Senior Loan Processor
Resume:
CHRISTINE RAGHEB
******.*********@*****.***
SUMMARY: Fast learning and self-starter; experienced in fast-paced environments, strong customer service skills and meeting deadlines. Excellent problem solving and analytical skills, phone and interpersonal skills, excellent written and oral communication skills, skilled in dealing with clients. My ability to work in a fast-paced environment and practical knowledge of customer service, multitask, and organizational management skills make me a remarkable candidate.
SKILLS: Very detail-oriented, organized thoughts, comfortable multi-tasking, excellent time management and work very well under pressure.
EDUCATION: Bachelor's degree in finance - DeVry University, Pomona, CA 2009
EXPERIENCE: SunTrust, now Truist Bank - Mortgage Underwriter II - Irvine, CA (Telecommuter) - February/2021 - October/2023
• Analyzed loan applications for completeness and accuracy.
• Reviewed credit reports, income, and assets to determine the applicants creditworthiness.
• Gathered, reviewed, and verified supporting documents (bank statements, tax returns, appraisals).
• Escalated complex documentation to Sr. Underwriter for review.
• Cleared underwriting conditions and reviewing third-party documents like appraisals or title reports.
• Updated AUS/LP after receiving documentation if an update is needed.
• Assisted with corrections that needed to be completed as requested by the purchase review team.
SunTrust, now Truist Bank - Mortgage Loan/Purchase Review Specialist Irvine, CA (Telecommuter) - July/
2015 - January/2021
• Assisted with special projects, as requested, such as the loan set-up department and the flood audit department.
• Trained and was the mentor for the newly hired teammates and performed QC audits.
• Processed files delivered for purchase by Correspondent Lending from when files received through
New Loan Set Up on the servicing system.
• Reviewed all documents that came in and made sure they are all completed and placed stipulations in the system for any document that wasn't completed or if documents needed corrections.
• Worked closely with the Underwriting department to clear conditions and escalated loans to the underwriting department that needed corrections.
• Reviewed all documents in the file and request necessary to purchase loan documents from the lender
• Made decisions regarding pending issues and provide support to other team members.
• Performed accurate preliminary review of specific information and documents included in each loan file; pending and clearing files for any incorrect or missing documentation.
errors less than 1% Ensures compliance case reports are within compliance and ensure there are no fails/out of tolerance issues
Alliance Funding Group - Documentation Specialist. Orange, CA - February/2014 - May/2015
Re-calculated payments to ensure customer's monthly payments are correct on the financial agreements, and/or lease documentations.
• Searched Vendors' legal status for lenders for Vendor and Equipment approvals.
• Generated documents depending on the customers' credit worthiness and financial situation.
• UCC lien search to ensure lender's interest in customers' repayment.
• Coordinated day-to-day workflow and organization support of assigned transactions and serves as a transaction lead and functional specialist.
• Ensured service standards, policies, procedures and customer issues are being met, handling complex problem solving and responding to internal/external client questions.
• Requested and reviewed insurance certification and making sure the lenders are listed as additional insured.
Wells Fargo Home Mortgage - Senior Loan Processor Santa Ana, CA - August/2012 - October/2013
• Closed 25-30 loans per month depending on pipeline volume.
• Specialized in FHA, Conventional and HARP loans.
• Prepared closing documentation packages based upon transaction requirements.
• Main borrower's point of contact, assisted with any questions or explanations.
• Assisted Underwriting department with gathering any outstanding conditions/stipulations.
• Reviewed and analyzed cleared to close documents to closing department to verify compliance with all regulatory, investor and company policies and procedures.
• Communicated final closing figures and condition requirements to customer as well as resolved any outstanding title requirements or customer requests.
• Gathered all required completed documentation packages from borrowers and ensured all within compliance.
• I have been chosen to be team lead for the newly hired team.
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