Data Entry Loan Processor
Resume:
Reine Yangson
Camarillo, CA 93012
*********@*****.***
Summary
A result driven Processor, with multifaceted mortgage banking experience, seeking a position within the mortgage banking industry.
Bringing the following experience, skills and attributes. Extensive experience in working with the general public, interface well with others at all levels, attentive listener, cooperative colleague, flexible and able to juggle multi tasks simultaneously. Flexible and demonstrates a willingness to take on new and varied projects. Experience
KBHS Home Loans, LLC. – Sr. Loan Processor – 2021 to 2025
Review incoming documentation for completeness and accuracy,
Calculate property tax, mello roos according to KB tax matrix
Obtain all 3rd party approvals including mortgage insurance and subordinating lenders.
Continue to build rapport with our clients through welcome calls, loan application status and approval and closing calls.
Processed VA, FHA and conventional loans
Ran FHA Caivrs & FHA Case query
Request for VA COE – and request for changes if applicable
Ran DU and LP to ensure eligibility for loan approval prior to submitting to underwriting
Handled bulk collaterals
Reviewed rental agreements
Genesis Capital LLC, - Loan Processor – 2016 to 2021
Review appraisal reports as is and arv
Review construction rehab budget
Consistently closed & funded over 35 loans monthly
Handled bridge financing, short term loans
Ensure post closing documents for our leverage department
Handled bulk loans
Pennymac Loan Services LLC – Loan Processor – 2012 to 2016
Review incoming documentation from prospective clients for completeness and accuracy, including credit reports and appraisal.
Calculate income to determine debt to income ratios are within the FHA, VA, FNMA, FHLMC guidelines and Pennymac overlays.
Obtain all 3rd party approvals including mortgage insurance and subordinating lenders.
Continue to build rapport with our clients through welcome calls, loan application status and approval and closing calls.
Maintain up to date guidelines mandated by various government agencies (VA, FHA, FNMA and FHLMC)
Closed / funded 26 loans monthly
JP Morgan Chase –HL LM Underwriter – 2008 to 2012
Review and analyze client’s documentation to determine income for repayment capability.
Assess borrowers hardship and analyze income, housing expenses and determine property loan resolution.
Review the recommended foreclosure prevention alternative offered to the homeowner and ensure all investor / insurer guidelines are met..
Analyze the delinquency, perform escrow analysis and modification scenarios and proposals and recommend the appropriate loan workout.
Attend Naca events across the US to assist homeowners on a face to face interview and discuss possible foreclosure alternative.
JP Morgan Chase –Loss Mitigation Negotiator – 2006 to 2008
Primary responsibility is to ensure mitigating losses and expenses related to delinquent accounts, loans in foreclosure and pre-foreclosure and in bankruptcy.
Review and analyze all incoming documentations from homeowners and recommend foreclosure prevention alternative by setting up repayment plans, reinstatement if possible and short sale.
Washington Mutual Chase –Subpoena – Court Appearance Process – 2004 to 2006
Comply with subpoenas, search warrants and summons served upon the bank.
Handle incoming legal correspondence and schedule court appearances with bank representative with outside attorney network nationwide.
Negotiate and request for extension regarding production of documents with the appropriate Government agencies (FBI, CIA, IRS, etc.) and divorce attorneys.
Analyze the authenticity of the signatures and personal information.. Washington Mutual – Default Specialist II – 2001 to 2004
Handled big call volumes incoming and outgoing calls.
Offered and set up repayment plans on loans that are delinquent.
Handled big call volumes incoming and outgoing calls.
Analyze accounts for possible refinancing or deed in lieu of foreclosures. Skills:
Proficient in DU, LP and AUS.
Applications:
Orijin, excel, microsoft
References: Available Upon Request
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