Quality Control Loan Processor
Resume:
*********@*****.***
Glenn Heights, TX 75154
Skills
• Mortgage Loan Underwriting
• Loan Processor
• Closer
FHA Federal Housing
Administration (FHA) Loans
•
VA Veteran Administration (VA)
loans
•
• Conventional Loans
• Sub-Prime Underwriting
Financial Tax return Statement
Review
•
• Unifi
• Empower
• Encompass
• HUD-1 Settlements
• USDA
• VHDA Loans
• TRID/Candor
• Loan Beam
• TSAHC Bond
• OK Bond
• OH Bond
• Conv No Score
• Certified No Scores Program
• DE Certified FHA
• Data Collection
• Renewing Policies
• Risk Evaluations
• Business Development
• Quoting and Pricing Policies
• Guidelines Knowledge
• Quality Control
• Quality Assurance
• Analyzing Data
• Risk Assessments
• Microsoft Office
• Insurance Knowledge
• Credit Analysis
• Contract Review
• Medical Terminology
• Patient-Focused Care
• Patient Scheduling
• Vital Sign Monitoring
• Medical Terminology Knowledge
Churchill Mortgage- Remote - Sr. Underwriter /FHA DE Nashville, TN
08/2020 - 08/2023
Credit Union Of Texas - Sr. Underwriter
Dallas, TX
08/2017 - 08/2020
Vivian Betts
Experience
• Analyzed risk factors and structured complex loan transactions Managed a heavy workload of up to 8-10 files per day; maintained excellent quality and met all deadlines for QA reviews, flow loan reviews, and bulk due diligence
•
• Selected to mentor a newly hired underwriter
Analyzed paystubs, tax returns, P &L statements, and other supplemental financial documentation to grant loan request
•
Reviewed and analyzed credit report, appraisal, title and other supporting loan documents to determine final underwriting decision
•
Received lender's authority qualifying my ability to underwrite conventional and HARP loans, HELOC, HOME Equity (Freddie Mac, Fannie Mae, DU) and Jumbo
•
Order Mortgage Insurance from all the major companies (Radian, Genworth, MGIC, National MI, Essence) per DU and LP guidelines.
•
• Performed pre-audit reviews of files prior to submission for review by auditors. Supported system administrators for loan origination software by maintaining loan product definitions and specifications.
•
Researched applicant employment and financial histories to confirm document accuracy.
•
Conducted quality control reviews of completed files to ensure accuracy and completeness of documentation prior to submission for final approval.
•
Applied knowledge of various mortgage products offered by company including Conventional, FHA, VA and USDA programs.
•
• Determined loan eligibility and approved or rejected applications. Interpreted underwriting guidelines from government agencies and private lenders.
•
• Analyzed risk factors and structured complex loan transactions Managed a heavy workload of up to 8-10 files per day; maintained excellent quality and met all deadlines for QA reviews, flow loan reviews, and bulk due diligence
•
• Selected to mentor a newly hired underwriter
Analyzed paystubs, tax returns, P &L statements, and other supplemental financial documentation to grant loan request
•
Reviewed and analyzed credit report, appraisal, title and other supporting loan documents to determine final underwriting decision
•
• Received lender's authority qualifying my ability to underwrite conventional and 12/2010
Associate Of Science:
Medical Assisting
Everett College
Dallas, TX
• Clinical Applications
• CPR
• Escrow Management
Regulatory Compliance
Understanding
•
• Deadline Adherence
• Title Clearing
• File Management
• Documentation Management
• Verifying Information
• Generating Reports
• Application Preparation
• Processing Documents
• Strong Attention to Detail
• Policy Evaluation
• Data Interpretation
• Claims Handling
• Application Review
Education And Training
BB&T - Loan Underwriting,Closer Processor
Plano, TX
03/2013 - 04/2017
HARP loans, HELOC, HOME Equity (Freddie Mac, Fannie Mae, DU) and Jumbo Order Mortgage Insurance from all the major companies (Radian, Genworth, MGIC, United Guaranty, CMG Mortgage) per DU and LP guidelines.
•
Updated system to organize office documentation, maximizing efficiency and increasing productivity.
•
• Identified valuable solutions for customers with credit problems. Analyzed applicant assets and credit history to determine willingness and capacity to repay proposed mortgage obligation.
•
• Analyzed loan risk and reviewed loan conditions and requirements. Requested additional information for applications and documents when necessary.
•
Interpreted underwriting guidelines from government agencies and private lenders.
•
• Analyzed risk factors and structured complex loan transactions Managed a heavy workload of up to 8-10 files per day; maintained excellent quality and met all deadlines for QA reviews, flow loan reviews, and bulk due diligence
•
• Selected to mentor a newly hired underwriter
• Promoted from Underwriter I to Underwriter II within six months Analyzed paystubs, tax returns, P &L statements, and other supplemental financial documentation to grant loan request
•
Reviewed and analyzed credit report, appraisal, title and other supporting loan documents to determine final underwriting decision
•
Received lender's authority qualifying my ability to underwrite conventional and HARP loans (Freddie Mac, Fannie Mae, DU)
•
Order Mortgage Insurance from all the major companies (Radian, Genworth, MGIC, United Guaranty, CMG Mortgage) per DU and LP guidelines.
•
• Managed a high volume of files on a daily basis.
• Liaised between front line and lender or portfolio manager and underwriting.
• Answered questions and advised customers regarding loans and transactions.
• Advised clients on legal matters related to real estate transactions. Verified that all conditions of the loan have been met prior to disbursement of funds.
•
• Prepared and delivered loan documents to title and escrow teams. Prepared and typed loan applications, closing documents or legal documents using computers.
•
Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
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• Kept detailed records regarding approved, denied and received loan applications.
• Reviewed final closing disclosure statement for accuracy prior to closing day. Scheduled closing meeting after gathering and preparing loan package documentation.
•
Maintained a comprehensive understanding of insurance principles and industry standards in order to provide accurate advice when needed.
•
Summary
Disciplined Mortgage Underwriter pays attention to details by analyzing risks and potential problems within mortgage applications. Team player collaborates well with other underwriters, originators and processors to produce quality results. Acts with fair and ethical behavior and complies with federal regulations and Fair Housing Act requirements. Attentive Loan Specialist with background in assessing credit history data and finding appropriate solutions perfect for customer needs. Ready for new position where loan evaluation background can be best utilized. Ambitious, career-focused job seeker, anxious to obtain an entry-level position to help launch career while achieving company goals. Medical Records Clerk highly skilled in maintaining records in accordance with established procedures and legal guidelines. Strengths include coding, file management and inventory control.
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