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Professional Summary

Efficient Sales & Client Service Professional who is proficient in best practices, and success strategies. Motivated professional possessing a strong commitment to quality client service coupled with exceptional communication skills. Builds client loyalty by effectively resolving problems and quickly processing transactions.

  • Self-sufficient
  • Excellent work ethic
  • Managing Risk
  • Goal-oriented
  • Superior organization skills
  • Analytical
  • Practices due diligence
  • Courteous, professional demeanor
  • Complex problem solving
  • Ethical
  • Meticulous attention to detail
  • Team player
Work History
  • Customer Service and Support Representative
  • PNC
  • Orlando, FL
  • October 2019 to Current
  • Performs advanced customer service activities and initiatives for a broad range of products, services, and problem resolution that occurs across multiple channels for our customers. Delivers CARES model to customers and service partners
  • Receives, investigates and responds to customer inquiries regarding complex products, services and issues via all channels through which customers are served
  • Resolves customer service inquiries and issues. Recommends appropriate solutions. Resolves more complex or recurring issues. May interact with higher levels within the customer organization
  • Documents customer interactions and completes service requests to minimize customer effort or additional action
  • Mortgage Client Service
  • Suntrust Banks Inc
  • Orlando, United States
  • February 2019 to October 2019
  • Handled high volume, back to back calls in an efficient manner
  • Exceeded metric goals
  • Ability to notate account while engaging with client
  • Researched solutions to ensure customer satisfaction
  • Promoted available products and services to clients during service, account management and order calls
  • Promoted company as superior provider committed to client needs and satisfaction
  • Improved sales abilities and product knowledge on continuous basis to provide optimal service and achieve quotas
  • Assessed clients' financial situations to develop strategic financial planning solutions
  • Handled various accounting transactions
  • Mortgage Loan Originator Assistant
  • Innovative Mortgage Services
  • Lutz, FL
  • June 2018 to February 2019
  • Assists lead originator on loans
  • Maintained friendly and professional customer interactions
  • Answered telephone and online inquiries on loan products
  • Reviewed and edited loan agreements to ensure accuracy
  • Recommended loan approvals and denials based on customer loan application reviews
  • Maintained strict confidentiality of bank records and client information
  • Complied with regulatory requirements
  • Bartender And Trainer
  • Neighborhood Restaurant Partners
  • Kissimmee, FL
  • 2016 to 2018
  • Managed bar revenues, ensuring that all patrons were billed and all cash properly accounted for
  • Greeted guests in a timely and professional manner
  • Received beverage orders from wait staff and delivered beverages to guests
  • Enthusiastically and appealingly described food and drink specials to guests
  • Poured drinks using standard pour according to specifications
  • Set up glassware and liquor prior to events
  • Served each guest with a sincere, positive, pleasant and enthusiastic attitude
  • Server
  • BJs Restaurant & Brewhouse
  • Orlando, FL
  • 2017 to 2017
  • Greeted customers entering the store to ascertain what each customer wanted or needed
  • Politely assisted customers in person and via telephone
  • Provided an elevated customer experience to generate a loyal clientèle
  • Answered product questions with up-to-date knowledge of sales and store promotions
  • Skillfully promoted items on beverage lists and restaurant specials
  • Followed all safety and sanitation policies when handling food and beverage to uphold proper health standards
  • Displayed enthusiasm and knowledge about the restaurant menu and products
  • Server/Trainer
  • Bohemian Hotel Celebration, Autograph Collection
  • Celebration, FL
  • 2016 to 2016
  • Delivers friendly and efficient service to ensure a pleasant dining experience for all guests
  • Had the ability to suggest menu items based on the guests taste
  • Prepared specialty drinks according to corporate specifications
  • Fostered repeat business and a clientele of regular restaurant patrons
  • Recognized Marriott Elite Members and catered to their repeat business
  • Top performer in monthly specialty sales competitions
  • Trained new servers on menu knowledge and steps of quality service
  • Prepared for and served guests during banquet functions in accordance with hotel standards of food and beverage quality presentation sanitation and warm hospitality
  • Proficient in menu items for each function, served and explained the major ingredients and preparation methods for each item to be served
  • Completed side work such as refilling condiments and storing serving equipment and props
  • Led breakfast team in setting up and breaking down buffet and other special food services stations following standard policies and procedures
  • Assisted in routine inventory of food and beverage equipment and supplies
  • Guided guests through menus while demonstrating thorough knowledge of the food, beverages and ingredients
  • Bartender And Trainer
  • Neighborhood Restaurant Partners
  • Orlando, FL
  • 2009 to 2016
  • Managed bar revenues, ensuring that all patrons were billed and all cash properly accounted for
  • Greeted guests in a timely and professional manner
  • Received beverage orders from wait staff and delivered beverages to guests
  • Enthusiastically and appealingly described food and drink specials to guests
  • Poured drinks using standard pour according to specifications
  • Set up glassware and liquor prior to events
  • Served each guest with a sincere, positive, pleasant and enthusiastic attitude

