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Click here or scroll down to respond to this candidateCandidate's Name
Street Address Earl StreetTarpon Springs, Fl Street Address
PHONE NUMBER AVAILABLEEMAIL AVAILABLEOBJECTIVE: A challenging career position where I can fully apply my experience and skills with continued advancement potential based on initiative and results. EXPERIENCE:Fairway Independent Mortgage Tarpon Springs, FLSenior Processor/Junior Underwriter May 2020 CURRENT Once file comes to me from the loan officer assistant, I am responsible for submitting the loan to underwriting, review approval with the LOA, review all conditions once received from LOA, and see loan through closing, I assist the LOAs with structuring of loans, responsible for managing the pipeline for our team, assist in training classes, write procedures for our team, have capability to clear some conditions from underwritingProfessional Mortgage Alliance: Clearwater, FLSenior Processor December 2019 May 2020My duties include, order title, appraisal, structure and submit loan to underwriting. During the process I am responsible for communicating with the borrower, realtor and loan officer and submit to closing once I have a clear to close from underwriting. I communicate with the loan officer, borrower and realtor from application to closing.Motto Mortgage: Tampa, FLLicensed Mortgage Loan Originator April 2019 September 2019 Solicit realtors and prospective home buyers and assist them in obtaining financing for a new mortgage. Network in the field with various groups to obtain business Centennial Bank Clearwater, FLLicensed Mortgage Loan Officer November 2018 April 2019 Solicit realtors and prospective home buyers and assist them in obtaining financing for a new mortgage. Network in the field with various groups to obtain business, hold training classes for 1st time homebuyers Security National Mortgage Oldsmar, FLSenior Loan Processor February 2017 November 2018 Was responsible for carrying an active pipeline between 25 30 loans a month. Duties include, order title, appraisal, structure and submit loan to underwriting. During the process I was responsible for communicating with the borrower, realtor and loan officer and submit to closing once I have a clear to close from underwriting. I communicate with the loan officer, borrower and realtor from application to closing.Tarpon Springs Tarpon Springs, FLCity Commissioner March 2008 March 2019I served on the Board of Commissioners for the City of Tarpon Springs. Was responsible for setting policy within the city, review budget each year, approve projects and oversee the day-to-day operation of the city. I represented the City at many functions within the community and attend many speaking engagements. Universal American Mortgage Clearwater, FLSenior Loan Processor May 2016 February 2017My responsibilities include carrying an active pipeline of 40 or more loans a month and close between 15- 20 loans a month, Contact borrowers to review conditions, gather conditions and submit to underwriting, order title, appraisal and flood cert, keep lines of communication open with loan officer and borrower. Ultimate goal is getting a clear to close contingent upon appraisal within 30 days of submission. Achieva Credit Union Dunedin, FLDirect Loan Underwriter October 2014 May 2016Responsible for underwriting consumer loans for the credit union. Adhered to all Credit Union Policies and guidelines.Achieva Credit Union Largo, FLMortgage Sales Associate/Loan Processor October 2012 October 2014 Responsible for processing and closing 10 -15 mortgage loans monthly, meet my monthly sales goals, help members with their financial needs, attend networking events to promote the Credit Union. Bank of America Tampa, FLClaim Researcher III February 2012 October 2012Claim Researcher III: Responsible for, but not limited to, evaluating default mortgage servicing loans and files during the Claim Research process, to determine if all required loss mitigation activities were handled and documented in accordance with the requirements of HAMP, proprietary modification or other programs' requirements. Ensure that all required processes and procedures were followed; system of record notated, documentation available/imaged and appropriate borrower communication (verbal and written) was performed accordance to SD Directives/Internal Operating Procedures. Research files in their entirety, and provide a recommendation whether or not any errors, misrepresentations or other deficiencies that may be identified resulted in financial injury to the borrower or the mortgagee. JCII and Associates Tampa, FLDocument Reviewer August 2011 February 2012QC-UNDERWRITERPerformed quality control on rebuttal reviews for various investors and lenders on post closed defaulted loans prior to litigation. Review FNMA, FHLMC, and various bank portfolio closed loans for compliance and due diligence. Perform various auditing functions to assure loans will perform and prepare for purchase by investors. Ram Insurance Services Tarpon Springs, FloridaCustomer Service Rep. January 2009 August 2011Obtained my 440-insurance license to sell personal and commercial lines insurance. Was responsible for Helping build book of business for Ram Insurance Agency. ASAP Mortgage Services Tarpon Springs, FloridaOwner October 2006 January, 2009I owned an outsource Mortgage Processing business and processed loans for mortgage brokers in the Tampa Bay area as well as other states. I processed approximately 20 loans a month and closed approximately 10-15 loans a month. In addition to the processing company, I also owned a mortgage broker business which I employed 2 loan officers and assisted in placing, processing and closing of their loans.Carson Brown & Associates Tampa, FloridaOwner August 2002 October 2006I owned an outsource Mortgage Processing business. I had two junior processors as well as my partner and myself who processed for mortgage brokers in the Tampa area as well as other states. We were processing about 80 loans a month and closing approximately 60 loans a month. I was also in charge of marketing and soliciting for new business. In addition to the processing company, I also had a mortgage broker business which I employed 4 loans officers.Fremont Investment and Loan Tampa, FloridaAssistant Operations Manager May 2000 August 2002 I oversaw the day-to-day operation of one of three teams. My daily duties included reviewing new loan files that come in from our Northeast Region before going into underwriting, signing loans that may have exceptions or are over the underwriters limit, assist with problems in our funding, account manager and underwriting areas. I was responsible for ensuring we hit our weekly and monthly volume. I assisted our Account Reps in the field with issues they may have as well as any brokers that may have questions or issues.New Century Mortgage Tampa, FloridaRisk Manager May, 1999 May 2000I was responsible for auditing loan files that come in from brokers for fraud as well as making sure we are not flipping properties. I signed off on loan conditions, appraisals and title issues. When needed I assist underwriters with underwriting files as well as the Operations Supervisor with signing off on exceptions in files and making sure we are closing good saleable loans to our Investors. I also held training sessions for the account managers on how to read title, appraisals and certain issues they need to look for in files. Republic Bank/Flagship Mortgage St. Petersburg, Florida Operations Manager June 1997 May 1999The Bank hired me to start up their Subprime division. I helped write the underwriting manual, put together rate sheets and all forms used in the department as well as hiring all personnel for my department. I oversaw the day-to-day operation in dealing with first and second mortgages in the Subprime Underwriting Department. I handled compliance issues, defective loans, kept up with competitors in the market, signed off on loans, held various training sessions, and reviewed loans for bulk sales purchased on the secondary market. |
