Mortgage Loan Processing Specialist

MICHELE MENDEZ

**** ***** **** ***., *******, AZ 85041 602-***-**** **************@*****.***

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CONFORMING & NON-CONFORMING LOANS CONVENTIONAL FANNIE MAE & FREDDIE MAC GUIDELINES FHA VA HARP LOANS NEW PURCHASE REFINANCE FORECLOSURE PREVENTION ESCROW SPECIALIST QUALIFICATIONS PROFILE

Mortgage industry professional with over 14 years loan-processing experience and a comprehensive knowledge of conventional and government loan programs. Thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from preapproval to closing. Professional Experience

CENLAR FSB, TEMPE, AZ

LOAN CONSULTANT 2018-PRESENT

Handle all levels of mortgage servicing inquiries.

Explain mortgage servicing process information to borrowers.

Resolve borrower and client complaints requiring in-depth research and provide written explanation of resolution.

Promote products and services with focus on customer satisfaction and retention.

Track and document all communications with customers to provide a detailed history of contact. MOVEMENT MORTGAGE, TEMPE, AZ

LOAN PROCESSOR 2015–2018

Provided support to loan officer and underwriter teams by ensuring the timely, judicious, and accurate processing of mortgages.

Review and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal.

Ensure compliance with company policies, underwriting guidelines and lending-program requirements.

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

Managed pipeline of 35-40 loans at any given time. NATIONS STAR MORTGAGE, CHANDLER, AZ

ACCOUNT RESOLUTIONS SPECIALIST 2013–2015

Responsible for effectively managing delinquent mortgage portfolios. Resolved customer delinquency utilizing the most cost-effective collections techniques to resolve customer delinquency and work towards a permanent solution.

Negotiated modification default resolutions on assigned mortgage loans, contacted customers with severely delinquent mortgage loans for the purpose of working out repayment plans such as deeds in lieu, short sales payoffs to cure the defaults.

Researched all Escrow related issues to ensure tax, insurance, and hazard loss payments, as well as mortgage insurance, is made in a timely manner. Processed and researched claims for company and client liabilities. TECHNICAL SKILLS

Microsoft Office Suite (Word, Excel and PowerPoint) Calyx Point PCL Various Mortgage Processing Software

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