Victoria Dawson
Spring Hill, FL ***** 516-***-**** adycm9@r.postjobfree.com
Education
Franklin K. Lane High School
Graduated June 1994
Experience
Ridgewood Savings Bank Queens, NY
October 2011 – present
Mortgage Underwriter
Review broker files for commitment approval
Check to make sure file meets Fannie Mae guidelines
Calculate income
Clear files for closing department
Verify all requested documents are received to send to bank attorneys for closing
Revised commitments and revised loan estimates
Contact brokers and borrowers for documentation
Review Appraisals for Accuracy, Calculate monthly Hazard Insurance, Monthly Taxes
Review Property Reports for HELOC’s & HRL’s
December 2007 – October 2011
Senior Mortgage Processor
SONYMA loans/Affordable housing loans/Adjustable, bi-weekly and fixed loans
Reviewing loan estimates
Calculating insurance and taxes
Commitment disclosures mailed to borrower and broker
December 2006 – December 2007
Mortgage Processor
Review retail files
Asking for signed documents for approval
Order appraisals
Enter data on computer
Order credit report/Order underwriting findings
Send out conditional commitments
January 2003 – December 2006
Mortgage Closer/Senior Mortgage Closer
Set up files for closing attorneys
Prepare documents requested
Prepare funds requested for closing
Send closing documents to attorneys
Create escrow account for loans
Reviewing signed notes and mortgage documents for accuracy
Check closing documents are acceptable and accurate for items requested
Making sure checks and amounts are correct and payable to correct persons
Pay flood fees to flood company
Skills
Proficient in Microsoft Office
Knowledge of SONYMA, Fannie Mae, Home Equity Lines of Credit, Home Resource Loans, Education Loans and Personal Loans
Knowledge of Conventional, Jumbo, Wholesale, HELOC, HRL, HMDA, LOS/MortgageBot, PMI, DU
Strong organizational skills, adapts and learns quickly and team player
• NMLS #646638