Customer Service High School

Location:

Milford, PA, 18337

Posted:

December 26, 2024

Contact this candidate

Resume:

JANICE A. HERNANDEZ

CONTACT

****************@*******.***

570-***-****

Milford, PA

EDUCATION

High school graduate or

equivalency certificate (GED)

English Lit

Castlederg High School

**/**** - 06/1987

SKILLS

• Commercial Property

• financial analysis

• Financial Statements

• Lending

• Mortgages

• Origination

• daily maintenance

• appraisals

• Mortgage Loan Officer

• industry accountancy

• Pipeline Management

• Relationship Building

• Fair Lending Act

• Community Reinvestment

• HMDA

• Credit Anaylist

• Lending Compliance

• Ordering 3rd Party Docs

• Relationship Management

• Customer Service

• Negotiations

• active listening

• Transparency

• communication

• Efficiency

• Diligence

• Critical Thinking

• Teamwork

• Leadership

• Time Management

• Creativity

• Account Management

• Pipeline Management

OBJECTIVE

I have been in the Banking Industry for 17 years from Origination to Processing to Underwriting and Relationship Manager, i am very versatile and experienced in what i do, i am a Loyal Employee who will go the extra mile to get the job done. I am the ultimate Team Player.

EXPERIENCE

Success Mortgage Partners INC Plymouth, MI

SR LOAN PARTNER/SR PROCESSOR 04/2023 - 01/2024

Assisted 9 Loan officers with submitting files to Underwriting, reviewing all documentation provided by the borrowers, all order outs, collected all conditions from borrowers, and pre underwrote file for submission, ordered, FHA Case numbers, Caviers, Appraisals, WVOE's Pulled flood cert, and left file ready for initial Underwrite. Apon approval sent commitment to realtor and borrower, collected all requested documentation from the borrower and resubbed back for Underwriter review, corresponded with title company and HOI company, requested all corrections. Set closing when the file was Cleared to close. Managed a pipeline of 25 active files. Giving outstanding customer transparency as well as excellent customer service.

NP INC Boca Ratan, FL

RELATIONSHIP MANAGER (WHOLESALE, NON QM) 12/2021 - 10/2022 As a Relationship Manager, I cultivated Relationships Between the client/Broker and my employer, while giving outstanding customer service to all parties as well as being compassionate and Sympathetic to the client’s needs. Being Professional and building trust and sincerity with each conversation and file, also built continuous relationships with Internal and external partners, Analyzed and reviewed all incoming documentation, Analyzed Credit reports for discrepancies for Frozen reports as well as credit disputes, Ordered credit supplements from 3rd party vendor to have credit report updated, if and when the client had a dispute about an issue worked with Management to have the issue resolved, Analyzed HOI, Flood, Title, Vesting requested all corrections to be made through vendor. Managed Pipeline of 70 Plus files with Account Management, Addressed and worked with the Account Executive gave direction as to what was needed to make the file work, answered all questions via telephone and email to the client in a timely manner gave Transparency. Preformed follow ups on outstanding Conditions, left file ready for underwriting, updated all fields in Encompass, fulfilled conditions cleared conditions, Ordered CDA’s, Tax Transcripts, SSN-89's from 3rd party Vendors. Made sure file was to hit target close date, worked with client to accomplish that goal for all parties.

Homepoint Ann Harbor, MI

UNDERWRITER (WHOLESALE) 10/2020 - 12/2021

Started with the company as a Relationship Manager, Cultivating Relationships, with the client and being the clients advocate, Building the relationship on trust and Sincerity each conversation, Analyzed and reviewed all incoming documentation, left file ready for underwriting, updated all fields in Encompass LOS, Answered all Clients questions in a timely manner Via Telephone or email. Fulfilled conditions cleared conditions. Preformed all aspects of Underwriter. Moved into an Underwriting support Role, currently preform, all aspects of Underwriting Review and condition for outstanding JANICE A. HERNANDEZ

conditions, run AUS and DU, reviewed Appraisals, Condo Master Policies, Prelim Title Commitment. Review conditional approval, and request new conditions, Clear the files for Clear to close, Issue CTC and final approval with Final approval documentation sent to the Client. Verbally reach out to the Client with additional conditions needed, Work with Management to resolve any issues that the client may have, preform excellent customer communications, Update Encompass LOS and make sure URLA is accurate. Clear Fraud Alerts, Review SSR's Calculate self-employed borrowers Income S Corp, Schedule C, cross check with Comparable income Analysis, preform liquidity test. Analyze Financial Statements to determine the Debt-to-Income Ratio, and Analyze for large deposits Add conditions, Review HOI Dec page and Flood Insurance Dec Page. Resolve all DU and AUS inaccuracies. Send out updated Conditional Approval. Pipeline Management of 10 files per day. Evaluating Risk Prior to the Clear to close. Get A Rate Hackensack, NJ

