Customer Service Mortgage Processor
Resume:
Eric Miller, PHR
Carrollton, TX 75006
*************@*****.***
linkedin.com/in/eric-miller-381161a1
Mortgage Processor with ten plus years of originating both Purchase and Refinance loans (Conventional and VA- both Streamline and Full documentation, FHA, USDA, Jumbo). Including two plus years of both servicing and post-closing experience. Knowledge of current TRID regulations, CFPB policy, software systems such as Encompass, Calyx, Unify and automated underwriting systems such as DU and LP. Served as a subject matter expert on Texas cash out refinance loan transactions and software. Obtained numerous customer service awards and consistently at the top of customer service satisfaction scores. I am fully confident and capable of taking a loan from origination through post-closing and registering the mortgage servicing rights to the investor.
Experience
Loan Administrator II /Credit Analyst 2 Bank of America 07/2022-12/2024
•Responsible for the timely and accurate release of commercial loan collateral including but not limited to real estate, UCCs, vehicle liens and life insurance.
•Responsible for conducting in-depth due diligence of Bank collateral using system of record and through review of legal loan documentation using such systems as (Credit Center, Loan IQ, Insight, Navigator, Workbench, Boss, EDR, I Lien Solutions, GWB Collateral Release, Hotdocs, federal, state and other business websites.
•Responsible for accurate document preparation of lien releases, validation of proper credit approvals, and communication with internal and external clients.
•Responsible for updating system of record and ensure collateral release completion through jurisdictional entities.
Sr. Mortgage Loan Processor Tomo Mortgage 01/2022-06/2022
•Processed purchase loans both new construction and existing throughout the continental United States.
•Interacted daily with clients, title companies, insurance agencies, and governmental agencies to obtain needed information and documents.
•Performed first level review of documents including income calculations, asset statements, large deposits, tax returns, and correct total debt to income ratio for the loan.
•Ordered appraisal and title work and coordinated the receipt of needed documents for a timely closing.
Sr. Mortgage Loan Processor NewRez Mortgage LLC 08/2020-11/2021
Processed both purchase and refinance loans.
Interacted daily with clients, title companies, insurance agencies, and governmental agencies to obtain needed information and documents.
Performed first level review of documents including income calculations, asset statements, large deposits, tax returns, and correct total debt to income ratio for the loan.
Ordered appraisal and title work and coordinated the receipt of needed documents for a timely closing.
Mortgage Loan Processor JPMorgan Chase & Co. 04/2019- 07/2020
Processed both Purchase and Refinance Multi-Family and Commercial loans ranging from loan amounts of a minimum of $500K to over $30M.
Interacted daily with client specialists, title companies, and other departments to obtain needed information and documents.
Performed quality control of the information received to make sure of compliance with federal guidelines and company procedures.
Performed first level review of documents including income calculations, asset statements, large deposits, tax returns, and correct total debt to income ratio for the loan.
Mortgage Loan Processor PennyMac Loan Services 07/2016 - 01/2019
Processed both purchase and refinance loans.
Interacted daily with clients, title companies, insurance agencies, and governmental agencies to obtain needed information and documents.
Performed first level review of documents including income calculations, asset statements, large deposits, tax returns, and correct total debt to income ratio for the loan.
Ordered appraisal and title work and coordinated the receipt of needed documents for a timely closing.
Served as a subject matter expert for my team on Texas cash out refinance loan transactions and software.
Obtained numerous customer service awards and consistently ranked at the top of customer service satisfaction scores.
Trained new hires and other employees.
Mortgage Loan Processor Guaranty Federal Mortgage 10/2014 - 03/2016
Processed purchase and refinance loans.
Interacted with clients, title companies, insurance agencies, and governmental agencies to obtain needed information and documents.
Administered post closing responsibilities by coordination with banks and other investors to deliver all necessary documents to facilitate the purchase of loans from my company.
Registered and transferred loans into MERS.
Served as a subject matter expert for my team on Texas cash out refinance loan transactions and software.
Obtained numerous customer service awards and consistently ranked at the top of customer service satisfaction scores.
Trained new hires and other employees.
Mortgage Loan Processor USAA Insurance 11/2012 - 10/2014
Processed purchase and refinance loans.
Served as point of contact for military personnel and their families throughout the mortgage loan process.
Interacted daily with underwriters, loan closers, title companies, real estate agents, and governmental offices.
Performed first level review of documents including income calculations, asset statements, large deposits, tax returns, and correct total debt to income ratio for the loan.
Ordered appraisal and title work and coordinated the receipt of needed documents for a timely closing.
Served as a subject matter expert for my team on Texas cash out refinance loan transactions and software.
Obtained numerous customer service awards and consistently ranked at the top of customer service satisfaction scores.
Trained new hires and other employees.
Mortgage Loan Processor Citibank 01/2012 -11/2012
Processed refinance loan transactions.
Communicated with customers, mortgage consultants, underwriters, and management regarding a large pipeline of 100+ loans.
Oversaw every aspect of the loan transaction from its creation by the mortgage consultant to the point of presentation to the closer in final complete form.
Registered with the National Mortgage Registry.
Served as a subject matter expert for my team on Texas cash out refinance loan transactions and software.
Obtained numerous customer service awards and consistently ranked at the top of customer service satisfaction scores.
Trained new hires and other employees.
Education
Master of Business Administration (honors) – Human Resources Management,
University of North Texas, GPA 3.7. Conferred December 1999.
Bachelor of Business Administration (honors) - University of North Texas,
GPA 3.6. Conferred May 1998.
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