Loan Processor Customer Service
Resume:
Misty Orwig
**********@*****.***
Phoenix AZ 85032
Objectives
Looking to continue to grow within my mortgage career in the origination / operation fields, I am looking to work for a stable company closer to my home with benefits affordable for my family. I Have multiple years working in processing as well as originations. I hope to join a strong team and company that puts employees and their consumers' interest first. A company that can find a way to meet the
consumer needs and yet give employees the work/life balance they need .
Education
Kennedy High School
La Palma Ca
September 2000 to June 2004 Diploma graduate
Experience
Not Another Shady tree and Landscaping- from September 16 2019 to Current
Co-owner and administrator
Handle all accounting and payroll for business
Send invoices and confirm appointments with customers
Handles all customer complaints when needed
Customer Advocate - from June 21.2021 to February 25 2022
Freedom Mortgage
As a customer advocate my main job function is to be the communicator between all active parties involved from Purchase to refinance. To ensure our clients and sales partners understand the required documentation needed to complete the loan process with our company. I have worked loan for VAg and conventional.
Skills
1003 application review and understanding
Knowledgeable in VA= loans purchase and refinance
Knowledgeable in Conventional purchase and refinance
Purchase contract understanding
Pull new credit with venders
Flood cert pulling
Title report reviewing
Appraisal reviewing
Knowledgeable Credit report reading
Income documents reviewing
Tax returns reviewing
Escrow title documents understanding
Good understanding in Federal regulations for lenders ( HMDA, DODD FRANK, TRID, BIGGERS WATERS)
Customer service
Obtain and review conditions required to meet underwriter guidelines
Programs worked while employed PDF creator, Microsoft word, excel,allregs, and KD mortgage guide, Credco, The work number, and sales force
Mortgage loan processor 1 - from December 2, 2019 to March 27,2021
USAA One Norterra Parkway, Phoenix, AZ 85085
As a loan processor my main job function is to be the communicator between all active parties involved from Purchase to refinance. To ensure our clients and sales partners understand the required documentation needed to complete the loan process with our company. I have worked loan for VA and conventional.
Skills
1003 application review and understanding
Knowledgeable in VA= loans purchase and refinance
Knowledgeable in Conventional purchase and refinance
Purchase contract understanding
Pull new credit with venders
Flood cert pulling
Title report reviewing
Appraisal reviewing
Knowledgeable Credit report reading
Income documents reviewing
Tax returns reviewing
Escrow title documents understanding
Good understanding in Federal regulations for lenders ( HMDA, DODD FRANK, TRID, BIGGERS WATERS)
Customer service
Obtain and review conditions required to meet underwriter guidelines
Programs worked while employed PDF creator, Microsoft word, excel, allregs, and KD mortgage guide, Credco, The work number, and sales force.
Sr. Mortgage loan processor 3 from July 2019 to Nov 2019
US Bank 17851 N 85TH St Ste 205 Scottsdale AZ 85255
As a loan processor my main job function is to be the communicator between all active parties involved from Purchase to refinance. To ensure our clients and sales partners understand the required documentation needed to complete the loan process with our company. I have worked all loan types from FHA, new construction and conventional
Skills
1003 application review and understanding
Knowledgeable in FHA loans purchase and refinance
Knowledgeable in Conventional purchase and refinance
Purchase contract understanding
Pull new credit with venders
Flood cert pulling
Title report reviewing
Appraisal reviewing
Knowledgeable Credit report reading
Income documents reviewing
Tax returns reviewing
Escrow title documents understanding
Good understanding in Federal regulations for lenders ( HMDA, DODD FRANK, TRID, BIGGERS WATERS)
Customer service
Obtain and review conditions required to meet underwriter guidelines
Programs worked while employed PDF creator, Microsoft word, excel, Net Oxygen, Red sky, allregs, Data verify, Credco, Kroll, The work number
Sr. Mortgage loan processor/ Client care specialist ( loan processor title change led when new system was finally rolled out from February 12,2018 through June 26, 2019
Chase 1820 E Sky Harbor Circle S Phoenix AZ 85304
As a loan processor my main job function is to be the communicator between all active parties involved from Purchase to refinance. To ensure our clients and sales partners understand the required documentation needed to complete the loan process with our company. I have worked all loan types from FHA, Harp, and conventional. I have worked with all clients from Chase current, non-Chase current, and Chase private clients.