SR LOAN PARTNER 09/2019 - 10/2020

Support 8-16 loan officers, submit clean files to processing analyzing all income Documentation and other documentation received from the client. Pre-Underwrote the file prior to submitting to Risk Underwriter Making sure that the file would only have one touch for its Clear to close, Ordering the work number, adding file contacts, working with borrowers to collect conditions. Also working with Digital Application, Assisting the Client on how to use the Application, Being communitive with the client to get all conditions in to get the file its CTC, Running LP and DU fixing discrepancies, Ordering PMI on Conventional Files, Ordering FHA Case numbers, Registration of FHA Appraisals. Working with Processor and Risk Underwriter on clearing conditions for the files Approval and CTC. Homeside Financial State College, PA

SR LOAN PARTNER 07/2017 - 09/2019

Process and secure loans for 8 loan officers, Disclosed Loans making sure all documentation that was sent to the borrower was within Compliance, made direct contact with borrowers, collect all initial conditions for initial underwrite, ran DU, LP for approvals fixed all discrepancies, transparency with Borrowers and Realtors, submitted files to Processing. Helped processing when needed to collect conditions. Updated CRM system and entered all pertinent dates. Worked the file to make sure we met our Closing Date on Purchase Agreement. MB Financial Kingston, NY

SR MORTGAGE LOAN OFFICER 04/2015 - 07/2017

Structured all Conventional and FHA, USA and VA Loans for all borrowers with purchase and refinance transactions, Retrieved Credit report Analyzed report gave insight to the borrower if they could not purchase or Refinance at that time. Collected all Income Documentation and preformed Financial Analysis to make sure the borrower qualified and to make sure Debt to income was in within guidelines, Ran DU LP, GUS collect all supporting documentation from borrowers, Pre- Underwrote the file prior to submission to processing making sure file was clean dealt directly with the borrower to make sure all conditions were collected from them for a 1 touch Clear to close. Work with Processor to order title and order Appraisal, Lock rates, price loans, Work with Underwriter to clear file to close, answer all questions to Realtor and Borrower keeping them in the loop of the mortgage process. also Correspond with Attorney and Bank attorney if NY transaction. Clear all conditions to close. Always stayed on top of every changing guidelines, for Ginnie Mae, Freddy Mac and Fannie Mae, as well as USDA and VA.

M & T Bank Elmwood Park, NJ

SR MORTAGE LOAN OFFICER 10/2014 - 04/2015

JP Morgan Chase Montague, NJ

SR LOAN OPERATIONS OFFICER 10/2013 - 10/2014

JANICE A. HERNANDEZ

Originated Conventional, FHA, USDA and VA Loans, Including CRA Loans, meet sales goals, and perform all tasks Provided, ability to work remote and to be self-efficient, provided expert financial advice on mortgage and both educational and personal loans. Executed the loan origination process, including ordering credit reports, appraisals, and preliminary title reports. Meet quarterly sales goals, Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research. Provided expert financial advice on mortgage and both educational and personal loans.

Real Estate Mortgage Network Cedar Knolls, NJ

SR MORTGAGE LOAN OFFICER 09/2011 - 10/2013

Originated Conventional and FHA, USDA and VA Loans, such as Purchase and refinances cash out loans, debt consolidation, 1st time home buyers, Managed Processors, overseen loan process to close in a timely Manner for my borrower, Performed daily maintenance of the loan applicant database. Adhered to all federal and state compliance guidelines relative to retail mortgage lending. Analyzed applicants' financial status, credit, and property evaluation to determine feasibility of granting loan. Determined appropriate rate locks, issuance of disclosures, overage and underage waivers, and fee waivers. Educated customers on the variety of loan products and available credit options. Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research. Professional Financial Lending Milford, PA

MORTGAGE LOAN OFFICER 02/2006 - 09/2011

Assist all 1st time home buyers with their 1st home purchase, collect all supporting documentation to support loan process, run credit, read credit report, analyze credit report, fit borrower with the correct loan program, adhered to all federal and state compliance guidelines relative to retail mortgage lending, Interviewed an average of 10 mortgage loan applicants per month. Performed daily maintenance of the loan applicant database. Analyzed applicants' financial status, credit, and property evaluation to Determine feasibility of granting loan. Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers. Educated customers on the variety of loan products and available credit options. Created financial analysis reports of commercial real estate, borrowers' financial statements, lease reviews and market research.

QUALIFICATIONS AND ACHIEVEMENTS

State of NJ & PA Mortgage Loan Originators License NMLS # 63765 06/01/2010 NMLS # 63765

CERTIFICATIONS AND LICENSES

PA & NJ Mortgage Loan Originators License NMLS # 63765, State of PA & NJ - Pennsylvania Issue Date: 06/01/2010

JANICE A. HERNANDEZ

REFERENCES

Name: David Skinner

Job Title: AVP Operations Manager

Years Known: 1

Day Phone: 518-***-****

Email: ********@**************.***

Name: Jessica Stone