Melissa A. Sandoval

**** ****** ****** *** *****, CA 92117

Phone: 619-***-**** / Email: ady4oq@r.postjobfree.com

https://www.linkedin.com/in/melissa-sandoval-b9934884/

OBJECTIVE:

To obtain a position in the mortgage industry where I will have the ability to utilize my skills to create a successful work environment and have the ability to grow. SUMMARY OF QUALIFICATIONS AND SKILLS:

● Highly focused and result-oriented, ability to identify goals and priorities and resolve issues

● Ability to manage and maintain productivity during peak periods and high volume

● Highly motivated, team-player, meticulous and professional

● Experienced in reading insurance policies

● Systems worked with: Calyx Point, Encompass, Empower, Microsoft Outlook

● Certified Notary Public

WORK EXPERIENCE:

HOMELIFE MORTGAGE MORTGAGE - IRVINE, CALIFORNIA 4/2023 - 6/2023 (Laid Off) Sr. Loan Processor - Remote Position

● Processed brokered loans

● Communicated with borrowers, lenders and loan officers daily

● Ordered appraisals, opened title/escrow, credit supplements, insurance policies

● Processed DSCR and Bank Statement loans

SYNERGY ONE LENDING, INC. - SAN DIEGO, CALIFORNIA 11/2021- 12/2022 (Laid Off) Sr. Loan Processor - Remote Position

● Processed loans for purchases and refinances from beginning to end

● Communicated with borrowers, title/escrow agents, insurance agents and loan officers

● Ordered services for each file including CAIVRS, Refi Authorization, Appraisals, VA Case Numbers

● Maintained an average of 20-45 loans

● Processed FHA, Conventional, VA, Jumbo, Brokered, Reverse Mortgages, New Construction and Down Payment Assistance loans.

CORNERSTONE FIRST MORTGAGE, INC. – SAN DIEGO, CALIFORNIA 02/2016 – 11/2021 Processing Lead/Sr. Loan Processor - Remote Position

● Managed 25 team members. Created Loan Processing Manual, Insurance Checklists & Job Aids.

● Managed: Processing Team Leads, PreProcessing and PreClosers

● Handled daily escalations, Pipeline Management, Trained New Hires

● Ensure turn times are being met by all departments under me.

● Kept company Intranet updated with Job Aids, Guidelines and Loan Processing Manual.

● Processed FHA, Conventional, VA, Jumbo, Brokered, Reverse Mortgages, New Construction and Down Payment Assistance loans.

LOAN DEPOT - SAN DIEGO, CALIFORNIA 02/2015 – 02/2016 Sr. Loan Processor

● Processed loans for purchases and refinances using Empower

● Ordered services such as flood cert, transcripts, VOE’s, VOM’s, etc.

● Reviewed HUD’s, confirmed fees with agents, redisclose as needed

AIMLOAN.COM - SAN DIEGO, CALIFORNIA 07/2014 - 02/2015 Sr. Loan Processor

● Successfully process loans using Encompass. Used the system to order title, escrow and credit

● Reviewed Good Faith Estimates, HUD-1 and sent disclosures

● Order Verification of Mortgages and Employment, Condo Certs and Subordinations CHASE – SAN DIEGO, CALIFORNIA 08/2009 - 01/2014

Loss MIT Underwriter/Foreclosure Analyst

● Underwrite high risk files, some in bankruptcy, for several investors to determine proper loan resolution, adhering to stringent quality and production metrics.

● Took ownership of my portfolio with the goal of obtaining a decision for the borrower in a timely manner

● Worked with Private/Asset/Freddie/Fannie/FHA loans

● Reviewed applications, credit, value of home and income sources for mortgage loan modifications

● Negotiated terms directly with investor on certain portfolios

● Managed an average of 25-35 loans

EDUCATION:

● Bachelors in Human Services, University of Phoenix, 2005

REFERENCES UPON REQUEST

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