Mortgage Processor Executive Assistant
Resume:
TERESA COUSINEAU
adxw42@r.postjobfree.com
I eagerly accept the various challenges of organizing, and improving processes, to grow stronger more efficient teams, and businesses. I am extremely detailed orientated and enjoy the results when files move quickly, or we can close early. In my career there have been many roles when I did not have a support team, early on in my career, when I owned my Mortgage Broker business, and various Loan Origination roles, I was responsible for all vendor orders, file quality, collecting conditions and reviewing vendor reports to ensure we were within the program guidelines and ready for Underwriting review to close.
EXPERIENCE
From April 2022 to March 2023
Premier Mortgage Resources
Dennis Raico
Mortgage Processor III
My role as Mortgage Processor III, was to gather and verify all application information is accurate. Collect and review all supporting documents to submit to the underwriter. Order Appraisals, title documents, Verifications of employment, and any other supporting verifications as needed. I monitor the movement of the file to ensure we meet the closing dates, I work closely with the Loan Officers, Real Estate Agents and clients throughout the loan process.
I was laid off as part of the company downsizing.
From January 11, 2020 to April 2022
Guaranteed Rate, 3940 North Ravenswood Rd, Chicago, IL 60613 Paige Dwyer Mortgage Sales Trainer Lead 773-***-**** Currently licensed in CA, FL, GA, IA, Il, ME, MN, MO, NH, SC, TN, TX, VA Mortgage Consultant and Mortgage Gate Keeper- January 11,2020 to Present My role as a Mortgage Consultant was to coach clients to secure mortgage financing for various financing opportunities. I am responsible to complete an accurate mortgage application package for underwriting review. I work closely with the clients, and third parties involved in the transaction to ensure we close the loan on time as well as meet all compliance and regulatory guidelines. At the end of September, I was approached to assist with the Loan Submission quality before our processing team receives the file. I work closely with the Mortgage Consultants, the assistants and management team to strengthen the quality of our file before we submit for Underwriting review. I continue as a Licensed Originator but not currently seeking business opportunities. From October 2020 to January 2021 I was closing my mother’s estate and started my job search. From October 4, 2019 to October 16, 2020
DHI MORTGAGE, 1430 CULVER DR, PALM BAY, FL 32907
Denise Zakeri, Branch Manager 321-***-****
Mortgage Originator
*Ensure Uniform Residential Loan Application is complete *Review Credit to meet the program requirements *Collect and organize required documentation per Direct Underwriting requirements *Act as a liaison between customers, attorneys and financial institutions *Order and review verifications per Desktop underwriting requirements * Order FHA Case numbers, Flood Certifications, VA COE’s, pull tax bills and Order Home Owner Insurance policies *Manage a pipeline with various deadlines to ensure the file meets the closing date.*Work closely with the underwriter to clear all conditions *Assist the client to provide the requested underwriting conditions
From April, 2019 to October 16, 2019
VanDyke Mortgage, Keller Williams Office Melbourne FL Mortgage Originator
*Ensure Uniform Residential Loan Application is complete *Review Credit to meet the program requirements *Collect and organize required documentation per Direct Underwriting requirements *Act as a liaison between customers, attorneys and financial institutions *Order and review verifications per Desktop underwriting requirements *Manage a pipeline with various deadlines to ensure the file meets the closing date.*Work closely with the underwriter to clear all conditions *Assist the client to provide the requested underwriting conditions
From MAY 2018– APRIL 16, 2019
Launch Federal Credit Union, 300 S Plumosa Dr. Merritt Island FL 32952 Debra Hines, VP Real Estate Lending 321-***-**** EXT 1123 REAL ESTATE LENDING MANAGER
Streamlined mortgage origination processes, assisted to create new lending products, and trained branch teams and originators to offer these products. Managed the mortgage pipeline to review for SLA times and suggest enhancements to the processes. This was a small team, 1 processor and 1 Underwriter, I work daily with both and the Loan Origination team to order services, review file status and request conditions to ensure we met all deadlines.