State Certification: Licensed Mortgage Loan Originator - NMLS 1724556, 2018, 2019

  • High School Diploma
  • Plant City High School
  • Plant City, Florida
Computer Competency
  • Microsoft Office Suite
  • Skype for business
  • Adobe
  • Avaya Phone
  • Various platforms within Chrome
  • Company platforms for accessing accounts
This resume is created in 7 minutes.
An accomplished professional, highly proficient in meeting compliance requirements and interpreting legal documents. Strong history of clearly communicating and proactively following up on deadlines and tasks. Maintains Positive attitude and works hard to build relationships with customers and associates.
  • Client Relations
  • Compliance
  • Team Leadership
  • MS Office Expertise
  • Project Coordination
  • SEI Expertise
  • 2017 Bronze Shield Award winner for two high profile, complex conversions totaling over 1 Billion in assets
  • Successfully managed a complex portfolio that was double the size of other members within the Covenant Compliance teams of the Middle Office
  • Achieved 100% tickler compliance in 2014 while managing a municipal bond portfolio with over 1000 accounts across the eastern United States
  • Selected to take part in a conference of 25 elite processors, underwriters and home mortgage consultants, to come up with various practices that would improve customer satisfaction across all of Wells Fargo Home Mortgage
U.S. Bank, N.A. Client Manager- Global Structured Finance 08/2019 to Current
  • Performs transaction document review and negotiation in compliance with U.S. Bancorp policies and procedures as well as applicable regulatory requirements.
  • Supports sales efforts by providing technical expertise in pricing and pursuing new business opportunities.
  • Manages the high tier customer relationships for the Structured Finance Product with a high level of expertise consistent with governing document requirements, regulatory guidelines, and policies and procedures.  
  • Grows fee revenues through cost containment, automation or improvements of operational efficiencies, and through delivery of service levels commensurate with customer's fee revenue.
U.S. Bank, N.A. Account Manager - IT&C 09/2016 to Current
  • Managed and oversaw Institutional Trust and Custody accounts of various sizes established by clients for various purposes
  • Supervised the work processed by IT&C support staff, Operations, and others to ensure compliance with governing agreements, regulatory and legal requirements, and procedural guidelines
  • Completed relationship and administrative reviews, working with clients to clear any noted exceptions, and respond to requests from IT&C Risk Management, Trust Compliance, and Corporate Audit Services
Wells Fargo Bank, N.A. CTS Account Associate - Middle Office/CMES 04/2014 to 09/2016
  • Interpreted complex trust and other legal documents in order to identify administrative requirements and responsibilities 
  • Ensured the accurate establishment and ongoing maintenance of accounts according to policies, procedures, and regulations 
  • Communicated with customers, account managers or various other entities within a bond deal, the deficiencies or requirements of compliance items, as a designated subject matter expert
  • Managed the day to day activities associated with bond accounts including cash movement, invoicing, customer service, and financial reporting
Wells Fargo Home Mortgage Home Loan Processor 10/2011 to 07/2014
  • Managed the workflow of refinance and purchase applications for 50-120 customers, meeting all regulatory and compliance standards
  • Coordinated the various facets of the refinance and purchase processes, including title companies, appraisers, insurance agents, and subordinating lenders while meeting multiple hard deadlines
  • Analyzed and pre-underwrote applications base on the borrower's profile and current regulatory guideline, streamlining and shortening the average process time of an application
Education and Training
BBA: Organizational Management 2010 University of Minnesota Duluth
This resume is created in 7 minutes.
Professional Summary

Successfully managed 20+ people in a high production environment, 6 years customer service, 7 years with sales

