Loan Processor Customer Service

Martha P Almanza

**** ********** ***, ****** ** *0402. 773-***-**** Email: ************@*****.***

SUMMARY

Accomplished Senior Loan Processor with over 20 years of experience in the loan and finance industry. Proven expertise in analyzing, validating, and securing necessary documentation to meet internal and investor guidelines. Skilled in reviewing credit reports, calculating income and assets, and managing various grant programs. Demonstrates effective communication skills, consistently delivering excellent customer service and building a robust referral business. Proficient in resolving complex title issues and managing high-volume pipelines while meeting production goals. Experienced in collaborating with escrow officers, title officers, appraisers, and inspectors to ensure timely completion of transactions.

EXPERIENCE

BMO Dec 2022 – May 2024

Senior Mortgage Loan Processor; Naperville, IL

Analyzed, validated, and secured required documentation in accordance with internal and multiple investor guidelines.

Reviewed credit reports and other liability documentation for accuracy and completeness. Calculated income and assets using statements and supporting documents.

Managed various grant programs including FHLBC, Welcome Grant, UCC, and others. Updated fees from title companies, prepared files for pre-closing disclosures, and sent out necessary disclosures.

Assessed applicants' financial status, credit, and property evaluations to determine loan feasibility.

Maintained constant communication with customers and realtors throughout the loan process.

Draper & Kramer Sep 2020 – Feb 2022

Senior Mortgage Loan Processor; Downers Grove, IL

Responsible for analyzing, validating and obtaining all required documentation in accordance with internal and multiple investor guidelines.

Review credit reports and other liability documentation.

Calculate income and assets from statements and supporting documents.

Running the loan information through an Automated Underwriting System (AUS).

Preferred Rate Feb 2020 – Sep 2020

Senior Loan Processor/Loan Officer Assistant; Oakbrook Terrace, IL

Coordinated transactions related to sale and mortgage loans, including FHA and conventional loans.

Assisted clients with transactions and communicated status of home loans, thereby building powerful base of referral business due to delivery of excellent service.

Interacted with escrow officers, title officers, appraisers, and inspectors to resolve issues and facilitate completion of transactions in a timely manner.

Collect and translate conditions to the borrower once loan is approved.

Parkside Lending-(sold to Preferred Rate) Aug 2018 – Feb 2020

Senior Loan Processor; Oakbrook Terrace, IL

Coordinated transactions related to sale and mortgage loans, including FHA and conventional loans.

Assisted clients with transactions and communicated status of home loans, thereby building a strong base of referral business due to delivery of excellent service.

Interacted with escrow officers, title officers, appraisers, and inspectors to resolve issues and facilitate completion of transactions in a timely manner.

Collect and translate conditions to the borrower once loan is approved.

People’s Home Equity-(sold to Parkside Lending) Jul 2016 – Aug 2018

Senior Loan Processor; Oakbrook Terrace, IL

Process conventional loans approved by an automated decision system, Government loans such as FHA and VA.

Perform various administrative and support functions including adherence to RESPA by preparing and prior to shipping disclosures; confirm program, rate, lock expiration date and fees.

Bank Of America Home Loans-ROC 1028 Nov 2012 – Jul 2016

Senior Loan Processor; Rolling Meadows, IL

Made strategic business and HR decisions based on long and short-term objectives with a staff of 50-110 employees and 7 managers.

Responsible for rolling out new policies and guidelines to staff, provided training and ensured signed acknowledgements of policy and procedure changes were obtained and filed.

Improved sales and customer service scores from 3.9 to 4.8 on a 5-point scale by assessing customer feedback, providing training to staff, working across departments to involve other leaders and by modeling expected service expectations.

JPMorgan Chase June 2011 – June 2012

Support Services; Downers Grove, IL

Responsible for but not limited to verifying conditions of approval which may include customer income/asset documentation, resolve routine title issues, processes subordinations.

Provide excellent customer service by being initiative-taking in communication with customers that may include banking center associates, realtors, etc.

Review of closing documentation for data integrity and prior to fund conditions, funding of loans, or other functions necessary to ensure disbursement of funds pertaining to the mortgage loans.

Bank of America Home Loans Mar 2009- Jun 2011

Loan Processor; Oakbrook Terrace, IL

Processing 45-60 Review and verify loans approved by an underwriter or automated DU/LP.

Review and underwrite residential loan applications and verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, personal and corporate tax returns, credit analysis and liabilities, and employment history.

Resolve routine title issues, vesting, child support liens, judgments and subordinations.

Manage large pipelines/high volume and able to meet production goals

R. Capital Mortgage Sep 1998- Jan 2008

Loan Processor; Chicago, IL

Data Entry, Coordinate Closing Packages, and Managing Customer Service.

Proficient in various mortgage industry programs; Calyx, Fannie Mae and Freddie Mac,

Experienced in processing FHA, VA and commercial loans Responsible for effectively processing loan requests under minimum level of supervision, by obtaining, verifying, completing, and maintaining all necessary loan documentation and ordering titles, credit reports and appraisals.

Review and analyze all supporting documentation relating to loan applications.

Prioritize daily workflow to ensure accurate completion of requests made in a timely manner to meet the requirements of the loan department and to provide superior quality service to staff and management team.

Provide a range of services to support the Loan Officers and other staff members regarding the departmental goals, policies, and procedures.

EDUCATION

Wright College; Chicago, IL Sep 2006 – May 2010

AAS

Robert Morris College; Chicago, IL May 2016

Perusing Bachelor of Arts in Business Management, Minor in Humanities (Spanish, English)

Skills

Bilingual collaborator who communicates effectively with all levels of executives, staff and customers while also managing and changing priorities and deadlines.

A purposeful individual who is an organized, highly motivated and detail-oriented problem solver.

Experience with Conventional, FHA/VA, USDA, IHDA.

Computer Proficiency of Microsoft.

Strong analytical skills, including manual and automatic income and assets calculations.

Strong understanding of Agency guidelines FNMA, FHLMC.

Familiar with Encompass, Calyx and LOS

Skilled with grant loans such as IHDA, FHLBC, Sate Grants.

Contact this candidate