Marine Zakaryan

Sunland, CA *****

623-***-**** adxx9x@r.postjobfree.com

SUMMARY:

•Highly detail–oriented and organized loan processor/closer/funder with 15 years of experience in the fast- paced environment

•Processed mortgage loan applications from post underwriting to closing while resolving customer issues regarding rates, home values, and documentation requirements.

•Reviewed documents such as titles, credit reports, paychecks, W2's, flood certificates, appraisals for accuracy, and adherence to business and government regulations

•Verified the client's worthiness thru examination of credit, appraisal, and title reports; asset statements, insurance policies, and income documentation.

•Effectively managed a pipeline of 35-40 residential mortgage loans-Process mortgage loan applications from post underwriting to closing while resolving customer issues regarding rates, home values, and documentation requirements.

•Skills: Mortgage Lending · Loans

PROFESSIONAL EXPERIENCE:

FBC Mortgage - Remote - Orlando Florida 04/2021- 02/2022 Loan Closer- Closed all types of loans

• Review loan files to ensure all PTF conditions are cleared and the file is ready to close.

• Strong Understanding of TRID Disclosures, CD/LE, compliance violations and over tolerances.

• Coordinate with Escrow/Title companies to obtain all necessary documents to prepare the CD.

• Prepare and review CD for accuracy, balance settlement fees with escrow and title companies.

• Manage (lock expiration, contingency date, contract date, credit doc expiration, and other compliance related dates). Facilitate completion of any necessary loan lock or lock extension agreements.

• Review, verify, organize, and audit closed files to ensure accuracy, completeness, and compliance with company and regulatory guidelines. Making sure documentation contains no blanks, required signatures, and dates.

• Prepare and draw funding packages including closing disclosures, deed of trust, note, and all applicable riders in accordance with policies and guidelines.

• Coordinate with Loan Officers, Processors and Escrow officers to ensure closing appointments are scheduled promptly. Draw closing documents and engage escrow/title for closing coordination

• Review executed closing package for accuracy prior to releasing loan funds.

• Coordinate wire requests with the accounting team.

• Monitor and maintain the funding queue to ensure timely delivery of all funds

• Utilize a funding checklist to ensure files are stacked correctly and contain all required documentation. Helped the post-closing team with a special project to send out the Post Closing CDs with corrections to match the final settlement statement. Assisted other departments with a special projects using Freedom Docs system uploaded missing appraisals by retrieving from Freedom Docs and uploading to the current system. Sterling Bank and Trust Arcadia, CA 10/2019 – 04/2021 Loan Closer/Funder

•Review loan files to ensure all PTF conditions cleared and file is ready to close.

• Strong Understanding of TRID Disclosures, CD/LE, compliance violations and over tolerances.

• Coordinate with Escrow/Title companies to obtain all necessary documents to prepare the CD.

• Prepare and review CD for accuracy, balance settlement fees with escrow and title companies.

• Manage Key dates (lock expiration, contingency date, contract date, credit doc expiration, and other compliance related dates). Facilitate completion of any necessary loan lock or lock extension agreements.

• Review, verify, organize, and audit closed files to ensure accuracy, completeness, and compliance with company and regulatory guidelines. Making sure documentation contain no blanks, required signatures, and dates.

• Prepare and draw funding packages including closing disclosures, deed of trust, note, and all applicable riders in accordance with policies and guidelines.

• Coordinate with Loan Officers, Processors and Escrow officers to ensure closing appointments scheduled promptly. Draw closing documents and engage escrow/title for closing coordination

•Review executed closing package for accuracy prior to releasing loan funds.

•Coordinate wire requests with accounting team.

•Monitor and maintain the funding queue to ensure timely delivery of all funds

•Utilize a funding checklist to ensure files are stacked correctly and contain all required documentation. EverTrust Bank - Arcadia, CA 08/2017- 10/2019

Consumer Loan Processor/Closer/ Funder/Boarding

• Process and prepare loan applications and thorough understanding of various product/program guidelines, necessary conditions for approval, and investor specific guidelines for Fannie Mae/Freddie Mac

• Opening Escrow: (Ordering and analyzing the Credit Report, Income Documents, Payoffs, Title, Flood and Appraisal)

• Communicating effectively with borrowers, loan officers and title/escrow companies from date of application through closing

• Checking loan information for accuracy and completeness.

• Running loans through automated underwriting system (AUS).

• Obtain and review documents for compliance by maintaining system accuracy

• Preparing Loan Estimates and Closing Disclosure (LEs/CDs)

• Send proper disclosures as required by federal regulatory compliance

• Manage key dates; for example, lock expiration, contingency date, contract date, credit doc expiration, and other compliance related dates

• Submitting files to underwriting for loan approval.

• Conducts daily review and follow-up with customers and vendors regarding outstanding items; gather necessary documentation as needed.