  • Top 5% in ECR at LoanDepot multiple months, meaning the loans I put into process close
  • 1 of 7 people on the top performing team in our region at Quicken Loans receiving multiple MVP's over the year
  • Broke two production records at SPI Millworks
  • Earned multiple "Shamrock Rewards" for outstanding customer service, and sales increase
  • Recognized for raising our related sale average from 22% to 54%, 19% more than our company average, while supervising
  • Exceptional interpersonal communication
  • Negotiation expert
  • Bilingual
  • Strong leadership abilities
  • Goal-oriented
  • Strong work ethic
Work History
LoanDepot Mortgage Loan Officer | 14000 N Pima Rd #150, Scottsdale, AZ | August 2019 - June 2020
  • Hustle
  • Hustle
  • Hustle
Quicken Loans Mortgage Loan Officer | 1 N Central Ave Suite 2000 Phoenix, AZ 85004 | April 2018 - July 2019
  • Analyzed clients qualifying factors to find a product and program which would best fit their needs
  • Built rapport within the first few min of the phone call to gain trust and have a better position later on to use their own words to close a deal
  • Had the product knowledge to advise the best financial decision possible per client situation resulting in a loyal relationship
  • Managed 60 to 120 clients at any given time of the month by being organized and setting proper expectations
Paramount Equity Mortgage LLC, DBA LoanPal Sales Assistant | 8888 E Raintree Dr STE 205, Scottsdale, AZ | November 2017 - April 2018
  • Helped manage the largest pipeline at the site as assistant to lead LO
  • Chased/Hounded documents in order to pipe loans and then get through conditional approval
  • Set appointments for follow ups to avoid missing calls or having to leave VM's
  • Foreshadowed the rest of the process each call to make sure we were on the same page
  • Branded LO, the company and myself to maintain loyalty
AWireless Sales Consultant | 908 Historic State Highway 99, Corning, CA 96021 | 2017
  • Strategically, completedSales Calls, and 5Stars to drive traffic in, raising our year over year growth
  • Made appointments with customers, and business customers, better serving them in store as a VIP customer, and assured closed quality sales with follow up calls
  • Completed training, and also continuously studying our devices and services we offer
  • Efficiently discovered solutions and built a professional relationship with the customer reassuring, quality, and customer loyalty
  • Constantly reviewed all metrics with team, focused on our weakest areas to make us a stronger store in our district
Sierra Pacific Industries End-Work Operator/Fill in Shift Supervisor | 11400 Reading Rd, Red Bluff CA 96080 | 2014 - 2017
  • Successfully managed production activities so all orders were shipped on time
  • Investigated and implement ideas for quality improvement, increased productivity and cost reduction
  • Maintained and communicated daily productivity and shipment reports for my departments
  • Planned, directed, coordinated and assigned manpower to meet aggressive production schedules
  • Raised expectation and minimum of our quality standard, to better assure installer satisfaction
  • Asserted professional leadership, and relationships, resulting in becoming a Department Supervisor in very little time, managing 50+laborers
O\'Reilly Auto Parts Retail Service Specialist/Supervisor | 510 S Main st. Red Bluff, CA 96080 | 2011 - 2014
  • Investigated and resolved customer inquiries and complaints in an empathetic manner
  • Adhered to all confidentiality requirements at all times
  • Assumed ownership over team productivity and managed work flow to meet or exceed quality service goals
  • Trained staff on operating procedures and company services
  • Followed-through on all critical inter-departmental escalations to increase customer retention rates
  • Believed in, never saying no to customers,outsourced to find parts via,dealership, wrecking yards, and even competitors to assure customer loyalty and satisfaction
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Professional Summary
Experienced Realtor and Mortgage professional that is well versed in all aspects of the real estate transaction. Ability to manage the development and execution of contracts and loan documents. Proven record of providing superior service to both internal and external clients.Excellent communication skills combined with quick and accurate data entry to allow for immediate contribution to any organization. Ability to multi- task with ease with limited supervision. Along with strong computer and organizational skills to help stay efficient and ahead of work flow.
Work History
Licensed Loan Officer / Assistant, 03/2016 to 12/2016
Stearns Lending Gilbert, AZ
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Submitted loan applications to the underwriter for verification and recommendations.
  • Developed and maintained relationships with local real estate agents.
Loan Processor, 04/2015 to 02/2016
Guaranteed Rate Gilbert, AZ
  • Submitted loan applications to the underwriter for verification and recommendations.
  • Reviewed and edited loan agreements to ensure accuracy.
  • Compiled the loan applicants\' credit histories, financial statements and other financial information.
Sr. Mortgage Loan Processor, 04/2013 to 07/2013
Peoples Mortgage Company Chandler, AZ
  • Processing both purchases and refinances for all DPA, FHA, VA and Conventional loan programs.
  • Can manage a pipeline in accordance with Close of Escrow dates generally within the 30 day mark.
  • Analyze asset documentation and calculating income.
Mortgage Specialist, 10/2012 to 03/2013
Green Tree Mortgage Tempe, AZ
  • Effectively manage 40 loans in my pipeline.
  • Work closely with all other Departments to oversee the funding of all assigned loans.
  • Processing all Harp Refinances for current Green Tree Customers.
Loan Processor, 12/2011 to 09/2012
Hunter Financial Group Lending Tempe, AZ
  • Processed all Conventional and FHA loan programs with basic knowledge of other loan programs.
  • Effectively manage 40 loans in my pipeline on a month-to-month basis with monthly funded units exceeding 20 Maintain quality assurance with all lending guidelines to ensure applications are complete prior to sending into Underwriting and meet all loan program criteria.
  • Analyzed asset documentation and calculated income.
  • Teller, 05/2010 to 12/2011
    BBVA Compass Bank Gilbert, AZ
    Helped branch maintain high Customer Service & Experience scores and achieved above average scores on a continuous basis.
  • Responsible for paying out, balancing and receiving transactions within assigned delegated authorities.
  • Exceeded personal goal of uncovering sales referral opportunities.
  • Education
    Fashion Merchandising: 2010
    Mesquite High / East Valley Institute of Technology - Gilbert, AZ
    This resume is created in 7 minutes.
    Professional Summary

