Mortgage Processor Team Member
Resume:
MELINDA FITZGERALD
*** *** ****, *********, ** **320 · 443-***-**** **********@*****.***
PROFESSIONAL SUMMARY
COMMITMENT/EXECUTION/INTEGRITY
** ***** ** ********** ** the mortgage industry. Looking to obtain a challenging position in an innovative company that best utilizes my proven ability to achieve bottom line results. Dedicated to maintaining a reputation build on quality, service and uncompromised ethics.
AREAS OF EXPERTISE
Loan Processing Conventional, FHA, VA, USDA, Construction & Renovation Loans
Team Member Development Non-QM Loans, DPA Assistance Programs – Maryland Mortgage Program, HAPP
Pipeline Management
Leadership
EXPERIENCE
OCTOBER 3, 2022 – SEPTEMBER 19, 2024 - PENNIAN BANK
SR MORTGAGE PROCESSOR/MTG SPECIALIST
*Review initial file for submission to underwriting to confirm file submission to processing meets program guidelines. Submit file to underwriting.
*Pull Fraud report and review for discrepancies.
*Review underwriting approval to program guidelines and add/modify conditions by underwriter and submit file to DPA company.
*Subordinate financing – responsible for all docs required and submit to subordinate companies for approval.
*Contact borrower and agents for any conditions needed for final clear to close.
*Responsible for appraisal conditions, title review and title conditions.
* Confirm and update fees to prelim CD and request final CD for closing and schedule closing with title company and all parties of the transaction.
*Sending disclosures
*Clearing underwriting conditions
OCTOBER 4, 2021 – JUNE 21, 2022 - PLANET HOME LENDING – COMPANY LAYOFF
SR MORTGAGE PROCESSOR
*Review initial file for submission to underwriting to confirm file submission to processing meets program guidelines. Submit file to underwriting.
*Pull Fraud report and review for discrepancies.
*Review underwriting approval to program guidelines and add/modify conditions by underwriter and submit file to DPA company.
*Subordinate financing – responsible for all docs required and submit to subordinate companies for approval.
*Contact borrower and agents for any conditions needed for final clear to close.
*Responsible for appraisal conditions, title review and title conditions.
* Confirm and update fees to prelim CD and request final CD for closing and schedule closing with title company and all parties of the transaction.
JULY 6, 2021 – SEPTEMBER 24, 2021 - FIRST HERITAGE MORTGAGE
SR MORTGAGE PROCESSOR
*Review initial file for submission to underwriting to confirm file submission to processing meets program guidelines. Submit file to underwriting.
*Pull Fraud report and review for discrepancies.
*Review underwriting approval to program guidelines and add/modify conditions by underwriter and submit file to DPA company.
*Subordinate financing – responsible for all docs required and submit to subordinate companies for approval.
*Contact borrower and agents for any conditions needed for final clear to close.
*Responsible for appraisal conditions, title review and title conditions.
* Confirm and update fees to prelim CD and request final CD for closing and schedule closing with title company and all parties of the transaction.
OCTOBER 2020 -JUNE 22, 2021 – FIRST GUARANTY MORTGAGE CORP/DBA GOOD MTG.COM
SR MORTGAGE PROCESSOR
*Review initial file for submission to underwriting to confirm file submission to processing meets program guidelines. Submit file to underwriting.
*Pull Fraud report and review for discrepancies.
*Review underwriting approval to program guidelines and add/modify conditions by underwriter and submit file to DPA company.
*Subordinate financing – responsible for all docs required and submit to subordinate companies for approval.
*Contact borrower and agents for any conditions needed for final clear to close.
*Responsible for appraisal conditions, title review and title conditions.
* Confirm and update fees to prelim CD and request final CD for closing and schedule closing with title company and all parties of the transaction.
OCTOBER 2019 – OCTOBER 2020 – DIRECT MORTGAGE LOANS LLC
SR MORTGAGE PROCESSOR
*Review initial file for submission to underwriting to confirm file submission to processing meets program guidelines. Submit file to underwriting.
*Pull Fraud report and review for discrepancies.
*Review underwriting approval to program guidelines and add/modify conditions by underwriter and submit file to DPA company.
*Subordinate financing – responsible for all docs required and submit to subordinate companies for approval.
*Contact borrower and agents for any conditions needed for final clear to close.
*Responsible for appraisal conditions, title review and title conditions.
* Confirm and update fees to prelim CD and request final CD for closing and schedule closing with title company and all parties of the transaction.
JULY 1 2019 – OCTOBER 2019 - ACC MORTGAGE, INC
JR UNDERWRITER, MORTGAGE PROCESSOR, CLOSER
*Review underwriting approval to program guidelines and add conditions missed by underwriter. *Contact broker with approval and go over conditions.
*Receive conditions, review and clear conditions
*Review appraisals and clear.
*Package underwriting file to submit to investor for final approval and clear to close.
*Once file is cleared with the investor, prepare final disclosure request for final CD to be issued.
*Prepare pre-close audit and submit the file for closing.
DECEMBER 2017 – JUNE 2019
CONTRACT PROCESSOR – self-employed – working with a n.M. bank
*Conforming and non-confirming loans, arms, Jumbo, Fannie Mae & Freddie Mac Guidelines, FHA, VA, USDA and construction to perm.
*Provide support to loan officer and underwriter teams by ensuring the timely, and accurate processing of mortgage loans.
*Review and verify borrower’s income, credit, employment history. Review title documents and prepare for closing.
*Follow strict deadlines to ensure closings are scheduled in a timely manner.
*Work closely with borrowers, title companies, realtors and other parties to ensure loan documentation is received and processed quickly.
*Manage a pipeline of 50+ loan per day
AUGUST 2011-DECEMBER 2017
SR LOAN PROCESSOR, first guaranty mortgage corporation
*Conforming and non-confirming loans, arms, Jumbo, Fannie Mae & Freddie Mac Guidelines, FHA, VA, USDA and construction to perm.
*Provide support to loan officer and underwriter teams by ensuring the timely, and accurate processing of mortgage loans.
*Review and verify borrower’s income, credit, employment history. Review title documents and prepare for closing.
*Follow strict deadlines to ensure closings are scheduled in a timely manner.
*Work closely with borrowers, title companies, realtors and other parties to ensure loan documentation is received and processed quickly.
*Manage a pipeline of 50+ loan per day
SEPTEMBER 2009-AUGUST 2011
SR LOAN PROCESSOR, new day financial
*Conforming and non-confirming loans, arms, Jumbo, Fannie Mae & Freddie Mac Guidelines, FHA, VA, USDA and construction to perm.
*Provide support to loan officer and underwriter teams by ensuring the timely, and accurate processing of mortgage loans.
*Review and verify borrower’s income, credit, employment history. Review title documents and prepare for closing.
*Follow strict deadlines to ensure closings are scheduled in a timely manner.
*Work closely with borrowers, title companies, realtors and other parties to ensure loan documentation is received and processed quickly.
MARCH 2006-SEPTEMBER 2009
SR LOAN PROCESSOR, sts financial
* Processed mortgages for this broker. Knowledge of many lender’s guidelines for submission of loan applications.
EDUCATION
HIGH SCHOOL GRADUATE - 1983
BUSINESS DEGREE
REFERENCES SUPPLIED UPON REQUEST
INCOME REQUIREMENT - NEGOTIABLE
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