Ritha M.Calvin

*** ***** **** *****

Lake Wylie, SC 29710

Phone 803-***-****

BACKGROUND

Over 20 years of mortgage processing experience in the financial industry. Pre-underwriting first and second non- conforming and conventional. Purchase money, refinance Mortgage loans, FHA, VA Conventional, FNMA Sub-prime. Four years of commercial loan processing experience. SUMMARY: Self-motivated, hardworking, quick-study professional in search of the right opportunity! A problem solver, good at multi-tasking and have a need to be challenged. EXPERIENCE:

Deephaven Mortgage- Loan Processor

July 31, 2017 – Present

Responsible for review of initial loan approval and work with seller to gather appropriate documentation. Working with sellers, underwriters to clear conditions through Encompass. Collect all required documentation for the loan package Create a loan submission package for the Underwriting department Submit files to assigned Underwriter. Send letter of eligibility to seller once loan is approved. After loan closes with seller, closed loan is submitted back to Deephaven for review. Due diligence finds may occur and loan processor will need to fulfill TRID findings in order for loan to be purchased. Bank of America: Loan Administrator:

May 2017 to July 2017 Contractor

Responsible for the daily operating requirements for syndicated loan relationships, providing administrative and operational loan support to relationship managers, syndicators, and high profile borrowers. Processes requests timely on system of record. Ensures borrower or agent requests adhere to the credit agreement terms. Reviews attorney prepared loan documents to ensure U.S. Bank can meet all operating, regulatory, and reporting requirements. Acts as a liaison between business lines and lender banks and facilitates communication internally and externally, as necessary. Develops money movement strategies, including managing all incoming and outgoing wires. Reliance First Capital: Loan Processor:

July 2016 – March 2017

Act as a liaison between borrower, underwriter, loan originator and lender. Provide customer with timely and periodic status updates of their loan application. .Return all inquiry calls within one business day. Compile documents for customer files and enter intakes to Data Management System for processing and assessment. Assure that all customer files are complete and in compliance with regulatory agencies and internal policies. Ensure customer privacy, security of files and appropriate staff access. Able to navigate AUS, LP, DU systems, loan submissions. Wells Fargo Home Mortgage,

March 2013 – July 2016

BSG-FHLMC/FNMA Title Clearing Specialist/Subordinations Analyze title reports and communicate title deficiencies Draft and finalize Subordination for 2nd or 3rd lien holders, as well as junior lien Holders.

Analyze and comply with all compliance within regulatory agencies and internal Policies.

Manage and surpass all quota levels as well as adapt to a fast ever changing environment. CORELOGIC

October 2012 to March 2013

Quality Data Analyst

Reviews, analyzes and ensures the quality of data loaded into database systems. Provides production job support from a quality perspective. Must be able to understand business rules, work with varying data formats and develop metrics and audit procedures to monitor data quality. Understand, query and manipulate varying data and file formats. Identify, compare and resolve data quality problems. Evaluate business impact of specific data quality issues. Measure and audit large volumes of varying data for quality issues. Work with multiple groups, including overseas groups, to resolve issues.

Bank of America

Oct 2010 – Oct 2012

Mortgage Loan Processor

Processing Loan Modifications. Reviewing documents for loan modification and determining whether borrower meets requirements. Act as a liaison between borrower, underwriter, loan originator and lender. Provide customer with timely and periodic status updates of their loan application. .Return all inquiry calls within one business day. Compile documents for customer files and enter intakes to Data Management System for processing and assessment. Assure that all customer files are complete and in compliance with regulatory agencies and internal policies. Ensure customer privacy, security of files and appropriate staff access. Navigates multiple systems and basic knowledge of excel. Makes decisions on loan applications up to the conforming loan limits; verifies customer income documentation; resolves routine title issues including, but not limited to: vesting issues, child support liens, judgment liens, mechanic liens, undisclosed liens reconveyances; processes subordinations; resolves appraisal disputes. Maintains a high level of customer service by being proactive in communication with customers and banking center associates.

Wells Fargo (Contractor)

Feb 2009 – Jan 2010

Loan processor

Managing a portfolio of problem loans. Functions include: performing risk evaluations; formulating and implementing workout strategies; analyzing business and personal financial statements and tax returns; monitoring credits; ensuring loans are structured and priced consistently with Bank policy and commensurate with risk; negotiating creative structures to meet needs of both customer and bank while minimizing risk exposure. Process Purchase money and refinance Mortgage loan application according to program guidelines from the time of receipt of application, through underwriting, to closing. Assist account executive, banking representatives and telemarketing personnel in the translation of program guidelines. Interfaces with borrowers, Realtors and other mortgage personnel with regards to applicants’ financial abilities and credit worthiness to repay loan. Software skills:

Word

Excel

Encompass

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