Customer Service Loan Processor

Michael Matusik

*** ********** ****** #**, ****, MA 01902 617-***-**** *******.*.*******@*****.***

Summary of Qualifications

Meticulous professional with 20+ years’ experience in the mortgage industry. Specialize in providing outstanding customer service and working efficiently with borrowers to fit their specific needs. Thorough familiarity with full cycle mortgage process.

Professional Highlights

Senior Loan Processor, CrossCountry Mortgage, Chicago, IL (Remote) Aug 2021 – Aug 2022

Performed a thorough review and analysis of borrower’s credit, income and assets, appraisals, title and insurance to ensure accuracy before submitting the file to underwriting

Ensured the timely, judicious and accurate processing of mortgage loan applications

Manage a pipeline of about 50 loans effectively with 25+ loan closings per month

Mortgage Consultant, Guaranteed Rate, Chicago, IL (Remote) Dec2019 – Jun 2021

Worked closely with Loan Officers to ensure a timely and accurate experience for our clients – from first time home buyers to refinancers – throughout the entire mortgage process

Reviewed loan approvals and addressed conditions required for underwriting and closing

Managed scheduling and tracking of closing dates, contingency dates and loan lock expirations

Loan Processor, BlueHub Capital, Boston, MA May 2017 – Dec 2019

Verified and analyzed loan documentation including credit, appraisal, income and title, while maintaining strict compliance with all applicable federal and state regulations

Responsible for managing assigned pipeline of 50+ loan transaction on a daily basis

Maintained high level customer service and professionalism with borrowers who were in or facing foreclosure

Multiple firms and entities Aug 2015 – May 2017

Roles: Underwriting Associate, Loan Analyst, Loan Processor and Loan Closing Coordinator

Responsibilities:

oPre-underwrote mortgage loans for the underwriting team

oReview approval documents, including income, personal and corporate tax returns, bank statements and appraisals

oConfirmed accurate funding, lien payoffs and final mortgage recording by working closely with attorneys, loan officers and other departments

Default Specialist, Salem Five Bank (Randstad Staffing), Salem, MA Aug 2013 – Aug 2014

Monitored judicial and non-judicial foreclosures, and implemented appropriate methods to resolve customers’ inability to comply with mortgage loan terms

Worked in Loss Mitigation team, complying with FNMA and FHLMC guidelines in submitting current mortgage loans for modification review

Underwrote loans for loss mitigation modification review, calculating income, DTI, and appropriate LTV ratio

Michael Matusik Page 2

224 Washington Street #2A, Lynn, MA 01902 617-***-**** *******.*.*******@*****.***

Professional Highlights (continued)

Loan Account Specialist, Greenpark Mortgage, Methuen, MA Jun 2012 – Jul 2012

Provided support to Loan Officer and Underwriting teams by ensuring timely, judicious,

and accurate mortgage processing

Reviewed and verified borrowers’ income, credit reports, employment histories,

property appraisals, and title insurance information to prepare loan applications for underwriting submittal

Ensured compliance with company policies, underwriting guidelines, and lending-

program requirements

Senior Account Executive, BNY Mellon, Boston, MA Apr 2008 – Feb 2011

Managed $25–$50M monthly loan pipeline for Wealth Management division across the United States, including FL, GA, NY, CT, NH, ME, CA, CO, WA, and TX

Initiated marketing procedures that enabled mortgage group to grow from $240M upon hire to $1.2B after 1 year

Cross-sold existing mortgage clients with potential investment products, providing investment sales officers with substantial leads in their sales efforts

Pre-underwrote loans for underwriting department, reviewing loan documents and financial statements such as bank statements, asset statements, paystubs, and tax returns

Reviewed and approved appraisals on loans for underwriting department

Created new GFE format and oversaw its implementation, ensuring loans were in compliance with federal and regulatory guidelines

Senior Loan Officer, Consolidated Mortgage Services, Quincy, MA Aug 2007 – Mar 2008

Originated loans in Massachusetts territory for prospective homeowners

Worked closely with customers to increase home-buying potential by improving credit score, and researched programs through partner financial institutions to secure appropriate and beneficial loans

Developed relationships with local realtors through field networking and cold calling

Loan Account Manager, First Franklin, Woburn, MA Jan 2004 – Aug 2007

Processed 75–100 loans monthly, closing an average of 50–60 loans per month; consistently ranked in top tier, with average loan value of $200K

Using extensive VA, FHA, FNMA, Freddie Mac, and builder lending experience, analyzed financials for qualification; submitted and performed all customer contact

Priced loans for brokers once loan was approved and appropriate program established

Facilitated loan underwriting; ensured that conditions were satisfied and closing deadlines met; had authority to sign off on most loans

Education

BBA in Marketing, University of Kentucky, Lexington, KY

Relevant Courses: Marketing, Promotions Management, Business Management, Accounting, Finance, Business Writing, Research Marketing, and Internet Marketing

Technical Skills

Encompass, Caylx, MS Word, Access, Excel, Outlook, PowerPoint

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