PROFILE OF QUALIFICATIONS

Experienced Mortgage Loan Analyst with a demonstrated 14-year history of working in the financial services industry. Skilled in wholesale/correspondent lending, sales, U.S. VA Loans, Jumbo, Non-QM, Investment Properties, and brokered products.

Reconciliation of transactions and activity to supporting documentation and resolving any discrepancies that may have been discovered.

Influential self-starter who quickly rectifies on-site and virtual challenges by streamlining operations, eliminating risks, and adapting to evolving scenarios in fast-paced environments

Dynamic communication and interpersonal relation skills with a continual commitment to discussing issues, corrective action plans, and areas of improvement with team members and management.

Adept at quickly earning trust, confidence, and respect to cultivate positive relationships that lead to increases in satisfaction, retention, and repeat business with customers.

PROFESSIONAL EXPERIENCE

8/2020 – 4/2023 Quintessential Mortgage Group, LLC

Loan Processor

Review credit applications for completeness and compliance with company and individual investor guidelines

Collect missing information from borrowers, update, and run through LP and/or DU underwriting engines.

Coordinate receipt of information from third party vendors necessary to approve and close loan files (i.e., appraisals, title docs, credit reports, condo questionnaires, etc.)

Corresponded with all pertinent parties involved in the loan transaction from application to closing.

Proficient with non-conforming, non-QM, and broker channels.

6/2016 – 8/2020 LoanDepot.com

Loan Analyst

Perform complete file analysis to ensure loans meet Qualified Mortgage (QM) and Ability-to-Repay (ATR) guidelines.

Provide an overall risk assessment of files.

Sending out “needs” lists to loan officers and borrowers, explaining the documents that will have to be obtained prior to the files being submitted into underwriting and prior to closing.

Reviewing all co-op and condo documents to see if the building meets MMI, FNMA, FHLMC and/or investor guidelines.

Pre-closing audits to ensure all compliance and regulatory laws have been adhered to

Collaborated with senior-level credit officers in determining approvals or denials of complex loan applications.

Consistently ensured operations were following regulatory requirements including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act, and Community Reinvestment Act

Communicating effectively with the loan officers, banks, borrower, attorneys, realtors and building transfer agents

Weekly pipeline reviews with management to give closing projections.

Maintained a pipeline of up to 120 loans in process.

Underwriting authorization to review, sign off on, and clear conditions of conventional loans.

2/2015 – 6/2016 Sterling National Bank, New York, NY

Mortgage Loan Processor

Order and review credit reports and appraisals

Order and review assignments of mortgage

Review and calculate salaried borrower’s income and bank statements

Generate disclosures and change of circumstances

Reviewing and clearing title reports for closings

Run and review compliance (Mavent)

Work with other lenders when brokering a loan with Bethpage Federal Credit Union; Bank of Internet and Astoria

Prepare expense reports for the loan officers with Concur

Maintaining and updating loan officer’s data base with borrowers, loan and referral information using FileMaker

Maintaining a high level of discretion, confidentiality and etiquette

1/2013 – 2/2015 Sterling National Bank, Great Neck, NY

Closing Coordinator

Prepare closing documents using Encompass, E3 and IDS

Prepare HUD’s and Closing Document

Review assignments of mortgage

Sending wires to settlement agents and/or borrowers

3/10 – 10/12 Robert Aronov & Associates, Richmond Hill, New York

Paralegal

Handled all aspects of a real estate transaction involving buyers, sellers and bank from contract to closing

Independently prepared documents involved in a real estate practice including but not limited to contracts of sale, riders, amendments, closing statements, powers of attorney and deed transfer packages, cema’s, recognition agreements and ucc1 and ucc3

Independently reviewed title reports and surveys

Heavy daily contact with clients, lenders, brokers, etc.

Process all bank files (purchases, refinances and helocs) from beginning to closing

7/04 – 1/09 Santucci & Wasserstein, LLP, Hicksville, New York

Paralegal

Handled all aspects of a real estate transaction involving buyers, settlers and bank from contract to closing

Independently prepared documents involved in a real estate practice including but not limited to contracts of sale, riders, amendments, closing statements, powers of attorney and deed transfer packages

Independently reviewed title reports and surveys

Independently attended closings

Heavy daily contact with clients, lenders, brokers, etc.

6/99 – 7/04 Bachu & Associates, Esqs., Richmond Hill, New York

Legal Secretary

Worked directly and under the supervision of a Senior Partner

Typed letters involved in a general practice law firm

Heavy daily client communication including intakes on general law office matters such as real estate matters, divorces, personal injury, immigration, etc.

Maintained office calendar and small office accounts

PROFESSIONAL EXPERIENCE

Kingsboro Community College

SKILLS: Bi-lingual: English and Spanish, Drafting Libraries for Windows (DL), Advanced Windows XP, Microsoft Office; Word Perfect, Encompass, E3, IDS, Lexis Nexis, NetOx, Virpack, Empower/M4, Mello, Desktop Underwriting and Loan Prospector

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