Real Estate Loan Processor

Jennifer St John

**** ***** ******* ** ********* NV 89002

Home: 719-***-****

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

SUMMARY

Organized, self-motivated and self-sufficient consumer loan underwriter with supervisor,

mentor, and special projects experience. I am highly proficient in developing creative solutions and implementing objective decision making. Maintains a positive attitude and works hard to build team relationships.

HIGHLIGHTS

Excellent time management

Analytical

Detail-oriented

Reliable

Proficient understanding of credit bureaus

Excellent customer service

Debt and credit management

Audit and analyze all income and loan documents to include government documents

EXPERIENCE

Mortgage loan processor, 02/21 to 02/22 - Remote

PHH Mortgage – Pittsburgh PA

Communicate with customers, appraisers, county offices, builders, real estate agents, insurance, attorney offices and title agents via phone, fax, email. Work closely with third party credit agencies to obtain credit supplements and rescore customers’ credit.

Obtain verification of employment calculate income, debt to income and loan to value and combined loan to value. Submit pre-underwritten and audited files and documentation to underwriting to review. Types of loans processed: Jumbo, Conventional, FHA, VA, Bond, and HELOCS. Set up closing dates and time with closers, title agents, and customers.

Mortgage loan processor II, 07/20 to 02/21 - Remote

Guaranteed Rate Inc - Chicago IL

Communicate with customers, appraisers, county offices, builders, real estate agents, insurance, attorney offices and title agents via phone, fax, email. Pre underwrite all files by calculating debt to income, loan to value and combined loan to value. Review all documentation provided by the customer. Work closely with third party credit agency to obtain credit supplements and rescores of customer’s credit. Obtain verification of employment. Submit pre-underwritten and audited files and documentation to underwriting to review. Types of loans processed – pre underwritten: Jumbo, Conventional, FHA, VA, Bond, and HELOCS.

Jumbo Mortgage loan processor, 12/19 to 07/20

KB Homes- Las Vegas NV

Communicate with builders, tax office, customers, appraisers, real estate agents via fax, phone, and email. Work closely with third party credit agencies to obtain credit supplements and rescore of consumer’s credit report. Obtain verification of employment, calculate income, debt to income and loan to value and combined loan to value. Submit pre-audited files and documents back to underwriting for review. Types of loan processed Jumbo, VA and FHA.

Mortgage loan processor II, 06/18 to 12/19 - Remote

Guaranteed Rate Inc - Chicago IL

Communicate with customers, appraisers, county offices, builders, real estate agents, insurance, attorney offices and title agents via phone, fax, email. Work closely with third party credit agency to obtain credit supplements and rescores of customer’s credit.

Obtain verification of employment calculating income, debt to income and LTV/CLTV. Submit pre-underwritten and audited files and documentation to underwriting to review. Types of loans processed: Jumbo, Conventional, FHA, VA, Bond, Reverse Mortgages and HELOCS. Set up closing dates and time with closers, title agents, and customers.

Mortgage loan processor II, 09/15 to 06/18 - Remote

Peoples National Bank – Colorado Springs, CO

Communicate with customers, appraisers, county offices, builders, real estate agent, insurance, and title agents via phone, fax, email. Work closely with third party credit agencies to obtain credit supplements and rescore customers’ credit. Obtain verification of employment calculating income, debt to income and LTV/CLTV. Submit pre-underwritten and audited files and documentation to underwriting to review. Types of loans processed: Jumbo, Conventional, FHA, VA, Bond, Reverse Mortgages and HELOCS. Set up closing dates and time with closers, title agents, and customers.

Consumer Loan Underwriter II, 01/2013 to 06/2015

Wells Fargo Home Equity - Colorado Springs, CO

Adhered to all federal and state compliance guidelines related to retail mortgage

lending. Meet or exceed daily task and loan application decision goals. Work with team

members on escalated files to resolve issues. Order and review appraisal and title.

Resolve any found appraisal and title issues. Calculate base pay, business, and corporate tax return income. Review credit bureaus and credit application for any discrepancies and possible fraud. Assisted senior-level credit officers with complex loan applications.

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