CAMIESA R ROGERS

Oak Park, IL 214-***-****

Email · adzp7t@r.postjobfree.com

Experienced Mortgage Loan Processor & Jr. Underwriter with strong data analysis and organization skills. With a specialized comprehensive understanding of Residential & Commercial Loan guidelines and compliance.

Skills: Residential/Commercial loans, Non-QM Markets, DSCR, Risk Management, Strong Communication, Financial Analysis, Microsoft Word, Adobe, Loan IQ, AUS, DUS, Excel, Data Entry, lease Pak, and Power Point

EXPERIENCE

MARCH 2023-MAY 2023

SYNDICATED LOAN ANALYST WIPRO REMOTE

Initiate loan activity (fundings, repricing, payments) as instructed by the client in accordance with credit agreements

•Reconcile daily funding and payment activity to account for all daily cash transactions

Calculation and tracking of complex interest and fee accruals at various rate levels across changing lender distributions

Read and interpret complex legal credit agreements and related documentation working with attorneys when applicable

Initiate and reconcile automated funds movement in accordance with client/lender instructions

Monitor and escalate past due principal, interest, and fees to ensure that the loan accounting system is accurate and provide clients timely and accurate invoices

Maintenance of margin changes and proper communication to bank group

Provide information as requested by Clients, Business Partners, Middle Office, or Lenders

Assist with any administrative tasks associated with the terms of a Credit Agreement;

Perform quality control on new deals, restructures and amendments by thoroughly understanding the credit agreement verifying system set up accuracy

Back up co-workers, work with various special projects or other tasks as assigned

RANDSTAD JPM CHASE APRIL 2022-MARCH 2023

Loan Document Originator III Commercial Equipment Finance

Completion of assigned Deal Setup cases within designated Service Levels

Comparing booking package documentation & closing checklists against internal credit systems & proposals

Timely attestation/correction of Quality errors and Service Level breaches

Maintain prompt and proactive communication with business partners as to the status of their booking case

Minimize credit and business risk through awareness of procedure, compliance, and bank policy

Syndicated loans, Airplane deals, Floating and Interim Loans Fixed rate loans

Assist in high priority regulatory ad hoc projects across their lifecycle by identifying and structuring problems, analyzing root causes, developing solutions, communicating project results, and obtaining buy-in for change.

Effectively partner with key stakeholders and subject matter experts across Technology and Businesses to promote a more integrated approach to program execution.

Drive tactical and strategic planning to ensure the program corrective actions plans are met. This includes identifications, documentation, reviews of multiple deliverables (ICG businesses, Internal Audit, Risk etc.) before distributing to Regulators on a regular basis

Identify, prioritize, and own execution of opportunities, end to end, to drive operational efficiency including Data Quality, completeness, data linage and data coverage

Demonstrates ability to identify potential risk issues that need escalation and escalates them promptly

Support the development of detailed user stories, requirements, data and system flows as part of requirement gathering

SME of Securitization and Structured Credit.

Mortgage Loan Processor/Jr. Underwriter October 2021 to February 2022

Interfirst Mortgage (Remote)

Calculation of income (Pre-underwriting), analyzing debt and assets and using automated underwriting system to determine approval and clearing conditions for final approval FHA, VA, USDA, FNMA, GNMA.

Developed a new process checklist for each new loan that helped to streamline and increase new loan submissions to from 30 – 90 loans per month.

Working with borrowers, brokers, underwriters, quality control, appraiser, title, insurance and other applicable parts to complete processing files

Working knowledge of RESPA, TRID, and TILA Responsible for loan setup to closing analyzed, interpreted complex multifamily (FHA, VA, USDA, GNMA) real estate, commercial and business transactions in compliance with respective government agency guidelines.

Financial Analysis of all financial statements & Income to establish credit worthiness, and determine risk.

Responsible for fielding incoming calls from current clients and prospects looking for more information.

Mortgage Loan Processor/Jr. Underwriter October 2021 to February 2022

Interfirst Mortgage (Remote)

Examined documents for credit worthiness, income, quality assurance, appraisal and title to meet all guidelines and compliance.

Performed review HAMP/HARP guidelines, refinances and repayment options including all Modification programs.

Analyzed, reviewed, identified, investigated and determined inconsistencies, discrepancies, negative trends and policy misinterpretation in the pre-funding process.

Enhance strategy for pipeline management.

Supported initiatives by working with project team to clearly define a document the business requirements and test cases.

Diverse experience within the mortgage industry, preferably loan application, verification, processing, compliance, funding, closing, and post-closing

Knowledge of mortgage industry concepts, practices and procedures; knowledge of mortgage loan documentation.

Compliance and control management experience

New Bold Advisors (Contractor) September 2018 to October 2021

Mortgage Loan Processor/Jr. Underwriter

Responsible for starting all new customer files and maintaining files for active loan transactions.

Assisted loan officer with reviewing loan documents and checking for any inaccuracies.

Responsible for fielding incoming calls from current clients and prospects looking for more information.

Gathered all finalized loan materials and put them into the final transaction file.

On hand for closings and responsible for making sure loan checklist was satisfied.

Conclude on all applicable financial and no-financial criteria and develop loan repayment plans

Financial analysis of income, credit, assets, verified compliance underwriting criteria and input new loan in designated software.

Work within established regulations and adhere to law requirements at all times

Coordinate with closing departments in order to ensure a timely and effective closing process

Processed & pre-underwrote commercial loans submitting files to underwriting, financials, credit reports, updating commercial loan checklist for each new loan file received, reviewing loans on a weekly basis, updating the pipeline report accordingly, established and audit any new loan files to determine any deficiency items needed.

Established and participated in regular performance reviews and issued resolution meetings with vendors

Served as a primary liaison between business partners and operations team.

Understand and managed change to Mortgage Disclosures by leveraging knowledge of RESPA-TILA disclosure guidelines.

Software knowledge of common LOS, LAS, and bank core systems

Strong knowledge of all loan operations functions especially with mortgage lending and syndicated commercial loans

Review and analyze process data to understand driving factors and perform root cause analysis

Pharmacy Technician January 2008 to August 2018

North Texas VA Medical Center

Mixed intravenous drugs sterile and non-sterile techniques

Receive written prescriptions, input in the systems verify that all information is correct

Generated more than 90 outbound and inbound calls per day

Heavy data entry into the computer system for managed care and pharmacy patient information

Compute charges for medications or equipment dispensed to hospital patients and enter data in the computer

Team lead

Education:

Associate Degree Liberal Science/ concentration Business Administration Dallas County Community College Graduated 2006

Kaplan Real Estate School- Graduated

References are available upon request

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