SANDRA REDDIC

An enthusiastic, team player seeking a home in a fast paced, friendly environment with opportunities for growth.

Los Angeles, CA

adyfww@r.postjobfree.com

+1-661-***-****

NMLS#

I possess twenty-two years of financial expertise overall. My primary focus was in the mortgage real estate field. In this sector there is extensively fifteen-years of residential mortgage processing, underwriting and closing experience with purchase, refi, HELOC, reverses. I have worked within credit unions, mortgage banker, lending and broker companies during this period. I am skilled in processing and underwriting a loan from initial application to doc signing and recording, with the ability to accurately calculate dti, ltv, income and tax returns. Three-years experience in accounting, receivable, payable, collections, and cash, check,credit card applications, general ledger, billing and expense reports, charge backs, receivables, payables, collections, ach, lockbx payment posting.

Authorized to work in the US for any employer

Work Experience

Sr. Loan Processor

Chevron Federal Credit Union - Remote

June 2021 to Present

Process residential mortgage loans that consist of purchases, refinances and HELOCs for credit union members.. Monthly loan closings of 25 to 30 loans. Sr. Loan Processor

Draper & Kramer Mortgage Corp - Remote

April 2020 to June 2021

My processing pipeline queue of 65 loans with monthly closings of 25-30. Pipeline consisted of various loan types: Jumbo, VA, FHA DPA, Bond loans and conventional residential mortgages. Order and reviewed title reports, appraisals, purchase contracts, COC, TRID, rate lock, PE, and CD. Run AUS DU and/or LP findings, calculation of income, request pertinent client documentation to ensure it’s within company policies and procedures as well as Fannie and Freddie guidelines. Cleared underwriting conditions for CTC approval and prepped for closing assignment.

Sr. Loan Processor/Account Manager

Greenbox Loans, Inc - Los Angeles, CA

August 2019 to December 2019

Pipeline queue of 30 loans and 15-20 monthly closings. Non-QM, wholesale loan processing. Run and analyze credit report, DU/LP, dataverify, MERS, calculate income, assets, order and review appraisal reports, escrow, title, CPL, E&O, ensure within TRID, Fannie Mae and or Freddie Mac guidelines and lending policies and procedures. Scheduled/arranged doc signing/funding figures, meet other UW and closing conditions.

Sr Loan Processor/ Broker Asst.

Stone Realty & Lending - Beverly Hills, CA

August 2012 to July 2019

• Liaison between broker and clients.

• Request loan documents the loan processing.

• Assist with loan structure, sales contract and/or any addendums and final walk-through.

• Set up open houses and assist with property tours.

• Loan processor

• Calculation of income, LTV, debt to income ratios and review of tax returns.

• Take initial loan application and run credit report.

• Formal submission to lender and or Bank.

• Retrieve pertinent stips from clients P T D and PTF.

• Schedule escrow doc signing, assist with loan funding, confirmation of title recording, closing and retrieval of property keys.

Sr Loan Processor

AAG Reverse Mortgage - Orange, CA

July 2012 to September 2012

Contact clients within 24 hours of receipt of file. Order title, appraisal and review for clearance of liens, judgments and misc negative information. Ensure property is adequately insurance by contacting insurance carrier and modifying the mortgagee clause. Formal submission to UW dept for loan approval. Adhere to and sign off on all PTD, PTF conditions. Set up the doc signing appt with a notary or attorney contingent upon which state the property is located. Send to post-closing dept. Verify clients are 62 years and older to qualify.

Medical Claims Clerk/ Billing

Healthcare Talent - Commerce, CA

August 2011 to July 2012

Collections, Customer Service, AR, Appeals, researching, corrections, preparation of annual/monthly/ weekly/daily reports of AR/Collections activities. The ability to research and resolve open accounts thoroughly and accurately, account follow-up activities, updating information on accounts, audit for errors

(e.g. CPT, DX), make necessary corrections, etc. I am capable of working independently and have strong customer service, analytic and problem solving skills, and am able to understand, interpret and explain patient/payor responsibility, billing and collections policy and practices. Incumbents may assist other team members.

Retrieves all medical records needed to submit with claim form in a timely manner. Contact Insurance Carriers and or patient's for payment status, payment posting. UB1500, coding accurately, (eob) appeal denials done in a timely manner and follows up on the appeals process. Monthly follow up on all claims over 45 days. Assist supervisor and other billers as needed. Give supervisor updates on outstanding claims. Collections conducted within timelines outlined by the payors/department and exceeding expectations of the department.

Ability to handle multiple tasks frequently and with short timelines, to prioritize and organize work, and to complete assignments in a timely, accurate manner. Sr. Loan Processor

DISYS/Bank Of America - Pasadena, CA

September 2010 to February 2011

In this position I was the liaison between all vendors, clients and the loan officer. I calculated income, processed all documents and ordered vendor information for a formal loan approval. Signed off on all PTD/PTF conditions and ensured a timely and cost effective loan closing. Calculation of DTI, income, verify assets, employment and submit to an underwriter for approval. Ensured all loan conditions were met. Reviewed title, appraisal. If applicable, ordered loan subordination or pay off demands. AR/Cash Application Supervisor

