Loan Processor Customer Service
Resume:
Sheena Hodge-Njoroge
Melissa, Tx 75454
******.*************@*****.***
Home: 469-***-****
Objective
Results-driven Operations and Senior Loan Processor with 10 years of experience in mortgage loan processing, loan funding, underwriting, escrow, sales and office management. Ability to multi-task and manage projects from inception to completion. Works well under pressure; manages pipeline to meet critical scheduling and closing deadlines. Knowledgeable in underwriting guidelines for Fannie Mae, Freddie Mac, FHA and VA.
Professional Experience
CU Member Mortgage - Addison, Texas 11/2019 to 6/2022
Sr. Loan Processor Specialist
Work a mix pipeline of FHA, VA, USDA, and Conventional. Ensuring exceptional customer service levels by maintaining a thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, and complying to Federal and State compliance policies.
Order, obtain, review, and approve any required appraisal documentation from a company approved appraiser, as required by company or investor guidelines for the product under which the loan was originated/approved.
Prepare all loans approved for closing by collecting/obtaining all information/documentation required to clear any underwriting approval conditions.
Obtain any clear/satisfactory certifications required by the loan approval, property type, investor/insurer guidelines and/or appraisal.
Scheduled for closing, responsible for delivering a completed package to the closing department to ensure approved credit package has the appropriate information.
Review and verify accuracy of all documentation to ensure guidelines are met before resubmitting the loan to underwriting.
Ocwen AKA PHH Mortgage - Addison, Texas 10/2018 to 6/2019
Mortgage Loan Processor
Work conventional full-doc, HARP, and FHA refinances. Strong attention to detail and accuracy. Basic knowledge of underwriting terminology. Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages.
Review initial loan approval and work with borrower to gather appropriate documentation
Update empower with accurate information and submit the completed loan package to the underwriter ensure the appraisal inspection had been completed before the documents could be signed in dry states.
Create a loan submission package for the Underwriting department using Encompass
Review the title report for any child support judgments, or old liens which would hold up the loan process if not attended to immediately.
Request updated mortgagee clause on homeowner's insurance declaration page and obtain proof the policy has been paid in full.
The Money Source -Dallas, Texas 2/2018 to 10/2018
Mortgage Loan Processor
Maintained 30-40 loan pipeline of conventional full-doc, HARP, FHA, and co-op refinances while consistently closing 20+ per month. Proficiently and competently monitored the pipeline to ensure loans close on time, while simultaneously handling other projects and complex client scenarios.
Maintains complete knowledge of departmental products, services and procedures.
Review applications for completeness, validate loan meets guidelines and update data in Encompass
Calculate debt-to-income (DTI) ratios and cash to close
Contact borrowers and/or vendors to obtain all conditions required to close the loan
Communicate decisions to all parties and build relationships with both internal and external partners. Work as primary contact for borrower.
Nationstar Mortgage AKA Mr. Copper- Irving, Texas 11/2016 to 1/2018
Sr. Loan Processor Specialist
Work a mix pipeline of FHA, VA and Conventional. Ensuring exceptional customer service levels by maintaining a thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, and complying to Federal and State compliance policies.
Proactively communicates with all parties (buyer, title/escrow, asset manager and internal staff) providing timely updates and gathering all required documentation to obtain full loan approval.
Review and verify accuracy of all documentation to ensure guidelines are met before resubmitting the loan to underwriting.
Prepare final loan documents and work with client, title/escrow, and funder to ensure timely release of documents and follow through funding.
Act as a liaison between borrower, underwriter, and lender.
Provide customer with timely and periodic status updates of their loan application.
Bank of America- Plano, Texas
Loan Processor Specialist 6/2014 to 11/2016
Maintain a pipeline of 50+purchase loans. Work a mixed pipeline of conforming, non-conforming, jumbo, purchase and refinance loans. Ensures exceptional customer service levels by maintaining a thorough knowledge of lending programs.
Develop and maintain working relationships with clients and their financial advisors.
Assure that all customer’s files are complete and in compliance with regulatory agencies and internal policies Reviewed and verified all submitted loan applications for completeness and accuracy for loan execution.
Verified income (tax returns, w2's, paystubs), assets & miscellaneous documents related to subject property and borrower’s history (letters of explanation).
Ordered title reports, escrow instructions, appraisal, insurance policy, closing protection letter, condominium certificate, trust certificate, property profile, SSN verification, 4506t tax transcripts, verification of employment.
Reviews and completes underwriting conditions, notify borrowers of items required and resubmit to the underwriter to clear for loan docs.
Bank of America- Plano, Texas 1/2013 to 6/2014
Loan Modification Loan Processor Specialist
Banking Professional with demonstrated leadership skills across both the Real Estate and Banking sides of the residential mortgage industry. Extensive experience working with agents, brokers, appraisers, underwriters and loan processors. Excellent multitasking and people management skills with proven ability to promote co-operation within the organization to deliver tangible results.
Gather and verify loan documentation, which could include making outbound phone calls to loan customers and business partners
Exceptional knowledge of mortgage processes and guidelines
Handle a case-load of loans to process funding and underwriting, and verification of documentation
Identify, document, and correct identified errors with loan documentation, loan process and programs
Ensure accuracy and highest quality assurance standards
Bank of America- Plano, Texas 12/2011 to 1/2013
Quality Control Analyst / Flood Team Lead/ Insurance Vendor Management Group
Assist in ensuring Mortgage Servicing Operations are in compliance with applicable regulation, laws, internal and external policies.
Execute and continually refine process for review of transactions for loans in a flood zone including origination, trigger events, policy renewals, lender placement, vendor quality monitoring, and remaps to determine quality in terms of compliance with regulations and company policy.
Support business operations by partnering with various lines of business to confirm exceptions, determine root causes, drive control enhancements and develop corrective action plan.
Collaborate with lines of business to validate that observations identified by internal analysts are remediated within established deadlines.
Serve as flood insurance Subject Matter Expert to Insurance Quality Team
Review flood zone determinations to ensure they correctly identify the property on which the collateral is located.
Education and Training
Associate of Arts in Accounting Dallas Community College – Dallas, Texas
Diploma David W. Cater High School – Dallas, Texas
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