Mortgage Loan Processor, Underwriter, Loan Originator, SS negotiator

CATHY “CJ” JOHNSON

**********************@*****.*** 561-***-****

OBJECTIVE

To utilize my extensive experience in underwriting and processing to help a motivated company exceed their production goals.

QUALIFICATIONS

Thirty years experience in the mortgage industry including originating, processing, underwriting, and closing of FHA/VA/USDA, Conventional, Alternative A, Subprime first and second mortgages. Excellent organizational and people skills. Self-motivated and work well under pressure.

EXPERIENCE

January 2009 – July 2009 Short Sale Real Estate Services - Ft Lauderdale, FL Negotiator/Processor

Prepared short sale packages for lenders and handled negotiation of contracts until approved by short sale lender to closing

July 2008 – Present Ultimate Processing by CJ, Inc. Loan Processor

• Processing of conventional, FHA, VA and USDA mortgage loans

March 2008 – November 2008 Kit Professionals – Boca Raton, FL Loan Processor

• Processing of residential and commercial mortgage loans

2006-2008 BankCredit Mortgage – Boca Raton, FL Processor/Loan Officer

Fully responsible for the placement, processing and closing of all loan files in the office. Also, handled calls from leads generated thru advertising provided and made the determination whether borrower was suitable for financing and how.

2004-2006 Iberia Mortgage - Boca Raton, FL Operations Manager

• Hired, trained and performed reviews to determine appropriate action with regard to employee progress.

• Assisted in the development of the policies and procedures for the processing dept.

• Liaison between 14 loan officers and the processing/closing team

• Oversaw daily operations of the processing/closing team

• Structured and priced loans

• Pre-underwriting of loans prior to submission

• Underwriting authority with Ohio Savings Bank.

2000-2004 Cash Out Mortgage - Fort Lauderdale, FL Sr. Processor

• Assisted in structuring and pricing loans

• Reviewed 1003s, credit reports, income and asset docs, appraisals, contracts, inspections, etc., prior to loan submission.

• Reviewed rate locks, programs, title work, insurance, surveys, payoffs, etc. prior to loan closing.

1999-2000 Crossland Mortgage – Deerfield Beach, FL AUS Specialist

• Reviewed and underwrote mortgage loans with DU and LP findings

• Reviewed and conditioned for missing items to receive final approval

• Reviewed final conditions to issue a clear to close

COMPUTER EXPERIENCE

Experienced in systems such as: Genesis, Pointe, and Byte. Familiar with the online systems for numerous lenders. Also, Word, Excel, Internet and basic computer skills.

References available upon request

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