Club Assist, U.S., LLC - Los Angeles, CA

August 2008 to September 2010

Trained, managed, and coached for subordinates. Post daily cash receipt payments from the lockbox to appropriate accounts. Process payments via credit card and ACH wire. Reconcile to the general ledger, monthly closings, small write-offs, collection calls on delinquent accounts and submission to collection agencies. Reconciliation of accounts, expense reports, process payments of accounts for the company like cell phone, rent, Process weekly and monthly reports in excel as well as month-end closing and assist with audits year end. If applicable, place accounts on credit hold, process charge backs, and payment plans. Set-up new accounts, generate weekly and monthly aging reports to managers and regional managers as well as the V.P. of AAA West region. Month end closing, mail, and/or fax monthly statements or payment history to clients. I would also give power point presentations quarterly for all of the West Coast region. Increased the payment turn time from 60 days to 30 in two months. AP/AR/Cash Application Clerk

New Feit Company - Los Angeles, CA

January 2008 to August 2008

Process payments by generating checks to utility companies, property management, and misc freight companies. Collection and post payments from vendors whom have purchased from us. Posted them to general ledger, processed small write-offs, charge backs and placed delinquent accounts on hold, or established a reasonable payment plan. Three way matching: invoice, purchase order and bill of lading and or freight. Order of miscellaneous inventory, supplies, gather time sheets for payroll, And or assist with any hours or schedule discrepancies. Collections on monies due to company, Account reconciliation, assist with forecasting, audits at year end, monthly closings. Loan Processor/AP & AR

Holland & Associates - Los Angeles, CA

April 2005 to January 2008

Processed loans by taking the initial loan application, run credit, and gather all pertinent assets and income documentation for a formal loan submission. Select and price the appropriate loan for the client as well as set up the doc signing appointment to ensure Holland was available for any questions. Qualified potential tenants for rental opportunities with invested properties, collection and posting of rents to specified tenant accounts. Scheduled all appointments for property/rental unit viewing, section 8 inspections, and other misc vendors such as utility and/or plumbing concerns as well as paying the vendors.

Reconciliation of accounts, cast applications and payment posting, monthly and quarterly year end reports, preparation for audits year end tax filing. Collection via telephone, email, drafting of acct statements And invoices.

Loan Processor/Doc Drawer & Funding/underwriter

Ditech/GMAC - Irvine, CA

November 2004 to April 2005

Gathered clients documentation, calculation of DTI, income, verify assets, employment and submit to an underwriter for approval. Ensured all loan conditions were met. Reviewed title, appraisal, and drew loan docs and scheduled a traveling notary for doc signing appointment. Loan Processor/Jr Underwriter/Loan closer

SRS Group, Inc - Pasadena, CA

July 2002 to November 2004

Temporary Mortgage Agency. Various Assignments through the years with J.P. Morgan Chase, Washington Mutual, Citigroup Smith Barney, Lockheed Federal Credit Union and CIT. My Responsibilities consisted of Calculation of DTI, income, verify assets, employment and submit to an underwriter for approval. Ensured all loan conditions were met. Reviewed title, appraisal. If applicable, ordered loan subordination or pay off demands. Running loans through do you LP and or manual underwriting,Drawing of loan documents through doc magic, scheduling of docs signing, Review of receipt of loan docs back signing off on funding conditions balancing of the HUD, setting up closings and recordings with title and escrow And prioritizing closings of loans and the processing into underwriting operations department’s.

Loan Processor/Broker Asst/Prop Mngr

Central Lending & Real Estate - Los Angeles, CA

January 1999 to July 2002

Calculation of DTI, LTV, income, verify assets, employment and submit to an underwriter for approval. Ensured all loan conditions were met. Reviewed title, appraisal. If applicable, ordered loan subordination or pay off demands. A customer oriented liaison with all parties involved while documenting the process on each loan file. Assisted with setting up open houses, drafted real estate documents for our Ameriquest foreclosure listings. Pre-qualified candidates for investment rentals and starting up the property management side of our company.

Education

Medical Biller/Coder Diploma in Medical Coding, Medical Billing Career College Consultants - Los Angeles, CA

2011 to 2012

Some college in Property Management, Real Estate Law, and Accounting West L.A. Community College - Culver City, CA

2001 to 2004

High school diploma or GED

Skills

• Accounting, Account reconciliation, auditing experience, payables/receivables, collections, mathematical capabilities. Computer: Quick books, AS-400, Great Plains, Crystal reports, Microsoft word, excel, Internet, Outlook, Medisoft, fax, scanner, copier, Doc magic, calyx-point, genesis, encompass, citrix, contour, epacs, AU, DU, LP, Countrywide/BofA software, Residential, commerical properties, hard money loans, A paper and sub prime, paperless loan processing experience. ICD-9, HCPCS, pathology, medical terminology,billing, coding, medical records, CPT, adding machine, and type 60WPM (Certificate) (10+ years)

• FHA

• Encompass

• Mortgage Loan

• Bookkeeping

• Accounts Payable

• Quickbooks

• Accounting

• Accounts Receivable

• Cash Application

• Medical Billing

• Receivables

• AR

• Credit Analysis

• Underwriting

• General Ledger Reconciliation

• Journal Entries

• General Ledger Accounting

• Medical Collection

• Property Management

• Time management

• Microsoft Excel

• Supervising experience

• Google Suite

• Databases

• NetSuite

• FNMA

• Loan officer experience

• Fair Housing regulations

• Loan origination

• Financial services

• Mortgage servicing

• Loan processing

Certifications and Licenses

Medical Billing and Coding

May 2012 to Present

NMLS

Contact this candidate