Vesta Maria Musha
New Port Richey, FL 34654
adzkzo@r.postjobfree.com
Responsible for processing of loan approved by Underwriter or an automated decisioning system. Based on product mix and business need, may be responsible for clearing conditions and issuing changes to the terms on previously approved loans Responsible for, but not limited to, verifying conditions of approval which may include customer income/assets documentation. Resolve title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens reconveyances; may process subordinations and resolve appraisal disputes. Maintains a high level of customer service by being proactive in communication with sales partners, including banking center associates, realtors, etc. The focal point of communication with customer and sales force in the closing process of the loan singing authority limited to clearing conditions on loans previously approved.
Highly familiar with critical compliance mortgage documents including Note, Mortgage, TIL, Itemization of Amount Financed, ROR and HUD.
Familiar with mortgage underwriting documents including 1--3, AUS results, 1008, Underwriting approvals, and appraisal. Familiar with mortgage products including Conventional, FHA and VA and their unique characteristics. Responsible for interpreting critical compliance mortgage documents and accurately Transferring data in response to script questions. Responsible for meeting individual production standards set forth for each review. Knowledge of processing payoffs which included but not limited to, processing of the payoffs for consumer and real estate loans which included the processing of Satisfactions of mortgage, recording mortgages and release of vehicle titles. Responsible for keeping track of in house floor plan accounts. Processed in house real estate loans, consumer loans and construction Perm loans, which Included input of all data and all upfront disclosures to the borrowers. Monthly and weekly reports as needed.
Highly familiar with Residential Mortgage documents of all types. Able to recognize and identify various product specific mortgage forms, disclosures, etc. Understanding of AUS findings and all pieces of data contained within. Able to read an appraisal report and extract pre-determined pieces of data. Able to read a credit report and extract pre-determined pieces of data. Working knowledge of the relationship between critical mortgage documents and the manner in which They affect each other.
Responsible for meeting individual production standards. Proficient with Microsoft Office Products, computer literacy, spreads adn related software, general office products as adding machine, telephone, etc. Proficient PC skills, strong verbal and written communication skills, ability to multi-task. Ability to stay organized while working on multiple projects, team oriented philosophy in accomplishing department goals.
Two+ Years Experience in Call Center.
Use of multiple window programs
Ability to respond to customer phone call while navigating through dDifferent programs Organizational skills and attention to detail
Receive calls from divisional associates/managers. Assist caller with HR related
Questions and changes (schedule changes, paid time off LOA”s, HR related issues.
Excellent written and verbal communication skills
Able to work independently.
Excellent time management skills.
Knowledge of HR Policies and procedures and the ability to convey this information to the
Caller clearly and efficiently
Four+ Years experience of running a small business, which consisted of: Accounts payable and receivable, working closely with wholesalers, FTD and Teleflora Wire Services.
Billing House Account customers on a monthly basis. Customer contact on a daily basis both face to
Face and on the telephone. Reconciliation of monthly bills from FTD and Teleflora. Responsibility of ordering and keeping track of the inventory in the store.
35 plus years’ experience in the of mortgage lending field which Consisted of:
Processing of high volume of mortgage loans, from conventional, FHA, VA, Down Payment
Assistance programs. Entailed attention to detail, good organizational skills, working very closely with borrowers, builders, realtors, along
with Title companies, appraisers, surveyors, etc.
Previous Loan Officer Experience included but not limited to: The responsibility of working with 17 Personal Bankers for their entire residential mortgage needs, along with solicitation of Realtors, builders, etc.
Nominated two years for Suncoast MBA (Mortgage Bankers Association) Processor of the Year.
Work Experience
Bank Of America 4909 Savarese Circle, Tampa, FL 336**-**-**-**** To Present
HSS II(Home Services Specialist II
JCIII & Associates
5700 E Hillsborough Avenue
Suite 2200
Tampa, Florida 33610
08/18/2014 to 05/18/2015t
8/11/14 to 5/15/15
Compliance Underwriting
Temp Assignment
Review of mortgage modifications for compliance, which included but not limited to review of: Mortgage Notes, Appraisals, Mortgages, Income and Asset Documentation, Title. Recalculation of fees to insure they were within compliance guidelines.
Responsible for reviewing and verifying properly executed mortgage documents, including but not limited to: Mortgage Notes, Appraisals, Income and Assets documentation, HUD-1 Settlement Statements, Appraisals, Title Commitments and Title Policies.
