Mortgage
Resume:
EDUCATION
Midland College, Midland, Texas
Completed Law Related Courses:
• Intro to Law
• Intro to Business
• Intro to Paralegalism
• Intro to Civil Litigation
• Legal Drafting
• Legal Writing
• Computer Literature for Legal Assistants
• Business Law I
• Business Law II
• Legal Research
• Oil & Gas Law I
• Legal Aspects of Law Enforcement
• CLA Preparation
Graduation - December 1998
Received CLA Certification - 2000
SKILLS SUMMARY
• Calyx/Point
• Marksman
• Entre
• Edge
• AS400
• Microsoft: Word, Excel, Outlook
• Word Perfect
• Access
• Act/ Database for Palm Pilot
• WinSketch
• QuickBooks Pro
• Lexis
• Westlaw
• PeirsonPatterson Closing Document Software
• Byte
• DocuTreev
• Image Centre
RELATED EXPERIENCE
PrimeLending, Inc, Odessa, TX
January 16, 2009 – October 15, 2009
Mortgage Loan Originator
* Experienced with Fannie Mae Homepath, FHA, VA, USDA, TX Cash out, Conforming/Non-conforming Conventional Products
* Strong ability to build & maintain relationships with builders, realtors, & other business professionals
* Advising potential Borrowers regarding appropriate loan programs and processes
* Obtaining Credit Documentation, Disclosures and other Forms in accordance with regulatory and investor guidelines
* Maintain knowledge of available loan products, processing procedures, and underwriting and general departmental guidelines
* Manage pipeline for all originated loans through closing
* Communicate with branch and/or applicants - providing timely updates and progress reports
* Member of the GDWCAR PR Committee
* Member of the Aubrey Chamber of Commerce
Asheville Savings Bank, Hendersonville, NC 28792
October 22, 2007 – December 5, 2008
Mortgage Loan Originator
* Advising potential Borrowers regarding appropriate loan programs and processes
* Assisting in preparing and participating in Realtor/Broker/Builder functions including Open Houses, Conventions, Community Events and Homebuyer’s education classes
* Accepting Loan Applications and entering into system
* Obtaining Credit Documentation, Disclosures and other Forms in accordance with regulatory and investor guidelines
* Setting-up loan files
* Forwarding loan files for further processing
* Initiating and maintaining contact with Brokers, Realtors, Selling Agents, etc. within the locality to inform them of loan products and other services offered by investors
* Handle referrals from each branch office and provide appropriate follow-up and feedback
* Maintain knowledge of available loan products, processing procedures, and underwriting and general departmental guidelines
* Utilize the laptop for communication and access of daily rates, applicant credit reports, Loan Prospector/Desktop Underwriter responses and transmitting the loan
* Manage pipeline for all originated loans through closing and complete required management reports
* Communicate with branch and/or applicants - providing timely updates and progress reports
Countrywide Home Loans, Inc., Midland, TX
August 11, 2003 – August 17, 2007
Loan Specialist II/Jr. Underwriter
* Underwrite credit for CLUES Accept, DU Approve and LP Accept Conventional and VA loans ensure the accuracy and integrity of all information on loan application
* Process/Close an average pipeline of 40-60 loans per month
* Train new employees
* Monitor daily compliance, deficiency, ECOA and RESPA reports
* Ensure loan conforms to investor and company guidelines
* Obtain the documentation needed to process loans
* Review title commitments, appraisals, credit reports, income documentation
* Ensure excellent customer service to help establish and maintain business relationships with realtors and builders
* Communicate with customers and all third parties to ensure accuracy and efficiency with processing/closing/funding a loan
* Order closing documents
* Review HUD-1 prior to closing
* Review documents and closing cost with customer prior to closing ensuring customer satisfaction
* Review documentation signed at closing for funding
* Audit and ship funded files
Western National Bank, Midland, TX
March 2003 – August 2003
Mortgage Loan Closer
* Review files prior to and after closing to ensure all underwriting stipulations are met
* Review title commitments, appraisals, credit reports, income documentation
* Limited training with self-employment income analysis
* Order closing documents
* Review HUD-1 prior to closing
* Funding
* Prepare and ship closed files for investor
* Input loan applications
* Product orders
Steelhead Enterprises, Inc., Fletcher, NC
February 2001 – February 2002
Office Manager/Finance Assistant
* Accounts Receivable
* Accounts Payable
* Bookkeeping
* Monthly Profit/Loss Reports
* Originate Loans
* Handle all correspondence with Closing Attorney, Inspectors, Appraisers, Financial Institutions and Buyers
* Assist Lender and Buyer with Mortgage Loan until Closing
* Draft Real Estate Pre-Closing Documents
* Maintain Property Files
* Maintain Financing Files
* Research Property
* General Office Responsibilities
The Law Office of Patrick H. Cordero Jr., Midland, TX
June 1999 - May 2000
Legal Assistant
* Legal Research
* Drafting Legal Documents
* Real Estate
* Bankruptcy
* Corporate
* Trademark
* Contract
* Civil/Criminal
* Accounting/Bookkeeping
* Dictation and composition of all correspondence with clients, attorneys, bank personnel, Secretary of State personnel, Federal Offices, Judicial personnel, COM offices, City of Ft. Stockton Officials and many other various chairpersons and committees.
* General Office Responsibilities
Paragon Royalty, Inc., Midland, TX
May 1998 - June 1999
Administrative Assistant
* Accounting/Bookkeeping
* Bank Duties
* Analyze and Execute Division Orders
* Dictation and composition of correspondence with bank personnel, attorneys and oil & gas purchasers and operators
* Typing and Filing of Correspondence
* Create the necessary correspondence needed to inform purchasers of oil & gas interest ownership
* Prepare and Maintain Lease Files
* Created Database for Lease Information
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