Mortgage Processing Expert with 20 Years Experience

Detail-oriented professional with ** years of Residential mortgage loan-processing experience and expert with Conventional, VA and FHA loans.

HIGHLIGHTS

Fluent in Spanish

Experience using Encompass, Empower, Power lender

Organizational skills, Detail Oriented

High accuracy in financial complex

Excellent verbal and written

EMPLOYMENT EXPERIENCES

Mortgage Processor-Freedom Mortgage 10/13/25-Present (Remote)

Managed a pipeline between 60-80 loans monthly

Acting as the main point of contact between the borrower, Loan Officers, Realtors and the underwriter, providing necessary documentation, and clearing conditions

Call all borrowers for any missing documents

Gathering and analyzing borrower documents, including pay stubs, tax returns, bank statements, and employment verifications

Reviewing loan applications for accuracy to identify if there are any errors

ensure the all-rate locks and closing dates are met on target dates for all transactions refinances and purchases

Ordering and reviewing appraisals, credit reports and title reports

Always maintain a high level of customer service

Ensuring all loans follows all legal guidelines, regulations, and company policies.

Coordinating with title companies and closing agents to ensure all documents are ready for final approval.

Mortgage Processor at Ameri save Mortgage (Remote) 9/2023-10/7/2025

act as a dedicated point of contact for a customer, guiding them through home-buying process

process from pre-approval to closing Their primary role is to ensure a seamless and low-stress experience by facilitating, communication and coordinating with all necessary parties.

Serve as a central communication hub, The concierge provides a single point of contact to ensure clear and consistent

communication between the home buyer, the real estate agent, loan officers, the title company, and insurance providers

Keep customers always informed, provide the borrowers step-by-step updates on the status of the home loan process, including tracking necessary paperwork and keeping clients informed about important milestones.

Coordinate with various parties and help manage the flow of information and documents between the buyer and all other key players in the transaction.

Provide personalized support, While Ameri Save is an online lender, the buyers concierge adds a personal touch to the process by addressing the buyer's individual questions and concerns throughout the journey.

Help ensure smooth closing by proactively managing communications and coordinating tasks to prevent delays and contribute to a more efficient and stress-free closing process.

Mortgage Processor at Infosys-M&T Bank (Remote) 05/2021-9/2023

Monitor the overall lending process, and identify, resolve, and communicate issues that could impact timely closure of loans.

Analyze loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds and examine supporting documentation to identify potential fraud or misrepresentation.

Identify potential issues and communicate with consumers and loan officers.

Order and review all third-party documentation, including credit checks, title reports, appraisals, tax returns, verifications of employment/assets, etc. to identify and address potential issues.

Stay current with federal, state regulations, policies and industry trends.

Check ratios and verify accuracy of AUS findings and program applicability.

Review and verify documentation integrity to ensure it aligns with findings, completeness and compliance, and submit loan file to underwriting for approval.

Identify qualifying/program issues prior to submission to Underwriting, and re-structure loan as necessary.

Order generation of loan documents.

Coach and provide guidance to less experienced Processors as needed.

Use and modify templates to compose professional correspondence and emails.

Provide status updates to Loan Officers and/or borrowers.

Mortgage Counselor/Foreclosure Prevention at Rhode Island Housing 2/2014 – 08/2020

Provided empathetic and appropriate financial advice to individuals experiencing financial hardship.

Obtained an overview of individuals’ financial situation, objectives and goals, and expectations.

Analyzed credit reports and other debt obligations.

Maintained appropriate documentation of counseling sessions and completed in a timely manner.

Collaborated with team members in other departments to ensure quality and comprehensive service.

Provided a recommended course of action that includes short- and long-term solutions of issues relevant to the individual’s situation.

Educated individuals on using available resources to meet priority expenses and financial goals.

Provided suggestions of internal and external referrals to individuals

Mortgage Processor at Centreville Savings Bank 07/2013 - 01/2014

Processed residential mortgage and consumer loan applications.

Managed a pipeline of 60 loans to assure that commitment, rate lock, and closing dates are met on purchase transactions and target dates for refinance transactions.

Experience in administrative duties such as the creation of commitment letters, attorney instructions, compliance disclosures, and consumer loan closing documents

Performed a variety of general ledger activities (e.g., posting fees, balancing accounts, etc.)

Responsible for the integrity of data entry into the loan origination system for assigned loans.

Performed all duties in accordance with bank policies, state, and federal regulatory compliance

guidelines.

Mortgage Processor at Rockland Trust 04/2012 - 06/2013

Maintained knowledge of real estate lending guidelines and compliance with secondary market

Managed a pipeline of 90 to 105 loans and generated reports for management.

Ensured appropriate verifications are processed and that application data is verified, substantiated, and eligible to qualify for program (VOE, VOD, VOM, VOR)

Prepared and sent notices of incomplete applications, denials, or withdrawn Obtained mortgage loan documentation such as credit report, appraisal, title, and related information.

Collaborated with other disciplinary teams and collected documentation for underwriting decisions.

Mortgage Processor & Loan Officer at Domestic Bank 07/2002 - 06/2011

Participated in mortgage loan processing and verification activities. Pipeline of 95 loans

Prepared files for underwriting by reviewing loan applications to ensure that all required documentation were provided by the borrower.

Reviewed disclosures, compliance forms, orders, and insurance coverages and obtained mortgage loan documentation such as credit report, appraisal, title, and related information.

EDUCATION

Baruch College, New York, (Major in Finance -2 years of college with 27 Credits) 09/1987 - 05/1989

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