Benchmark Community Bank
950 N Mecklenburg Avenue
South Hill, VA 23970
11/25/2013 To 7/22/2014
Loan Assistant:
Responsible for processing in house loans, which consisted of Real Estate, Personal, Auto, and Commercial equipment loans
Responsible for end to end process including completing and submitting disclosures to customers i.e. Good Faith Estimates, TIL's and re-disclosing of any fees that change during Real Estate processing of loan.
Analyzed appraisals, title commitments, homeowners insurance, credit reports for real estate loans.
Prepared and reviewed HUD-1 settlement Statement for Real Estate Loan closings.
Disbursed funds for Real Estate and consumer in house loans.
Calculated and processed payoffs for Real Estate and consumer in house loans.
Processed Satisfactions for paid off mortgages and vehicle titles and UCC filings. 11/05/2012 To 08/30/2013
JC III & Associates
5701 E. Hillsborough Ave.
Suite 2200
Tampa, FL 33610
Tel: 813-***-****
11/3/12 to 12/5/12
Processing-Chase Pledge Project:
Review of mortgage loan documents including but not limited to: Mortgage Notes. HUD 1 Settlement statements. CO-OP properties, SFR and Condo/PUD review.
Captured mortgage loan files for vendor which consisted of Mortgage Notes, Appraisals, Credit and income Documentation, Title commitments and title policies, surveys, Homeowners Insurance/Flood Certs and Flood insurance. Review of HUD-1 Settlement statements. 11/3/2011 to 08/31/2012
4/18/2011 To 10/28/2011
United HealthCare Group
Oldsmar, Florida
PCRS-Provider Customer Resolution Specialist
Customer Service
10/03/2010 to 4/13/2011
Southeast Personnel Leasing
2739 US Hwy 19 N
Holiday, FL 34691
Administrative
03/05/2008 To 09/29.2010
Macy’s
13141 34th Street N
Clearwater, Fl 33762
HR Services/Call Center
8/01/2003 to 01/29/2008
Holiday Florist
2030 US Highway 19
Holiday, Fl 34691
Owner
11/02/ 2001 To 07/2003
Arvida Mortgage/Sunbelt Lending Services
300 S Par Place Blvd. Suite 150
Clearwater, Fl 33759
Sr. Loan Processor: Processed FHA/VA/CONV/Down Payment Assistance mortgage loans. Ordered appraisal, credit, title, Homeowners Insurance. Input all necessary into mortgage processing program. Ran AUS (DU/LP) for government loans. Cleared conditions for loan to move into closing. Reviewed HUD-1 Settlement statement for accuracy
and compliance.
Worked closely with title companies/agents in closing of mortgage loans. Maintained pipeline of 75-100 loan file.
7/2/2001 to 11/02/2001
Mortgage Support (Temp Agency)
8578 Gunn Highway
Commented [MVM1]:
Tampa, Fl 33556
Assignment: Arvida Mortgage
Sr. Loan Processor
3/5/2001 To 6/30/2001
Union Bancshares Mortgage
2208 US Hwy 19
Holiday, FL
NO LONGER IN BUSINESS
Loan Processor
9/11/2000 to 12/21/2000
Laid Off was unemployed and during that time, I was seeking employment and I did some Mortgage Brokering from home.
3/01/1999 to 9/11/2000
Amsouth Bank
Feathersound Corporate Center
Building 1 Suite 300
Clearwater, FL
Sr Loan Processor
03/1998 to 03/10/1999
Huntington Bank
Tampa, Florida
Mortgage Loan officer
Responsible for obtaining new loan pipeline of $1 million Which consisted with meeting customers to discuss residential loan programs and complete loan application process with the customers. 01/1995 to 03/1998
Barnett Bank
49th Street, Clearwater, FL
Sr. Loan Processor
Processing of residential mortgage loans from time of application through closing. Obtained large volume of FHA/VA Down Payment Assistant Program loans.
10/1993 to 01/1995
Union Banc Shares
Tarpon Towers, Tarpon Springs, FL
Sr Loan Processor
Processing of residential mortgage loans from
time of application through closing. FHA/VA and conventional loans 07/1991 to 10/1993
Mortgage America Funding
Tarpon Springs, FL
Sr Loan Processor
Processing residential mortgage
loans from time of application through closing.
9/1989 to 7/1991
Rutenburg Homes, Tampa Road, Oldsmar Florida
Administrative assistant-various clerical duties
6/1986 to 9/1989
Fortune Bank, US Hwy 19, Clearwater, FL
Loan Processor
Processing residential mortgage loans.