    Committed Mortgage Loan Consultant who provides excellent customer service throughout the loan origination process. Dependable and successful in building a loyal customer base. Demonstrates strong interpersonal skills and exceptional service throughout the sales process.

    • Highly motivated and driven to succeed
    • Customer service-oriented
    • Detail-oriented
    • Excellent teamwork
    • Strong problem-solving capabilities
    • Exceptional sales skills
    • Energetic and proactive
    • Strong interpersonal skills
    • Excellent organizational skills and great ability to multi-task
    • Self-sufficient

    Work History
    President, 02/2008 to Current
    Classic Financial Group Inc. Fremont, CA
    • Meet with applicants to obtain information for loan applications and to answer questions about the mortgage qualifying process
    • Analyze applicants' financial documentation, credit, and property evaluations to determine feasibility of loan approval
    • Explain to customers the different type of loan options that are available
    • Obtain copies of loan applicants' credit history
    • Stay up to date with new loan programs and guidelines in order to better meet customers' needs
    • Attract new mortgage loan applications by developing relationships within the community, specifically with the real estate community; making sales calls to prospective and past customers
    Mortgage Consultant, 06/2012 to Current
    C2 Financial Corporation San Diego, CA
    • Meet with applicants to obtain information for loan applications and to answer questions about the mortgage qualifying process
    • Analyze applicants' financial documentation, credit, and property evaluations to determine feasibility of loan approval
    • Explain to customers the different type of loan options that are available
    • Obtain copies of loan applicants' credit history
    • Stay up to date with new loan programs and guidelines in order to better meet customers' needs
    • Attract new mortgage loan applications by developing relationships within the community, specifically with the real estate community; making sales calls to prospective and past customers 
    Loan Consultant and Processor, 01/2002 to 01/2008
    Classic Realty and Mortgage Fremont, CA
    • Learned essential skills on how to process and originate a mortgage loan from the start of the transaction to close of escrow
    • Obtained pricing information for each client and mortgage prospect from various lender partnerships
    • Developed successful relationships within the real estate and mortgage industry
    • Obtained my Real Estate Salespersons license
    Bachelor of Science: Business Administration, 2001
    Hult University - London, UK

