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Click here or scroll down to respond to this candidateCandidate's Name
Miami, FL Street Address
PHONE NUMBER AVAILABLE EMAIL AVAILABLE LINKEDIN LINK AVAILABLELOAN PROCESSORResults driven Mortgage Loan Operations and Customer Service professional with a proven track record of efficiently handling loan applications from initiation to closure. Experienced in evaluating financial documents, verifying information, and ensuring compliance with lending policies and regulations. Skilled in communicating with clients, underwriters, and other stakeholders to facilitate a smooth and timely loan approval process. Demonstrated ability to analyze credit reports, income statements, and other relevant financial data to assess borrower eligibility. Highly organized with a focus on accuracy and completeness in documentation. Proficient in utilizing loan processing software and staying updated on industry trends. Committed to delivering exceptional customer service and contributing to the overall success of lending operations.SKILLS & PROFICIENCIESFile Management Data Entry and Database Management Regulatory Compliance Credit and Risk Analysis Collateral Evaluation Team Collaboration Maintaining Confidentiality Customer Service Responding to Inquiries and Requests Business Communication Email Correspondence Problem Solving Attention to Detail Adaptability Processing Software Automated Underwriting Software Loan Prospector Loan Product Advisor Loan Originator Loan Underwriter Calyx Encompass FraudGuard Lexis Nexis World Compliance LaserProSalesForce Webex Zoom Microsoft: Word, Excel, PowerPoint, Outlook, OneNote, TeamsPROFESSIONAL EXPERIENCERADIAN GUARANTY, INC., Miami, FL 04/2022 12/2023Customer Help SpecialistAssisted internal sales team and external lender clients with inquiries regarding mortgage insurance applications.Utilized SalesForce platform and MI Online system to access information on current applications.Achieved an average of 99.6% accuracy grade on quarterly case audits including emails, calls, and chats.Exceeded KPIs such as answering calls within 20 seconds and attained excellent rate of customer satisfaction.Received outstanding Customer Service evaluations via customer surveys averaging a rating of 4.9 out of 5.Applied expertise with automated systems to assist lender clients in obtaining MI pricing and loan approvals.Completed required compliance trainings as well as optional customer service enhancement trainings.FIRST HORIZON BANK / IBERIABANK, Miami, FL 09/2012 02/2021AVP, Quality Assurance, Residential Mortgage LendingManaged a team of 5 analysts and concurrently carried equal pipeline performing an in-line pre-closing review of all portfolio files. Created and originated department procedures ensuring requirements were met for signature authority, BSA/KYC approval, client record opening, clearing FraudGuard and credit fraud alerts, corporate structure documents, and regulatory compliance prior to issuing final clear to close.Created and maintained regulatory changes updating review process and check lists to be followed by the team.Monitored and distributed workload as well as supervised and audited team performance.Assisted Senior Leaders in strategic planning for policies for Residential Lending department.As subject matter expert on foreign and domestic corporate structures, compiled necessary documentation to verify ultimate beneficiary owners.Assisted sales team and trained loan officers on required documentation for lending to corporate clients.Cross trained and assisted in issuing initial disclosures or preparing closing documents when necessary.HELM BANK USA, Miami, FL 12/2009 09/2012Loan Processor / CloserConducted loan file processing from opening, closing, and funding stages.Opened files received from loan officer issuing initial disclosures within regulatory compliance time frame.Conducted verifications and ordered appraisals, inspections, title commitments, homeowners insurance binders, and insurance certificates as needed.Requested required documentation from borrowers for loan approval and closing.Ensured regulatory compliance was met, including corporate structure review and BSA/KYC approval.Prepared and delivered closing package to title company.Verified proper closing and funded loan.Carmen E. Pea PHONE NUMBER AVAILABLE EMAIL AVAILABLE Page 2LOAN PROCESSOR, Miami, FL 09/1999 08/2009Self-employed Independent ContractorSupplied mortgage broker processing services on a per file basis seasonal and intermittently. Responsible for gathering and verifying financial information from loan applicants, ensuring required documentation was complete to facilitate the loan approval process.Serviced 3 mortgage broker clients handling a combined pipeline of up to 50 files per month.Performed initial credit profile evaluation to place loan with appropriate loan product including initial automated approval submission utilizing Loan Originator or Loan Prospector.Gathered credit, income, assets, and collateral requirements to secure loan approval.Submitted file for approval and communicated lender requirements to borrower and broker.Obtained title insurance commitment and property insurance binders as required by lenders.Coordinated timely closings to meet contract deadlines.NATIONAL CITY MORTGAGE, Miami, FL 05/2002 11/2007Lead Underwriting Manager (08/2006 11/2007)Performed analysis of files submitted for underwriting requiring second signature per guidelines. Evaluated credit worthiness of applicants and adequacy of collateral real estate.Responded to Quality Control audits, lowering the previous 12% error rating to 4% within the first 6 months.Managed 4 underwriting staff and 4 coordinators, as well as assisted sales team with guidelines.Utilized Fannie Mae/Freddie Mac guidelines as well as other investor specific guidelines on a case-by-case basis.Transacted exception requests and condo warranty approvals as needed.Jr Underwriter (02/2006 08/2006)Underwrote loans with lending authority up to conventional agency loan limits.Reviewed, validated, and approved automated underwriting submissions.Trained and supervised a team of 3 coordinators.Assisted senior underwriters in clearing conditions for non-agency investor files.Loan Coordinator (05/2002 02/2006)Assisted wholesale mortgage broker clients to facilitate communications and loan approvals.Assessed new file submissions for completeness prior to senior underwriter review.Maintained open communications with client base, serving as liaison between broker and underwriter.Assisted brokers with underwriting stipulations, compiled and cleared conditions, and coordinated closings providing excellent customer service..EDUCATIONLiberal Arts Coursework, Louisiana State University, Baton Rouge, LADiploma, Bonnabel High School, Kenner, LA |
