Psychology California State University, Fullerton
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