From August 2017 to May 2018
LoanDepot, Melbourne Fl
Producing Sales Manager
I managed the office, including vendors, utilities, lease negotiations, and supplied. As a Loan Consultant I assisted clients with residential home loan financing including a variety of lending programs. I recruited teammates and assisted with training and mentoring. Review pipeline for SLA times to assist with meeting closing dates. I conducted various marketing events to promote the success of the team with Realtors, local Chamber of Commerce, and Title Companies.
FROM NOVEMBER 1, 2016 – AUGUST 2017
Atlantic Bay Mortgage
BRANCH MANAGER/LOAN ORIGINATOR
As a Loan Consultant I assisted clients with residential home loan financing including a variety of lending programs. I recruited teammates and assisted with training and mentoring. Review pipeline for SLA times to assist with meeting closing dates. I conducted various marketing events to promote the success of the team with Realtors, local Chamber of Commerce, and Title Companies. FROM OCTOBER 2012 – OCTOBER 31, 2016
SUNTRUST MORTGAGE
SALES MANAGER/LOAN ORIGINATOR,
As a Loan Consultant I assisted clients with residential home loan financing including a variety of lending programs. I recruited teammates and assisted with training and mentoring. Review pipeline for SLA times to assist with meeting closing dates. I conducted various marketing events to promote the success of the team with Realtors, local Chamber of Commerce, and Title Companies. FROM NOVEMBER 2011 – SEPTEMBER 2012
JP MORGAN CHASE
SENIOR LOAN CONSULTANT
Assisted clients obtain residential financing using a variety of lending products. Developed outside business to assist my retail branch meet their annual goals. FROM MARCH 2008 – NOVEMBER 31, 2011
INDEPENDENCE ASSOCIATION
EXECUTIVE ASSISTANT
I started with the company as a part time afternoon receptionist when the mortgage industry started to slow down. I began working the accounts payable/ receivables, and payroll. My last position with the company was the executive assistant, where I created an inventory supply system, and fleet management. I was responsible for the Executives calendar and correspondence and preparation for all budget /board meetings.
FROM JANUARY 2004-DECEMBER 2011 MORTGAGE BROKER/OWNER A COASTAL FUNDING LLC
MORTGAGE BROKER/OWNER
I was a licensed Mortgage Broker/Owner in Maine, New Hampshire, Massachusetts, and Florida. I assisted clients with their residential needs using up to 20 National Lenders. I maintained state and federal required licensing and advertising records. I worked with various vendors for loan origination software, credit reporting companies, and a variety of marketing sources. I was responsible for all vendor orders, file quality, collecting conditions and reviewing vendor reports to ensure we were within the program guidelines and ready for Underwriting review to close. I priced my loans to present to the clients, per the Lenders and our company profit guidelines. DATES FROM SEPTEMBER 1989 – DECEMBER 31, 2003
BRANCH MANAGER, ASSISTANT BRANCH MANAGER, HEAD TELLER, TELLER I started working in retail banking in 1989, I quickly was promoted into various positions assuming a variety of responsibilities. I was a loaned-out executive for various projects, working with auditors, and community events. I was the first loan officer to run automated underwriting, and I have seen many changes to documents and process. I have managed multiple branches and mentored many people in their careers.
EDUCATION
JUNE 1984 BUSINESS/PSYCHOLOGY, BRUNSWICK HIGH SCHOOL FEBRUARY 2005
MORTGAGE BROKER LICENSE, KAMBUCK SCHOOL Obtained my NMLS license in Florida SKILLS
Extremely organized 30+ years in the Finance industry I love to streamline processes I love to develop and grow teams Compassion and empathy with clients Outstanding work ethics ACTIVITIES My passions are giving back, assisting people achieve their goals, and meeting and exceeding expectations.
References:
Lorraine Caso Professional/personal 207-***-****
Nestor Parada Professional 321-***-****
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