    California Association of Mortgage Professionals (CAMP) - Silicon Valley Chapter

    CA Broker ID: 01762354

    NMLS ID: 329612

    Spending quality time with family, Traveling, Watching sports, Exercising, Dividend growth investing in the stock market
    This resume is created in 7 minutes.
    To obtain a permanent full time position where my skills and experience will contribute to the successful mission of my employer. Thorough knowledge of regulatory, policy and compliance issues *Extensive training in compliance, sales, and customer services *Ability to prioritize daily tasks and assignments *10 key by touch *Lotus Notes *60+wpm *Microsoft Word *Microsoft Office *E-mail *Internet *Organizational skills *FHA/VA Underwriting *Conventional Underwriter AUS/LP Approver
    09/2013 to 09/2016
    Retail Manager Embark FCU Great Falls, MT Managed 2 branches which included 8 tellers, 6 MSR's and a receptionist.  Handled hiring new staff, held weekly meetings with MSR department, trained staff on Epysis, coaching, and completed staff reviews.
    04/2010 to 07/2013
    Mortgage Loan Processor US Bank, fka Heritage Bank
    • Prepares and processes mortgage loan records, files and correspondence from application through approval.
    • Assures compliance with bank, regulatory and investor guidelines.
    • AUS/LP Conventional Underwriter.
    05/2005 to 02/2010
    Branch Manager, AVP Heritage Bank
    • Managed all aspects of branch, to include: supervising staff, training, coaching, recruiting new staff, hiring, conducting employee reviews and executing termination procedures when necessary.
    • Performed, and evaluated Consumer Lending practices, New Accounts, Customer Service, Teller Line and audits to ensure company goals were met and the branch was in compliance.
    02/2000 to 05/2005
    Consumer Loan Officer/Processor Heritage Bank
    • Qualified, prepared and executed all loan applicants.
    • Processed loan documents along with the overflow from the loan processing department.
    • Assisted in Bank's Dealer Financing Program.
    • Established a merchant Servicing Contract and set up a referral program for student loans.
    12/1999 to 02/2000
    Customer Service Representative Heritage Bank
    • Identified, the financial needs of customers and provided appropriate products and referrals.
    • Provided excellent customer service and product knowledge.
    06/1999 to 11/1999
    Office Manager/Marketing/Closer First Montana Title Company
    • Managed an office of seven full-time employees.
    • Acted as a closing specialist trained in; Real Estate procedures, Title Insurance, Taxes and Deeds.
    • Networked and collaborated with banks, credit unions and mortgage companies throughout the state of Montana.
    • Organized special events for the Realtors.
    12/1980 to 06/1999
    US Bank Great Falls, MT
    01/1996 to 01/1999
    Personal Banker
    01/1995 to 01/1996
    Customer Service Rep
    01/1992 to 01/1995
    Teller Coordinator
    01/1989 to 01/1992
    Vault Teller
    01/1981 to 01/1989
    01/1980 to 01/1981
    Payment Processor
    FHA DE Underwriting-Certificate of Completion AUS/LP Conventional Underwriter CMR High School First Bank System-aka US Bank Consumer Lending Consumer Credit Analysis, Face to Face Selling Skills, Customer Service Seminars Licensed to Credit Life & Disability Insurance
    Special Olympics-Raffle Ticket Coordinator Ambassador-Blue Coats, Great Falls Chamber of Commerce American Cancer Society Fund Raiser United Way Volunteer
    closing, coaching, Credit, Credit Analysis, excellent customer service, Customer Service, special events, Financing, financial, hiring, Insurance, loan processing, office, mortgage loan, processes, Real Estate, recruiting, Selling, Seminars, supervising, Taxes, Underwriter, Underwriting
    Additional Information
    • COMMUNITY EFFORTS Special Olympics-Raffle Ticket Coordinator Ambassador-Blue Coats, Great Falls Chamber of Commerce American Cancer Society Fund Raiser United Way Volunteer
    This resume is created in 7 minutes.
    Professional Summary
    Work History
    Remote Mortgage Underwriter 12/2012 to Current
    PHH Mortgage Mt. Laurel, New Jersey

    Perform as an End Loan Underwriter for several Private Banking Labels to include Morgan Stanley, Key Bank, PHH, Merrill Lynch, HSBC, and also PHH Portfolio loans


    Analyze credit, asset, income and collateral documents to determine eligibility for conforming,  non-conforming, HARP and Jumbo products. Determine monthly income based on asset depletion and confirm the calculations used to decision the loan such as DTI, LTV, and Reserves.  Issue lending decisions based on the program requirements.


    Managed a pipeline of 60+ loans with a minimum requirement of 8 reviews per day.


    Consistently complete training of current industry and company mandates and successfully meet production requirements, while maintaining a 98.9% quality defect rate. ·        


    Number One End Loan Underwriter in the Site in 2013 for “One Touch” underwriting approvals, resulting in an approval, decline or Pending status during the first review

    Loan Processor to Mortgage Underwriter 03/2010 to 12/2012
    Bank of America Newark , DE

    Efficiently process home refinance loans using DU and LP, while maintaining a peak pipeline of up to 80 loans. Reviewed title reports, payoffs, appraisals, income documents, hazard insurance, and all supporting documentation required for standard compliance prior to underwriter submission. Conducted daily review and follow-up with customers and vendors regarding outstanding items to obtain them accordingly.


