Mortgage processor assistant

Ben Ousman

**** ** *** ****** *** *** North Miami Florida 33181

Telephone 305-***-****

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

University of Sherbrooke, QC Canada

Diploma: BACHELORS

College Bois de Boulogne. Montréal, Québec Canada

Diploma: CERTIFICATE COMMERCIAL CREDIT

CERTIFICATE PERSONAL LOAN

CERTIFICATE MORTGAGE LOAN

Online Institution

*Udemy California USA

Certificates:

CERTIFICATE: BECOME A MORTGAGE LOAN PROCESSOR

CERTIFICATE: START A PROFITABLE CAREER AS A MORTGAGE LOAN ORIGINATOR

CERTIFICATE: COMMERCIAL CREDIT ANALYSIS

CERTIFICATE: BANKING CREDIT ANALYSIS (FOR BANKERS)

CERTIFICATE: LOAN PROCESSOR & MLO MORTGAGE MATH: PROBLEMS & SOLUTIONS

EXPERIENCE:

CAISSE POPULAIRE ROXBORO

TITTLE : MORTGAGE PROCESSOR

Responsibility:

Responds effectively to the calls and demands of Consumers, establish personal relationship.

Reviewing and processing mortgage loan applications.

Evaluates and verifies credit criteria.

Requests additional information if required.

Verifying the type of Loan: CMHC, Conventional, as (FHA, VA, USDA, Fannie Mae, Freddie Mac)

Verifying employment and Income.

Ordering Credit report from Equifax.

Analyze of Credit reports to determine if the applicant’s information is accurate.

Analyze of payment history, credit score.

Double check list of information.

Verification of appraisers.

Calculating Loan to value, PITI or PITIA

Computes debt to Income ratios. (DTI) analyzing the prospective borrowers Income and debts to protect the loan in long term, (DTI) low allow applicant to be able to repay his financial obligations without risk.

Determines the maximum mortgage amount that the borrowers can afford.

Approves loans within limits of authority guidelines and notifies applicants of loan decisions.

Coordinates and processes closings.

Ensures each loan is promptly and properly prepared, documented, processed, approved, and disbursed.

Calculates terms, finance charges, and insurance on loans for proper disclosure on promissory notes.

Assists in servicing loans by processing such items as payoff, refinances, problem loan workout arrangements, address changes, payment extensions, collateral releases, and payment due date changes.

Options for other possible ways to secure a loan in the future.

Respond effectively to the calls and demands of consumers, establish personal relationship.

Identify consumers needs and direct to appropriate representative.

Ensure consumers satisfaction and preserve the Caisse’s professional image by providing a personalized an efficient service.

Household Finance corporation

Tittle: Consumers Loans/Credit and Debts consolidation Officer

RESPONSIBILITIES:

Take applications for consumers loans /Auto finance/second Mortgage/or credit and debt resolution

Consultations to understand clients' financial situations and debt issues.

Gather financial Information as Income, Taxes reports, Bank statement, debts creditors

Order credit report

Evaluate clients' eligibility Calculate PITI debt to Income DTI

Approve the loan with authority limit, inform the applicant.

For the debt resolution, explain the debt settlement process, including its benefits and risks, to

clients.

Provide information on alternative debt relief options, such as debts

consolidation or credit counseling, as appropriate.

Address client questions and concerns regarding the debt settlement

process.

Assist clients in completing the necessary enrollment paperwork and

documentation.

Collect required financial information, including details of the debts owed

and creditors.

Ensure all client’s information is accurate and complete for the enrollment.

process.

Order credit reports from Equifax, analyzing payment history

Ensure compliance with all relevant law’s regulations governing debt settlement.

services.

Provide full disclosure of fees, terms, and conditions associated with the

debt settlement program to consumers.

Obtain consumers consent and acknowledgment of the terms of the debts

Settlement agreement.

Initiate and maintain communication with consumers regarding payment via phone, e-mail, and written correspondence.

Collaborate with internal departments to address and solve customer issues impacting payment of

Credit offering, Consolidation, Collect or receiving payment from Consumers.

Proceed the reimbursement of different consumer’s Creditors (debts consolidation)

Promotion and development of diverse Credit, Loans, Second Mortgage loans.

Maintaining business relationship with news and existing consumers by promoting news financial products that should be interesting for them or for their business.

According to discount to consumers paying before their terms.

According to percentage discount to Consumers bringing news clients or friends for news Credit or loan applications, debt consolidation, Auto Finance, or business finance

Collaborate with billing and account department

Developing and maintaining good relationship with customers

Sending statement to customers overdue balance an indicate method of payment they can use

Explaining the details of the debts, including the original amount, current balance and interest or fees applicable.

Negotiate payment plan with the debtors as installment

Following up on payment promises by the customers and potential risk of no respecting the agreement

Record and update collection activities

According to percentage discount to Consumers bringing news clients or friends for news Credit or loan applications, debt consolidation, Auto Finance, or business finance

Collaborate with billing and account department

Developing and maintaining good relationship with customers.

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