Customer Service Mortgage Loan

MANSI GANDHI

Piscataway, New Jersey ***** 386-***-****

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

https://www.linkedin.com/in/mansingandhi/

SUMMARY

Aversatileanddependablefinancialprofessionalwithdemonstratedexperienceinriskmanagement,lending,audit management,mortgageanalysis,andprocessoptimization.Expertiseinconventional,FHA,andVAloansandboth refinance and purchase transactions.Established capabilities in business relationship management,vendor management,customer service,and financial reporting.Utilizes strong interpersonalandcommunicationsskillsto collaborate with and provide support to associates and liaise across all levels of an organization.A diligent and adaptable producer who brings short- and long-term value to a company. EXPERIENCE

FINOMUS HOME LOANS

Mortgage Loan Processor, 2024 - Present

Reviewfileforcompletenessandrequestforrequireddocumentationtosubmitloan.Submitloantounderwritingandorderappraisal. Communicatewiththeborroweroncetheloanisconditionallyapprovedfordocumentsneededtogetthefilecleartoclose.Reachout toinsuranceagentstogetdocumentsasneeded.Requestfloodcert,SSNverification,payoff,writtenverificationofemploymentand verificationofmortgage.Submitloanforfinalapprovalonceallthedocumentsareavailable.Onceafileisclearedtoclosecoordinate with all the parties to confirm closing date and time and inform the closer to prepare closing documents.Communicate with the underwriter to get clarifications for documents needed.Review files for compliance and make sure all the documents are therein borrower files for compliance.Direct communication with loan officers,borrowers and underwriters.Review the closing conditions requiredwhichincludesverbalemploymentverifications,complianceresultstocheckiffileisnotfailingforpointsandfees,pullcredit refresh and update information on the files based on the final loan documents information to match.

● Developed ability to close files within less than 30 days.

● Provided excellent customer service to borrowers PETRA CEPHAS INC., Piscataway, New Jersey

Mortgage Loan Processor,2022 - 2024

Reviewfileforcompletenessandrequestforrequireddocumentationtosubmitloan.Registerloanonlenderwebsite,sendapplication disclosures to borrower to e-sign.Submitloantounderwritingandorderappraisal.Communicatewiththeborroweroncetheloanis conditionallyapprovedfordocumentsneededtogetthefilecleartoclose.Reachouttoinsuranceagentstogetdocumentsasneeded. Submit loan for final approval once all thedocumentsareavailable.Onceafileisclearedtoclosecoordinatewithallthepartiesto confirm closing date and time and inform the lender to prepare closing documents.Communicate with the underwriter to get clarifications for documents needed.Review files for compliance and make sure all the documents are there in borrower files for compliance. Direct communication with loan officers, borrowers and underwriters.

● Developed ability to close files within less than 30 days.

● Provided excellent customer service to borrowers PHH MORTGAGE CORPORATION, Mount Laurel, New Jersey Mortgage Loan Processor,2021-2022

Communicated with the borrower once the loan was conditionally approved for documents needed to get the file clear to close. Followed up with title company and appraisal management company for appraisal and title reports.Ordered appraisals whenever required.Liaisedwiththeinsuranceagenttoobtainupdateddocumentsforhomeownersandfloodinsuranceandsubmittedforreview. Priortounderwritinghand-offforfinalapproval,ensuredallfileswerecompletedandconfirmedallcompliance-relateddocumentswere signed byborrowers.Providedrevisedloanestimatetoborrowerforanychangesinfileinatimelymanner.Directedcommunication between loan officer, borrower, and underwriter.

● Confirmed closing date and time with the borrower and scheduled with the title company.

● Explained closing disclosure to borrowers and ensured disclosure was signed.

● Developed ability to close files within less than 30 days.

● Provided excellent customer service to borrowers, resulting in consistently high survey ratings. AMERICAN ROYAL MORTGAGE CORP., Iselin, New Jersey

Mortgage Loan Processor,2013-2020

Reviewedandverifiedmortgageloanapplicationsforaccuracyandcompletion.Performedloanregistrationandfollow-upwithlenders on loan status.Ordered title and appraisal and followed up for reports.Confirmed verification of loan documents including title, insurance,appraisal,credit,andincome.Priortounderwritinghand-offforfinalapproval,ensuredallfileswerecompleted.Coordinated effectively with borrowers and title companies to ensure smooth closings.

● Reviewed borrower files to verify regulatory compliance.

● Provided excellent customer service to borrowers, resulting in consistently high survey ratings. EDUCATION

S.V.T. COLLEGE OF HOME SCIENCE, Mumbai, India, 2009 Master’s Degree, Clinical Nutrition & Dietetics

NIRMALA NIKETAN COLLEGE OF HOME SCIENCE, Mumbai, India, 2007 Bachelor of Science

CERTIFICATION AND LICENSURE

Mortgage Loan Originator License, NMLS # 1809221, 2020 Dietetics, ADA Certificate Program, Montclair State University, Montclair, New Jersey, 2012 COMPUTER SKILLS

Calyx Point Software, Microsoft Office Suite, Adobe Photoshop, QuickBooks, Encompass Loan Origination Software LANGUAGES

Fluent in Hindi, Gujarati, and Marathi.

Contact this candidate