    Successfully transitioned from Loan Processing to underwriting Home Loan Modifications.  


    Selected for travel to Denver, Colorado to assist with the development of a new vendor site specializing in DOJ (Department of Justice) Modifications.  Performed as "Subject Matter Expert" provided coaching, support and feedback in an effort to set the location up for success.


    This resume is created in 7 minutes.

    Qualified and resourceful professional with diverse expertise in Mortgage Lending and Non Profit Management. Gregarious leader maintains a positive attitude and integrity in ever-changing business environments.

    • Ability to work independently with minimal supervision
    • Meticulous attention to detail
    • Computer proficient
    • Quick learner
    • Over 5 years management experience
    • Great written and verbal skills
    • Client-focused
    • Analytical
    All Things By Laura Danielle, Inc. Corona, CA President and CEO 02/2015 to Current
    • Provide services such as money management, tax preparation, life skills and any aspect of mortgage lending guidance on a daily basis.
    • Assist those in distressed circumstances to become or transition back as productive members of society.
    • Officially incorporated in April 2015.
    NACA Upland, CA Mortgage Consultant 03/2016 to 04/2017
    • Evaluate members' home readiness by reviewing credit report, income and assets via an average of 105 appointments monthly.
    • Coach members during follow up appointments in areas of opportunity.
    • Conduct presentations for Home Buyers and Purchase Workshops on a monthly basis​.
    • Pre-underwrite the file by addressing credit challenges such as late payments, charge offs and liens.
    • Order Verification of Employment and Rent. 
    • Prepare Property Specific Letters to confirm property is within members' loan approval within 24 hours or sooner.
    • Review Purchase Agreement, Addenda and Counter Offers to ensure they are fully executed.
    • Address and obtain Lender Conditions for final approval.
    Community Builders Association Pomona, CA Assistant Executive Director 07/2015 to 03/2016
    • Work directly with the President to oversee all current projects.
    • Participate in meetings with directors and special consultants.
    • Create PowerPoint presentations for training purposes.
    • Research various business opportunities to determine feasibility.
    • Interview and supervise project managers and office assistants.
    • Meet with potential business partners to introduce our programs.
    • Utilize Project Management Software to train staff to communicate progress on their assignments.
    Bank of America Brea, CA Work Flow Coordinator 09/2002 to 01/2015
    • Manage 12-16 loan processors successfully in the Team Lead's absence.
    • Request rushes for underwriter review and for documents from the closing department.
    • Trusted to process LexisNexis requests to obtain legal and public records related information.
    • Recognize and address coaching opportunities.
    • Monitor reports, such as rate lock expiration, pipeline and re-disclosure.
    • Help ensure team goals were met or exceeded.
    • Resolve problems.
    Brea, CA Government Team Loan Processor
    • Establish and maintain excellent working relationships with Loan Officers, Sales Managers, Loan Processing, Closing, Underwriting and Leadership Teams.
    • Process loan processors' FHA and VA pipeline while on vacation or out sick.
    • Assist Team Lead and Work Flow Coordinator with escalations and special projects.
    • Ensure changes in guidelines were communicated to and understood by the loan processors.
    • Created Priority Review Log to track escalations which enabled them to receive prompt attention.
    • Handle Rapid Reporting and Fraud Guard requests to clear alerts.
    Brea and Irvine, CA Senior Loan Processor/Jr Underwriter
    • Process an average pipeline of 50 conventional, FHA and VA mortgage loans per month.
    • Adhere to all compliance guidelines relative to mortgage lending.
    • Signing authority for income, assets and collateral for loans up to 1 million on purchases and refinances.
    • Evaluate the financial strength of borrowers to determine risk and repayment capacity, prior to issuing final approval.
    • Confirm debt to income ratios, CLTV/LTV, collateral and funds to close/reserves were within Lending and Underwriting guidelines.
    • Verify loan applications were accurate and update as needed.
    • Review credit reports, address any issues or concerns.
    • Analyze bank statements to ensure large deposits were sourced properly and withdrawals correspond to the credit report.
    • Order insurance declarations and flood certifications.
    • Calculate income using W-2's, pay stubs, 1099's and tax returns.
    • Investigate potential fraud thoroughly to final resolution.
    Bachelor of Arts: Economics with Emphasis in Business* Whittier College, Whittier, CA, USA
    Computer Skills

    Microsoft Word, Outlook, PowerPoint 2010, Internet Explorer, Lynx, LPS, Desktop Underwriter, Loan Prospector