Operations Manager Loan Processor

Carol Haney

Phone: 714-***-**** Huntington Beach, CA 92649 Email: ***********@*****.***

SUMMARY OF QUALIFICATIONS

Highly experienced in all aspects of the mortgage industry, with a strong background in mortgage banking. Served as Operations Manager for a correspondent lender for 12 years, with expertise in TRID/RESPA compliance, loan processing, documentation, funding, post-closing, and warehouse line compliance.

SKILLS

● Management ● Policy Development

● Processing & Compliance ● Procedure Implementation

● FNMA/FHLMC/VA/FHA/Jumbo

Guidelines

● DU/LPA Findings Interpretation

● Recruiting & Training ● UCD CD Submission Requirements

● Loan Placement ● Calyx Point

● Pipeline Management ● Microsoft Word & Excel

● Transaction Viability Assessment ● Investor Relationship Management PROFESSIONAL EXPERIENCE

Omni Inc. dba J & J Coastal Lending

Huntington Beach, CA September 2019 – June 2024

Underwriter & Senior Loan Processor

● Analyzed transactions to ensure compliance with FNMA, FHLMC, VA, FHA, CALFHA, Jumbo, Non-QM, Bank Statement, and DSCR guidelines.

● Structured loans and matched them with appropriate lenders for positive consumer outcomes.

● Troubleshot issues, including condo approval requirements, solar title liens, and income discrepancies.

● Processed transactions from origination to closing, ensuring timely completion of appraisals, loan contingencies, and closings.

AMC Inc. dba Terra Mortgage

Fountain Valley, CA 2007 – 2018

Senior Loan Processor/Operations Manager

● Managed and trained processing, sales, compliance, closing, and post-closing staff.

● Collaborated with upper management to establish warehouse lines and implement policies.

● Ensured compliance with TRID, RESPA, and warehouse line requirements.

● Recruited and trained loan officers on current guidelines, DU/LPA findings, and documentation requirements.

● Guided sales staff on loan placement and structuring transactions based on investor-specific guidelines.

● Resolved issues in processing, compliance, and post-closing to ensure pipeline salability and compliance.

● Prepared and audited NMLS and annual financial condition reports. Precision Lending Group

Santa Ana, CA 2005 – 2007

Processing Supervisor/Senior Loan Processor

● Supervised processing staff to ensure file accuracy throughout the loan process.

● Reviewed documentation, including title reports, appraisals, income, and assets, for guideline conformity.

● Processed and submitted loans across various programs, including option ARMs, hybrid ARMs, sub-prime, Alt-A, and prime.

● Managed funding and shipping of closed loans for post-closing purchase by investors. Capital Funding

Fountain Valley, CA 2003 – 2005

Senior Loan Processor

● Evaluated loan parameters against national lending guidelines to determine eligibility for closing.

● Assessed borrower creditworthiness, income, assets, credit history, and financial obligations.

EDUCATION

High School Diploma El Capitan High, Lakeside, CA

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