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Click here or scroll down to respond to this candidateCandidate's Name
Mortgage Loan Processor &Auto Finance SpecialistEMAIL AVAILABLE PHONE NUMBER AVAILABLELinkedIn Profile Aubrey, TX 76227Seasoned professional offering a wealth of experience processing mortgage loans for renowned lending institutions. Adept at: engaging with clients, assessing loan needs, and presenting options to meet financial objectives. Proficient at: managing the lending process, compiling required records, and steering each loan toward a successful close. Excel at: time management, organization, prioritization, and cross-functional collaboration. A visionary with the capacity to lead teams, achieve client satisfaction, and accomplish KPIs in a competitive market segment.Areas of ExpertiseMortgage Lending ProcessesDocuments & RecordsAccount ManagementFannie & FreddieFHA & VA GuidelinesLoan ApplicationsClosing DocumentsRegulatory ComplianceStaff Training & MentorshipUnderwriting ProcessQuality AssuranceBudgeting & FinanceComplex Problem SolvingCredit & Employment VerificationReport Generation & DeliveryManagement / Customer ServiceWorkflow EnhancementContinuous ImprovementRevenue GenerationMS Office Suite (Word & Excel)Lending SoftwareProfessional ExperienceFannie Mae, Plano, TX 09 / 2022 12 / 2023Operations AnalystOffer education and insight to outside mortgage companies learning how to utilize and access Loan Quality Connect. Compile information, enter data, and update records in the Loan Quality Connect platform. Maintain expansive knowledge about the platform as well as any pertinent applications or upgrades.Identify mislabeled documents, resolve issues, and prepare information for subsequent audits.Leverage acumen for MS Excel to enter missing loan files or documents out of SLA for management review.Receive and process lender late delivery requests with accuracy and precision.Point Mortgage Corporation, Chula Vista, CA 07 / 2020 07 / 2022Senior Loan ProcessorRecruited and retained by the organization due to expansive loan processing knowledge. Credited as a top team member who established client relationships, assessed loan needs, and provided a variety of options. Maintained expansive knowledge regarding the latest lending products featured in the market.Communicated with applicants, requested required documentation, and verified paperwork with precision.Generated and sent files to underwriting for review; subsequently received funding conditions for client review.Created and submitted loan packages to escrow and title companies.Entrusted to train, mentor, and coach new team members in industry practices and standards.Crafted team communications and information for monthly meetings.First Bank, Plano, TX 01 / 2020 07 / 2020Senior Mortgage ProcessorConferred with applicants, determined loan needs, and discussed various options based on financial standing. Highlighted terms and conditions associated with all mortgages. Reviewed loan documentation, compiled files for underwriting, and steered each applicant toward a successful close.Reviewed and verified financial documents, tax records, and employment history.Advised applicants of conditions from underwriting and ensured completion of associated tasks.Ensured regulatory compliance with Fannie, Freddie, FHA, and VA requirements.Served as a client advocate and communicated with other professionals including realtors and underwriters.Demonstrated the capacity to guide a portfolio of applicant files at various stages of the process.Colonial Savings, Fort Worth, TX 11 / 2019 01 / 2020Senior Loan ProcessorLeveraged expansive industry knowledge process loans on behalf of applicants with accuracy and precision. Contacted prospective borrowers and offered various loan packages based on credit worthiness. Discussed terms, conditions, and process for funding the loan.Requested and received required documentation from applicants including financial and property records.Reviewed closing conditions, informed applicants, and ensured all information was received or handled.Contacted personal records, verified employment history, and reviewed credit history in detail.Utilized knowledge of Fannie, Freddie, FHA, and VA guidelines to ensure regulatory compliance.Commended as a top team member that always accomplished goals and objectives.KBHS, Irving, TX 04 / 2019 10 / 2019Senior Loan ProcessorDelivered exceptional customer service to all loan applicants from inception through completion of the process. Contacted prospective borrowers, information applicants of approvals, and outlined associated terms and conditions. Gathered appropriate documentation required for the loan including title abstracts, insurance documents, loan paperwork, and tax records.Contacted closing company and reconciled all closing disclosures.Verified financial information, ran credit reports, and determined pertinent ratios such as DTI, among others.Advised clients of conditions sent by the underwriting department.Collaborated with other industry professionals such as realtors and underwriters while moving toward closing.Achieved and exceeded all KPIs and performance metrics.Additional ExperienceEagle Home Mortgage, Senior Loan Processor, Tempe, AZ, 2015 - 2018Reviewed and verified all details concerning loan applications and closing documents.Compiled title abstracts, insurance documents, loan paperwork, and tax records for each applicant.Confirmed closing disclosures with the title company prior to close.Verified financial information from the applicant while keeping the file on track for a successful close.Informed applicants regarding any conditions sent from the underwriting department.Coached and advised new employees in preferred practices and standards.Utilized knowledge of Fannie, Freddie, FHA, and VA guidelines to execute job functions.Engaged with other industry professionals including realtors and underwriters.Chase Home Finance, Senior Loan Processor, Phoenix, AZ, 2012 - 2015Connected with borrowers and offered information regarding loan approval.Reviewed and verified loan documentation with accuracy and precision.Compiled required documentation including title abstracts, insurance coverage, loan files, and tax records.Handled all conditions from the underwriting department foreach loans.Affirmed employment history, contacted personal references, and verified credit history of applicants.Generated loan packages and submitted documentation to title and escrow companies.Leveraged expansive knowledge of Fannie, Freddie, FHA, and VA guidelines; also, furnished Regulation Z report.Commended by management as a valued team member who was punctual and offered excellence client service.Chase Bank, Loss Mitigation Specialist, Tempe, AZ, 2008 2011Reviewed credit, income, compliance, credit history, and appraisals during the underwriting process.Verified pay stubs, tax documentation, and bank statements to affirm financial status.Contacted borrowers, reviewed financial standing, and offered loan restructuring options.Highlighted terms and conditions of all loans to borrowers; additionally, processed modified loan payments.Offered insight and advice on the best prospective loan given the situation of the borrower.Adhered to regulations including: Bank Secrecy Act, Anti-Money Laundering Act, OFAX, US Patriot Act, Privacy Act, and Community Reinvestment Act, among others.Facilitated short sales in lieu of foreclosure processes.Trained, mentored, and coached team members in best practices.EducationUnderwriter Courses, 2023National Association of Mortgage Underwriters (NAMU), Hollywood, FLCoursework Completed in Business ManagementCollin College McKinney, McKinney, TXLicenses & CertificationsMNLS# 870064Texas Notary |