• Review loan scenarios with Loan Officers before submission to underwriting to ensure accuracy and compliance with Investor, Agency, and Company guidelines

• Gather conditions and submit the loan for approval to secondary market by complying with their guidelines

• Review CD for accuracy, balances settlement figures with title and escrow companies

• Draw closing documents appropriate to the loan type, program, and investor.

• Perform various compliance checks with each new phase of doc drawing and funding.

• Obtain and review documents for compliance with loan conditions with the loan officer, coordinating with buyers, sellers, title companies, escrow agents, surveyors, and real estate agents to obtain additional documentation, complete loan submissions and perform closings

• Reviews signed closing documents for completion and accuracy.

• Funds loans in accordance with guidelines and request wire from the Warehouse Banks PENNYMAC LOAN SERVICES LLC. – Pasadena, CA 08/2014 – 08/2017 Sr. Loan Processor

• Gathered all the necessary documents to analyze and send the file to underwriting for review and approval.

• Processed and prepared mortgage loan packages under various loan programs for closing in accordance with policies and procedures.

• Provided support to loan officers and underwriter teams by ensuring the timely, judicious, and accurate processing of mortgages. Reviewed and verified borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal.

• Ensure compliance with company policies, underwriting guidelines and lending program requirements.

• Outperformed company average in achieving loan processing turn-around time of 20 days or less (compared to typical 30 to 45 days) by managing daily, weekly, monthly pipeline.

• Worked directly with customers to ensure customer satisfaction.

• Provided expedient service cited as key to consistently achieving 100% customer satisfaction overall by maintaining system accuracy. Issued disclosures as required by federal regulatory agencies.

• Obtained and reviewed documents for compliance with loan conditions with the loan officer, coordinating with buyers, sellers, title companies, escrow agents, surveyors, and real estate agents to obtain additional documentation, complete loan submissions and perform closings CHASE BANK, Chatsworth, Ca 09//2011 – 08/2014

Sr. Loan Processor/ NMLS certified

• Processed and prepared mortgage loan packages (conventional, government, purchase, and refinance) under various loan programs for closing in accordance with policies and procedures.

• Provided support to loan officers and underwriter teams by ensuring the timely, judicious, and accurate processing of mortgages. Reviewed and verified borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal.

• Ensure compliance with company policies, underwriting guidelines and lending program requirements.

• Outperformed company average in achieving loan processing turn-around time of 20 days or less (compared to typical 30 to 45 days) by managing daily, weekly, monthly pipeline.

• Worked directly with customers to ensure customer satisfaction.

• Provided expedient service cited as key to consistently achieving 100% customer satisfaction overall by maintaining system accuracy. Issued disclosures as required by federal regulatory agencies.

• Obtained and reviewed documents for compliance with loan conditions with the loan officer, coordinating with buyers, sellers, title companies, escrow agents, surveyors, and real estate agents to obtain additional documentation, complete loan submissions and perform closings WELLS FARGO BANK, Phoenix, AZ 06/2005-06/ 2010

Call Center/Loan Specialist/Home Equity Center

•Served as the primary point of contact post origination to closing, verify inputs in the loan origination system and update as necessary.

• Accomplished goal of contacting customers and bankers within 24 hours of receipt of loan application.

• Efficiently managed a personal pipeline of up to 40-50 loans, ensuring all daily file tasks completed in a timely manner.

• Verified the accuracy of documentation.

• Packages files for underwriting and closing teams.

• Reviewed, validate, and satisfy loan conditions. Prepare and submit quality files to underwriting for analysis.

• Continually met requirements set by underwriting to achieve rapid loan approval.

• Achieved 100% success rate for meeting loan closing dates

• Partnered with Sales and supported several different processing and underwriting groups.

• Throughout the loan lifecycle maintained amicable relationships with various involved parties such as vendors, personal bankers, underwriters, closers, and supporting teams

• Cross- trained new employees

• Performed other duties as necessary.

EDUCATION

BA Degree in Arts – Armenia 1982 -1986

Accounting Certificate – Glendale Career College 1995 - 1996 Certified Loan Signing Agent 2019- Present

Skills

•Strong Customer Service and analytical skills

• Microsoft Office: Outlook, Excel, Word, Power Point,

• MTG Softwares: Encompass, (2.0 closing) MortgageBot LOS (Finastra) Laser Pro, ACAPS, Hogan, Mask, Shaw, Odyssey, Loan Solutions, Delphi, Empower, Ruby, Calyx, Edge, CLOSR, MSP, SFM, LPS (Pipeline Management). DocMagic Purchase/Refinance Conventional and Government programs :FHA, VA, CalHFA, Bond, New Constructions, HARP and HELOC Agency Loans, High Balance Jumbo and Portfolio Loans for Foreign Nationals, Advantage Program Tenants in Common (TIC) loans, SBA Loans, Hybrid closing

Contact this candidate