Mortgage Loan Processor

Julie K Zubick *** Glenwood Drive Painesville Ohio 44077

*******@**.**.*** Home 440-***-**** Cell 440-***-****

SUMMARY

Results-oriented Sr. Mortgage Loan Processor with experience and proven track record in achieving established goals on a monthly basis. Background in accounting. Detailed oriented in the review of required documentation needed to close and fund Mortgages. Proven strengths in quality review of mortgage documents, and meeting required goals. Excellent interpersonal, communication and organizational skills. Hands on experience with:

Genesis Encompass Caylix

Microsoft word Automated Underwriting: DU/LP/DO Lotus Notes

Microsoft Excel Customer Service Credit Risk Analyst

Chase’s paperless system Chase Correspondent Operating Systems Customer Data Management

ACPAS and ION Gallagher and File Net FHA and VA

Loan Quest Key’s Continuing Education training Key View Deluxe

PROFESSIONAL EXPERIENCE

Key Bank Mortgage:

2008-2010 Loan Processor II Brooklyn, Ohio

Processed Conventional, FHA and VA loans for the State of New York and Great Lakes Region-Ohio, Michigan, Indiana for Internal and External Mortgage Advisors in these areas.

Main Job Function:

* Pre-underwriting new loan files when submitted by Mortgage Advisors

* Constant communication with Mortgage Advisors, Realtors, Title Companies/Attorney’s, Underwriters, Team Leads, Management and Clients.

* Receiving and review conditions and updating loan fees for the APR accuracy, prior to clearing loan file to close

* Excellent problem solving when issues arise with great sense of urgency to get corrected

JPMorgan Chase Bank; Home Equity and Correspondent Lending Division

2005 – 2008 Sr. Loan Processor Cleveland, Ohio

Worked side by side with 4-5 Account Executives. Area of United States that work was performed for is primarily Eastern and Southern States. Processing 2nd Mortgages for Brokers in those areas.

Main Job Function:

* Receiving, reviewing and clearing requested documentation to close and fund loans in specific time frame

* Work load included heavy communication with 4-5 Account Executives and several broker’s, via phone calls and e-mails

* Reply time from this communication was expected to be with in two hours do first communication

* Quality review of this process was expected to be no less then 95% accurate with monthly quality assessments checks

* Assigned to special taskforce with Chase Correspondent 1st Mortgage

* Reviewing loans for required documentation and release the loan for funding

* Worked in several areas within Chase-Scheduling, Processing and HMDA compliance review.

Premier Mortgage Funding

2004 - 2005 Processing Manager- 2 person team Middleburg Heights Ohio

Received and processed loan file from start to finish. Following responsibilities include but not limited to:

* Sending and received signed Loan application and disclosures to the client * Ordering Title and Appraisal reports * Pulling and reviewing credit reports to ensure credit worthiness * Verifications of deposits

* Utilized Conventional, FHA and VA underwriting processes * Reviewing Income and Asset documentation

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Eagle Financial Corporation of Ohio

2003 - 2004 Sr. Loan Processor Garfield Heights, Ohio

Primary Job Responsibilities;

* Data entry in to Genesis for on-line file submission to Lenders *Credit analysis via credit reports for credit worthiness

* On-line file submission and condition clearing *Coordinate file closings with Borrowers, Title and Lenders

Ameriquest Mortgage

2003 - 2003 Loan Processor Eastlake, Ohio

* Submitting file on-line and sending paper file to Corporate Office

* Responsible for clearing conditions to meet credit criteria set forth by the policies and guild-lines.

* Coordinate closings with Borrowers, Title Companies and Home Office

Education

Souderton Area High School May 1990 Accounting Souderton, PA

Professional Associations

Being with Broker Offices I have built relationships with the following Lending Instutions:

* JPMorgan Chase Bank

* Countrywide Home Loans

* First Horizon

* Washington Mutual

* Argent Mortgage

* Oakstreet Mortgage

* IndyMac Bank

* Bank of America

Relationships with Title Companies:

*Oldstone Title Agency

* National Closing Solutions

* Fiserv

* OldSchool Title Agency

* Clear Financial Service in Pittsburgh

* Secolink Settlement Services

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