Loan Processor Customer Service

Andie Croak

Lake Forest, CA *****

949-***-**** **********@*****.***

Professional Summary

Mortgage industry professional with loan-processing experience and a comprehensive knowledge of Conventional, Jumbo, Non-QM, DSCR, FHA, VA and USDA/Government loan programs. A dynamic senior level mortgage loan processor with over 15 years’ experience in the mortgage and lending industry. Outstanding record of success in retail, wholesale, correspondent, Fulfillment and direct lending environments.

Skills

Highly Organized and Punctual

Customer Service Oriented

Goal & Detail Oriented

Calyx Point & other LOS systems

Multitasking

Effective Communication Skills

Analytical Problem Solver

Microsoft Office

Strong work ethic and values

Works well alone or on a team

Work History

Sr. Loan Processor/Mortgage January 2020 – Present On Call

Black Market Mngmt DBA CL Mortgage Processing – Remote/Lake Forest, CA

Surpassed the business average in terms of loan processing turn times prior to rate expiration.

Consistently achieved high customer satisfaction ratings.

Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title and escrow companies to ensure smooth closings.

Successfully managed my pipeline of mortgage loans from origination to post closing.

Worked on borrower conditions, cleaning title and credit, calculating income and determined best loan scenario.

Requested COC

Prepared Purchase, Refinance loan, initial disclosures, loan documents and prepared files for funding.

Conventional, Jumbo, FHA, VA and Non QM loans

Sr. Loan Processor/Mortgage October 2015 – February 2019

Willian Lyon Mortgage/Stearns – Remote/Santa Ana, CA

New Home Construction all borrower contact

Responsible for processing loans from origination to funding primarily for new home purchases

Prepared jumbo loans and seconds for submission to outside lenders

Processed Purchases, Refi’s, 2nds and HELOCS

Borrower, Underwriter, Loan officer, Title/escrow contact

Sr. Loan Processor/Mortgage August 2014 – October 2015

Greenlight – Irvine, CA

Encompass 360

Prepare files for submission Same Servicer, HARP, Convention and Non Conventional

Run Desktop Underwriter DU and Loan Prospector LP

Call out approvals to borrowers, gather conditions

Order demand, closing statements, COC’s, credit supps, Gap credit, 4506 Tax transcripts, SSA89 Match reports, title supps, insurance

Prepare HUD’s for dry states and make sure the it matches the last disclosed GFE

Draw docs with doc magic thru encompass

Review the closing HUD with the borrower before docs are signed.

Follow up on signed docs and make sure loan funds

Sr. Loan Processor/Mortgage August 2012 – August 2014

Wells Fargo Home Mortgage Fulfillment Center – Santa Ana, CA

Processed & submitted loans for final approval.

Communicated directly with borrowers

Reviewed documentation to ensure loans close in a timely manner

Demonstrated excellent communication skills with Borrowers, HMC/bankers, title escrow and co workers

Maintained high customer service

Organize work flow for pipeline of up to 60 loans

Ensure compliance with government and company policies

Processed internal Wells Fargo Subordination Agreement, verification of employment, credit supplements, Est. Hud 1, 4506T Tax Transcripts results

Reviewed Hud fees vs NDS fees ensure that TIL/GFE are in tolerance Prepare TIL if necessary / Requested CCV (Change of Circumstance Validation

Reviewed Trust Cert and Preliminary Title Reports.

Processed PMB (Private Mortgage Banker) loans

Education

Courses towards AA Degree

Santa Ana College – Santa Ana, CA

Sandler Sales Training 02/09 to 05/12

Irvine, CA

Contact this candidate