Loan Processor Customer Service
Resume:
562-***-**** - adzz5z@r.postjobfree.com
Danya Romero
EXPERIENCE
FCI Lender Services Inc., Anaheim, CA - Internal Audit/Compliance Coordinator November 2019 - September 2023
● Conducted internal audit for compliance by reviewing company policy and procedures, risk management, state audits, and non-compliance reports.
● Reported on a monthly and quarterly basis to the business units and management the compliance findings and ensure all policies and procedures, and requirements adjure to the company guidelines. These reports included; consumer and business purpose loan boarding, payo and reconveyance, QWR/correspondence, CFPB compliance, loss mitigation/loan modification, telephone/quality assurance, NPI data leakage, bank information (ACH) changes and general loan level information changes such as mailing and email addresses, telephone numbers and servicing system notes.
● Assisted and educated employees and business management by communication to refresh knowledge of compliant work practices.
● Developed and implemented company compliance programs by researching changes in state regulations and risk management.
● Assist and perform on other duties assigned by leadership and upper management.
● Improved business units performance due to the outcome of the audits by 50%
● Identify and stay current on changes in industry regulations that impact work products.
● Escalate issues that represent higher risk/fall outside of scope of responsibility. Loan Boarding Specialist
April 2017- November 2019
● Responsible for all new loan boarding and responsible for the post origination quality control of loan reviews for proper documentation, escrow account disbursements, flood and hazard insurance monitoring, payment processing, and other various types of adjustable loan processing.
● Review Deed or Trust, Notes, HUD1 and other documentation and request if needed from lenders with the onboarding process.
● Prepare, send, and ensure lenders sign proper agreements with the company policies.
● Audit files to ensure all the property information and documentation is on the loan.
● Perform general clerical/administrative tasks.
● Assist lenders with setup, agreement and minor customer service questions.
● Create lender accounts on the system and website. Guild Mortgage, Gardena, CA - Branch Manager Assistant February 2016 - February 2017
● Track all outstanding items with mortgage application or file and follow up with borrowers to ensure timely receipt of necessary documentation.
● Communicate with borrowers and third-party providers regarding follow-up or loan status.
● Assist Branch Manager/Loan O cer with daily tasks.
● Perform general clerical/administrative tasks.
● Request an assist in the facilitation of closing loans with mortgage closers.
● Communicate with applicants and realtors to complete and fund loans.
● Work with mortgage loan processors on loan applications in accordance with policies and procedures.
● Assisting and supporting management by performing other duties as assigned. Self Help Federal Credit Union, Pomona, CA - Loan O cer Assistant April 2014-October 2015
● Track all outstanding items with mortgage application or file and follow up with borrowers to ensure timely receipt of necessary documentation.
● Review outstanding loan documentation (paystubs, tax returns, bank statements, ect.) and upload loan files into the loan origination system (Encompass).
● Communicate with borrowers and third-party providers regarding follow-up or loan status.
● Assist mortgage up to 5 loan o cers and processors with daily tasks.
● Perform general clerical/administrative tasks.
● Request an assist in the facilitation of closing loans with mortgage closers.
● Compiles and completes reports as assigned.
● Communicate with applicants and realtors to complete and fund loans.
● Work with mortgage loan processors on loan applications in accordance with policies and procedures.
● Monitor workflow to assure timely processing of loans.
● Maintain e ective communication on loan status with applicants, third parties and sta .
● Actively Cross sells Credit Union products and services.
● Assisting and supporting management by performing other duties as assigned. Metropolitan Home Mortgage, Irvine, CA - Jr. Loan Processor December 2013-January 2014
● Complete Supplement and LQ Reports.
● Order 1040, 1065, and W2s verifications.
● Complete employment and bank deposits verifications.
● Active and/or transfer FHA Case Number, complete FHA County Limits and CAIVRS. Workway/Yale Street Mortgage, Pasadena, CA - Jr. Loan Processor January 2013-November 2013 (temp)
● Processed credit reports.
● Gather estimated HUD’s from several Escrow and Title Companies to prepare Good Faith. Estimates for Purchases and/or Refinance.
● Assisted the Sr. Loan Processor with Title, Escrow, Appraisal orders and other processing conditions.
Mortgage Capital Associates, Los Angeles, CA - Loan O cer Assistant August 2011-May 2013
● Enter and complete loan applications (1003) into Calyx Point.
● Processed credit reports, review and inquire with the borrower regarding credit inquiries.
● Maintain a log of all past and future clients, escrow o cers, selling and listing agents.
● Light Marketing.
● Uploaded all documents for initial loan process into Doc Velocity.
● Gather estimated HUD’s from several Escrow and Title Companies to prepare Purchases. Conventional, FHA, and VA Good Faith Estimate.
● Assist several inside and outside Loan O cers with several tasks regarding compliance disclosures.
● Assisted the Sr. Loan Processor and Underwriters with Title, Escrow, Appraisal orders and other processing conditions.
● Light Auditing of loan prior funding, clearing conditions. HSJM Enterprise Corp., Downey, CA - Loan Modification Processor and Admin Assistant November 2008-August 2011
● Preparing loan modifications documentation according to the bank's guidelines for new and existing customers.
● Followed up with several banks to assure all correct documentation is met for the process of the loan modification.
● Maintain department log via data entry into Excel spreadsheet of all loan modification status.
EDUCATION
Bell Gardens High School, Bell Gardens, CA
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