SHARLA SINGH

*** ***** *** • Taft, CA. • *****

Home: 661-***-****, Cell: 661-***-****- rel571@r.postjobfree.com

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Objective: Seek the Position of Mortgage Loan Processor or Jr. Underwriter

SUMMARY: Top notch Mortgage Loan Processor with more than nine years experience in processing loans. Types including FHA, VA, & Conventional.Including obtaining title, reviewing credit, ordering and reviewing appraisals, as well as coordinating and assisting in the closing & funding of loans.

Summary of Qualifications

•Great experience in banking and lending environment with a vast knowledge of residential mortgage lending with solid knowledge of the local market and regulations. Also extensive knowlege of underwriting guidelines, investor requirements, and legal real estate requirements.

•Excellent organizational skills and great ability to multi-task.

•Exceptional written and verbal communication skills.

•Solid interpersonal and negotiation skills.

•Proven proficiency in relevant computer applications.

•Strong ability to provide own transportation to travel as needed.

•Uncommon ability to build quality customer relationships.

•Remarkably detail oriented with a strong work ethic.

•Strong sales and customer service skills.

•Proven leadership skills and strong integrity.

•Excellent math, analytical and time management skills.

•Excellent written, verbal and listening skills.

•Highly motivated and driven to succeed.

•Thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies.

•Profound working knowledge of underwriting requirements for FNMA, FHLMC, FHA, VA, local bonding programs, and private investors.

•In-depth familiarity with local, state and national laws (e.g. zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.)

•Uncommon ability to analyze financial information.

Relevant Professional Experience

Golden Empire Mortgage

November 2010 to Present

Jr. Underwriter~Conditions Coordinator

•Responsible for reviewing all incoming conditions for VA, FHA, & Conventional loans. Review all investor requirements and verifying documents submitted meet those requirements.

•Reviewing validity of documents submitted, including expiration dates, property types, signed Letters of Explaination.

•Making educated decisions for Underwriters reguarding Funding Exceptions.

•Adhere to and comply fully with any and all GEM policies and procedures related to internal and external rules and regulations, particularly those established by State and Federal law.

•Provide mortgage branches sound mortgage advice based on a full understanding of investor and underwriter requirements.

•Time management of large amount of conditions submitted daily considering sense of urgency due to fundings & document signing schedules.

USAA MORTGAGE- HAPPY VALLEY, AZ.

07/2008-08/2009

VA SENIOR LOAN PROCESSOR

•Organizing large pipeline, processing according to time constraights.

•Ordering & Reviewing Titles.

•Ordering & doing in depth Appraisal Reviews.

•Reviewing & Calculating Qualifying Income.

•Requesting all required documentation from Loan Officers per loan perimeters.

•VA Specific documentation knowledge and guidelines.

•Quality control on every file upfront, specific compliance knowledge.

•In depth relationship with military personnel.

CASCADE HOME LOANS-MESA,AZ.

05/08-08/08

JR. UNDERWRITER

Jr. Underwriter~Conditions Coordinator

•Responsible for reviewing all incoming conditions for VA, FHA, & Conventional loans. Review all investor requirements and verifying documents submitted meet those requirements.

•Reviewing validity of documents submitted, including expiration dates, property types, signed Letters of Explaination.

•Making educated decisions for Underwriters reguarding Funding Exceptions.

•Adhere to and comply fully with any and all GEM policies and procedures related to internal and external rules and regulations, particularly those established by State and Federal law.

•Provide mortgage branches sound mortgage advice based on a full understanding of investor and underwriter requirements.

•Time management of large amount of conditions submitted daily considering sense of urgency due to fundings & document signing schedules.

WELLS FARGO- TEMPE, AZ.

06/07-05/08 Temporary

SENIOR LOAN PROCESSOR

Organizing large pipeline, processing according to time constraights. Ordering & Reviewing Titles. Ordering & doing in depth Appraisal Reviews. Reviewing & Calculating Qualifying Income. Requesting all required documentation from Loan Officers per loan perimeters. Quality control on every file upfront, specific compliance knowledge.

EVOFI MORTGAGE-LAS VEGAS, NV. (WORKED FROM HOME-BASED in AZ)

01/2007- 05/2007 (Company Closed due to Market)

SENIOR LOAN PROCESSOR

Organizing large pipeline, processing according to time constraights. Ordering & Reviewing Titles. Ordering & doing in depth Appraisal Reviews. Reviewing & Calculating Qualifying Income. Requesting all required documentation from Loan Officers per loan perimeters. All Processing Responsibilites.

LOANHILL MORTGAGE-ROUSSELOW REALTY

10/2006-1/2007 (Company Closed due to Market)

SENIOR LOAN PROCESSOR & COMPLIANCE MANAGER

Organizing large pipeline, processing according to time constraights. Ordering & Reviewing Titles. Ordering & doing in depth Appraisal Reviews. Reviewing & Calculating Qualifying Income. Requesting all required documentation from Loan Officers per loan perimeters. All Processing Responsibilites. Implemented Compliance Manual Researched and kept entire Branch aware of new compliance laws. Held weekly meeting with Processors to ensure file compliance. Oversaw Federal & State Audit.

CREDIT SUISSE-LYDIAN DATA (WHOLESALE-OFFICE CLOSED)

2/2004-10/2006

SENIOR LOAN PROCESSOR/COMPLIANCE SPECIALIST

Organizing large pipeline, processing according to time constraights. Ordering & Reviewing Titles. Ordering & doing in depth Appraisal Reviews. Reviewing & Calculating Qualifying Income. Requesting all required documentation from Loan Officers per loan perimeters. All Processing Responsibilites. Researched and kept entire office aware of new compliance laws. Held weekly meeting with Processors to ensure file compliance.

FIRST FINANCE MORTGAGE

06/2002- 1/2004

SENIOR LOAN PROCESSOR/SENIOR LOAN OFFICER

Organizing large pipeline, processing according to time constraights. Ordering & Reviewing Titles. Ordering & doing in depth Appraisal Reviews. Reviewing & Calculating Qualifying Income. Requesting all required documentation from Loan Officers per loan perimeters. All Processing Responsibilites. PREVIOUSLY ORIGNATED LOANS BEFORE MOVING TO PROCESSING DEPT.

OTHER EXPERIENCE

SWAT PC-BAKERSFIELD, CA.

08/2009-11/2010

OFFICE MANAGER (also in school Fulltime during this period)

•Accounts Payable & Recievable.

•Checking in Laptops & PC's for diagnosis.

•Inventory organization.

•Knowledge of computers software, hardware, etc.

•Customer Service

•Phone ettiquette.

Education

BAKERSFIELD COLLEGE- CURRENTLY PT ATTENDANCE FOR B.A.

NORTH HIGH SCHOOL-BAKERSFIELD

REFERENCES:

MACY FOLLANSBEE:661-***-****

SHEENA SINGH: 480-***-****

PROFESSIONAL REFERENCES:

APRIL LUTTRELL: 619-***-****

LAURA FLEMING (PREVIOUS BOSS AT CREDIT SUISSE)

rel571@r.postjobfree.com

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