KIN CHOPRA

Tampa, FL

904-***-**** adxx3o@r.postjobfree.com

Project Manager and Mortgage Banking/Lendingprofessional with over 18 years of experience. Proven ability to manage multiple assignments while meeting tight deadline schedules and maintaining excellent communication. CAREER HIGHLIGHTS

Outline project goals, manage budgets and ensure all activity remains on schedule.

Oversee all expenses to ensure that activity remains within the project budget.

Meet with company executives and business owners to determine time frames and goals.

Oversee daily activities of employees to ensure they are working efficiently and effectively.

Ability to achieve immediate and long-term goals to meet project deadlines.

Committed to excellent communication, organizational, analytical and time management skills.

Accomplish common goals, but also excel with specific and individual objectives.

Mortgage Banking industry professional with management, processing and underwriting experience.

Comprehensive knowledge of conventional, government loan programs and bond programs.

Detail oriented and thorough in gathering all internal and external documents, validating data and reviewing files to guide each loan from pre-approval to closing by deadlines.

Maintain lending compliance, rules and regulations according to the Bank Secrecy Act, Office of Foreign Assets Control sanctions and the USA Patriot Act.

EXPERIENCE SUMMARY

Project Manager – Molina Healthcare – Remote [Aug 2020 – Present]

Define project roles and responsibilities in close collaboration with customers and vendors.

Attend meetings with the project team to ensure quality and timeliness of project completion.

Monitor and report progress across the project, including integration from all tracks of work into the overall project reporting database.

Manage contracts with vendors and suppliers by assigning tasks and communicating expected deliverables.

Predict resources needed to reach objectives and manage resources in an effective and efficient manner.

Serve as a liaison between the business and technical aspects of various projects.

Collaborate with high-performing teams and individuals within various departments to accomplish common goals and meet deadlines.

Responsible for the overall direction, coordination, implementation, execution and completion of projects.

Utilize industry best practices, techniques, and standards throughout entire project execution. Mortgage Processing Manager – Bluegrey Mortgage – Tampa, FL [Jan 2019 – July 2020]

Responsible for managing and updating daily pipeline reports for all team members.

Lead and manage a team of 8 processors and loan officers.

Ensure the efficiency of all business operations and create and implement changes as needed.

Follow up with all clients, realtors and third party vendors and provide daily updates on the loan status.

Ensures all team members perform to company set standard productivity and customer service levels.

Assists Processors in maintaining company set turn times and attain individual and team goals.

Effectively manage the processing of high volumes within the expected time-frames and deadlines.

Responsible for facilitating loans from the time of origination, final approval to closing.

Perform credit risk analysis and evaluate financial documents for accuracy and completion.

Ensure loans are in compliance with state and federal guidelines while adhering to company guidelines.

Mentor and coach team members and identify/implement training opportunities. Senior Processor III – NFM Lending, Tampa, FL [Jun2015 – Dec 2018]

Coordinate workflow and manage accurate pipeline reports for senior management.

Participate in daily/weekly senior management calls to discuss progress, loan products and guidelines.

Clear any red flags on loan applications and ensure loans are within compliance prior to closing.

Served as the main point of contact for clients throughout the process to ensure all timelines are met and underwriting conditions are satisfied.

Oversee and guide Junior Processors in completing files and ordering third party verifications.

Monitor processes for efficiency and effectiveness; provides top management with recommendations for

Improvement.

Analyze client documents, validate data and sign off loan conditions within expected turn times.

Build and maintain relationships with various lines of business and compliance contacts across the company resulting in a strong partnership and process improvements.

Assisted risk management as needed to resolve incomplete files, investor suspensions or any QC issues that arise.

Served as a liaison between NFM lending and clients via effective verbal and written communication.

Review internal audit requests and provide clarification or supporting documentation when needed. Loan Specialist III – Raymond James Bank, St Petersburg, FL [Oct 2010 – Jan 2012]

Achieved level 2 underwriting sign-off authority on mortgage home loan purchases and home refinances.

Monitor loans in pipeline from origination through the entire loan process up to the final closing date.

Verified loan applications and reviewed all supporting documents for accuracy and completion.

Provide consistent loan status updates to all clients, financial advisors, loan originators, closers, underwriters and department managers.

Review and evaluate credit reports, appraisals, title reports, income, asset and third party documentation in full detail for accuracy and completion.

Ensure all initial and final disclosures are in compliance with company and state regulations.

Exceeded monthly loan production goals while maintaining a high level of customer service satisfaction.

Received an award for highest producing Loan Specialist for the quarterly year. Loan Processor II, Countrywide Home Loans [Feb 2005 – Sep 2010]

Order homeowner’s insurance, appraisals, flood certifications, payoffs and title commitments.

Determined and documented loan conditions, communicated requirements and/or decisions with borrowers.

Reviewed and analyzed loans to ensure accuracy, business value and compliance with company guidelines.

Evaluated debt ratio, loan-to-value ratios, credit reports, property valuation and credit documents.

Run Desktop underwriting system, cleared conditions and scheduled closings in a timely manner.

Reviewed the initial and final HUD Closing Statements with borrowers and Home Loan Consultants.

Analyzed loan documents including pay stubs, bank statements, title policies and appraisals Loan Coordinator – JP Morgan Chase [Jul 2002 – Jan 2005]

Received and analyzed loan documents including pay stubs, bank statements, title policies and appraisals.

Answered questions related to loan status and loan programs for Brokers and Account Executives in the

Wholesale lending department.

Facilitated the final decision process by actively managing a large pipeline of preliminary approved loans.

Completed verbal and written verification of employment prior to closing date.

Ensured that all State/Federal/Corporate disclosures have been prepared in compliance with regulations. EDUCATION DETAILS

Degree Institute/ University Specialization

B.S. University of Florida, Gainesville Business Administration-Finance and Economics [June 2002]

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