Loan Processor Sales
Resume:
Julie Christine Kuk
Paradise Valley, Az. 85253
Objective- To secure a challenging position within a growing mortgage company where a self-starting individual is needed and where accomplishments are recognized giving the opportunity for growth.
Professional Experience-
Roxy’s Great Escape June 2008- April 2011
Lounge
Bartender
Maricopa Mortgage, May 2005- April 2009
Mortgage Broker
Sr. Loan Processor
All areas of processing involved.
Primary Processor for sales and marketing team consisting of 15 loan officers.
American Mortgage Specialists, Inc. May 2004- May 2005
Mortgage Banker and Wholesale Lender
Sr. Loan Processor
Sub-Prime, 2nds, Niche Products, Cash Flow Arms and Month Libors
Reviewing Files upon receipt to verify program is within Lender guidelines.
Working with Loan Officers and Loan Analysts to restructure loans when necessary.
Analyzing borrowers income and assets to meet ratio and reserve requirements.
Obtaining any additional information from borrower when needed.
Communicating to borrower loan status upon submission, approval and when docs are ordered.
Maintaining pipeline reports, tracking prelims, pay-offs and appraisals.
Pricing loans at the maximum benefit, locking loans, tracking lock expirations and extending when needed.
Reviewing final Hud 1, scheduling doc signing appointment with Title Co. and notarizing loan documents when necessary.
Make sure all final docs for funding are submitted in a timely manner and that title has also met requirements.
Submitting Payroll audit sheet for all parties involved in loan process.
Review and complete all closed files to ensure compliance and audit requirements.
Great Southwest Mortgage, August 2003- May 2004
Mortgage Banker
Sr. Loan Processor, Operations and Loan Officer Assistant
Construction Lending and Niche Products
Pre-qualifying the borrower, taking the initial loan application and placing the loan with a Lender.
Prepare GFE,TIL and all loan documentation for the file and send out to the borrower for initial signatures.
Once all signed disclosures are back I would review them and lock the loan if ready.
Update the 1003, do social security number verification, order appraisal, title, hazard insurance, prepare the file for underwriting and submit to proper Lender.
Upon approval obtain any required items from the borrower and prepare the file for docs and funding.
Review final HUD 1, reconcile all Lender checks and submitted for payroll.
Prepare the branch accounting for all bills and disbursements for payment.
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