Skills
1003 application review and understanding
Knowledgeable in FHA loans purchase and refinance
Knowledgeable in Conventional purchase and refinance
Purchase contract understanding
Pull new credit with venders
Flood cert pulling
Title report reviewing
Appraisal reviewing
Knowledgeable Credit report reading
Income documents reviewing
Tax returns reviewing
Escrow title documents understanding
Good understanding in Federal regulations for lenders ( HMDA, DODD FRANK, TRID, BIGGERT WATERS)
Customer service
Obtain and review conditions required to meet underwriter guidelines
Programs worked while employed at Chase PDF creator, Microsoft word, excel, Closr, Real Ec, Zippy, mortgage express, Data verify, Credco, Kroll, The work number, FSD, and CFM and doc manager.
Mortgage Banker - March 16, 2016 to February 12, 2018
Chase 4311 W Anthem Way Phoenix AZ 85086
As a Mortgage Banker I worked closely with clients to maintain loans in my pipeline as well as obtain new business. I met face to back with customers and offered my knowledge and guidance through the process of their mortgage need. Following up on outstanding borrower conditions, processing conditions, and assisting both operation partners and customer to obtain items needed to keep files moving. I originated loans from conventional, FHA, and VA. Also submitted Applications in system used called Loan builder. I maintained communication from start to finish on each application originated to ensure customer’s questions and concerns were resolved and or addressed.
Mortgage Loan processor - January 2, 2012 through March 16. 2016
Chase 1820 E Sky Harbor Circle S Phoenix AZ 85304
As a loan processor my main job function is to be the communicator between all active parties involved from Purchase to refinance. To ensure our clients and sales partners understand the required documentation needed to complete the loan process with our company. I have worked all loan types from FHA, Harp, and conventional. I have worked with all clients from Chase current, non-Chase current, and Chase private clients.
Skills
1003 application review and understanding
Knowledgeable in FHA loans purchase and refinance
Knowledgeable in Conventional purchase and refinance
Purchase contract understanding
Pull new credit with venders
Flood cert pulling
Title report reviewing
Appraisal reviewing
Knowledgeable Credit report reading
Income documents reviewing
Tax returns reviewing
Escrow title documents understanding
Good understanding in Federal regulations for lenders ( HMDA, DODD FRANK, TRID, BIGGERS WATERS)
Customer service
Obtain and review conditions required to meet underwriter guidelines
Programs worked while employed at Chase PDF creator, Microsoft word, excel, Closer system, Real Ec, Zippy, Data verify, Credco, Kroll, The work number, FSD, and CFM
Collector – January 2009 to April 2011
Progressive Financial Tempe AZ
Job Responsibilities
Resolve past due accounts
Negotiate at high level with big balance accounts on repayment
Input payment from the consumer using bank accounts
Dealt with high call volume and dialer
Used multiple skip tracing tools (Accruing, collection advantage, work number, and triggers.
Account manager / Assistant for Sales Representative – March 2007 to June 2008
Power Plus Anaheim CA
Job Responsibilities
Called on job status
Put job files together for sales representative
Followed up with requested orders to ensure supplies ordered where sent in a timely manner
Set up appointments for sales representative
Dealt with high call volume and customer service
Internet research
Kept track of invoices and payments
Appraisal Assistant / Receptionist/ Loan Mortgage Account Manager – July 2004 to March 2007
BNC Mortgage Irvine CA and Riverside CA
Job Responsibilities
Input appraisal information to a program called laser fiche
Input 1003 application information in system
Answered phones
Worked with loan officers to obtain conditions requested by underwriters
Worked with account executives to pull new business from broker shops
Put together reports with admin was out of the office
Reviewed purchase contracts
Income documentation review
Covered positions when needed
Input notes in work bench on file status
Worked with underwriters to clear conditions
Worked with onsite appraiser to confirm values and dispute values
Summary of Skills
Reliable and Responsible
Used to working in a high pressure fast paced environment
Extensive experience with customer service
Strong Organizational skills, time management and problem solving
General office skills and computer knowledge
Great communication with co workers, customers, and management
Creative think outside the box
Problem solver
Microsoft word, excel and adobe knowledge
60 + wpm typing speed
Create a good working environment for co workers, relaxed though efficient.
References: Available on request
Contact this candidate