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Summary
Highly motivated, results oriented professional with over 15 years loan processing experience. Consistently recognized as a creative problem solver. Strengths include broad-based knowledge and commitment to excellence. NMLS ID 284197
Skills
  • Customer service-focused
  • Excellent communicator
  • Detail-oriented
  • Problem Solver 
  • Proactive 
  • Organized 
Experience
12/2017 to Current
Senior Loan Processor Homie Loans
  • Review and verify borrowers income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal. 
  •  Ensure compliance with company policies, underwriting guidelines and lending-program requirements.
  • Processor for the top producers of the company.
06/2016 to 08/2017
Senior Loan Processor/Junior Underwriter Integrity First Lending/Security Home Mortgage
  • Pre-underwrite files for clean submissions and quick closings
  • Work with multiple lenders in many different states 
  • Work with a team of loan processors and loan officers 
04/2014 to 07/2016
Senior Loan Processor LeaderOne Financial Services
  • Processing of all files for our branch
  • Training assistants and other staff members
  • Disclosing of all files for the office
08/2013 to 04/2014
Senior Loan Processor First National Bank of Layton
  • Processed loans in many different states
  • Team lead
  • Specialized in unique loan programs
03/2012 to 08/2013
Loan Processor/Loan Officer Hicks Enterprises
  • Originated and processed all of my own files 
  • Marketed for new loans 
08/2011 to 03/2012
Senior Loan Processor Wells Fargo Home Mortgage
  • Worked with 20-25 processors
  • In the top 3 for amount of closings every month
11/2010 to 06/2011
Senior Loan Processor Innovative Mortgage Alliance
  • Sole processor for the office
  • Trained staff members in the basics of processing
12/2008 to 11/2010
Senior Loan Processor Springwater Capital
  • 1 of 4 corporate processors
  • Worked with 10 loan officers
03/2006 to 12/2008
Senior Loan Processor Intermountain Capital
  • Sole processor for the office 
  • Worked with various lenders
07/2004 to 03/2006
Loan Processor/Office Manager Stetson Mortgage
  • Managed day to day operations while company owner was on leave 
  • Processed and placed a variety of loans with different investors
  • Handled customer relations from origination to closing 
02/2000 to 07/2004
Loan Processor Grand Peak Mortgage
  • Worked with various lenders and loan programs 
  • QC Files and prepare for payroll
  • Processed all loans for the office 
Education and Training
Utah Mortgage Loan Officer License NMLS ID 284197
This resume is created in 7 minutes.
Summary
Qualified and driven financial professional with over 6 years of experience in Mortgage Banking
Key Qualifications
  • Organized and detail-oriented with a track record of exceeding company goals and objectives
  • Customer-focused problem solver who handles difficult situations and proposes effective solutions; excellent decision making skills
  • Coach and mentor new hires on position requirements and regulatory policies and procedures
  • Exceptional analytical and risk management skills; adapts quickly to new technology and computer applications
Experience
Mortgage Banking Underwriter II Oct 2015 to Current
 JPMorgan Chase Bank
  • Maintain active Lending Authority to approve credit for both mortgage purchase and refinance loan applications and propose solutions to assist borrowers in obtaining and/or retaining homeownership
  • Specialize in underwriting external Corporate Relocation loans for employees of large corporations that Chase has established a preferred lender relationship with while ensuring all deadlines were met in a timely manner to give the customer the best experience
  • Responsible for the thorough analysis of credit applications for repayment capacity, credit, assets and collateral while adhering to company credit policies and investor/agency guidelines
  • Perform calculations of income and completed cash-flow and business analysis on companies to verify viability and customer repayment ability to prevent potential company risk 
  • Maintain high quality assurance on all submitted loan applications and achieve excellent customer service satisfaction scores from funded loans
Loss Mitigation Underwriter I Jan 2015 to Oct 2015
 JPMorgan Chase Bank
  • Analyzed highly complex borrower documentation to determine income and repayment ability, assess borrower hardship, analyze housing expenses, perform escrow analysis, identify potential fraud and determine proper loan resolution
  • Reviewed recommended foreclosure prevention alternative offered to ensure all investor/insurer guidelines were followed - FHLMC, FHA, USDA - while adhering to Department of Justice timelines
  • Maintained up-to-date knowledge of default policies and procedures; work pipeline efficiently to ensure timely resolution to minimize adverse customer impact
  • Achieved Top 10% - number of loans submitted to quality assurance
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Mortgage Quality Control Analyst Jun 2014 to Oct 2014
 JPMorgan Chase Bank
  • Temporary assignment to assist in loan quality reviews due to high volume
  • Responsible for ensuring Retail and Consumer Direct loan applications were submitted to Underwriting with accurate and required information necessary for complete initial decision in a timely manner
  • Completed thorough analysis of loan documentation including income, asset, and credit documentation to ensure complete documentation was obtained from customer to minimize delays and multiple requests for documentation
Senior Loan Processor Sep 2011 to Jan 2015
 JPMorgan Chase Bank
  • Maintained 60 to 80 files while funding over 35 loans per month while reducing company cost by ensuring all loans were funded by the closing and commitment date
  • Ensured all refinance loan applications adhered to company and government policy
  • Responsible for communication between all parties involved in the loan transaction
  • Analyzed documentation for acceptability against loan conditions from Underwriting
  • Developed effective work strategy and selected to train and mentor new staff
  • Routinely recognized monthly as Top 10% performer for cycle time, customer service, and quality
  • Ranked #4 out of 2000 processors April 2014; recognized in July 2014 for YTD quality
Home Lending Operations Assistant - JPMorgan Chase Bank May 2011 to Sep 2011
Customer Advisor Operations Assistant - JPMorgan Chase Bank Nov 2010 to May 2011
Portfolio Refinance Sales Assistant - JPMorgan Chase Bank Jun 2010 to Nov 2010
EDUCATION, TRAINING, SYSTEM PROFICIENCY
Central Crossing High School - High School Diploma － Grove City, OH
  • Credit Foundations Analyzing Assets
  • Credit Foundations Analyzing Credit
  • Fraud Prevention
  • Mortgage Banking Anti-Money Laundering Program
  • Expert with all Microsoft Office software
This resume is created in 7 minutes.
Summary

Talented Quality Assurance Analyst with exceptional background utilizing data from diverse financial and information systems to build tools that remarkably improve organizational decision making capabilities resulting in increased profitability. Demonstrated track record providing comprehensive error trending, efficiency initiatives, and analysis to senior management at Fortune 500 organizations. Possess keen understanding of the mortgage industry, accounting, analytics, and customer service. Skilled communicator, able to build strong working relationships with coworkers and clients. Highly adept at using MS Excel, Access, and SQL.

Education
Bachelor of Arts: Mathematics Boston College, College of Arts and Sciences, Chestnut Hill, MA
Certificate: Finance University of California Los Angeles, Westwood, CA

Completed courses in Financial Analysis and Accounting, achieved 4.0 GPA
Highlights
  • Self-motivated professional
  • Complex problem solving
  • Superior research skills
  • MS Office Suite
  • Leadership ability
  • Training initiatives
Accomplishments

Slashed Federal Housing Authority claim errors by 35% via strict compliance enforcement and implementation of an advanced quality control system.


Pioneered and developed Excel-based proration calculator, standardized payment processing for entire Post-Sale Foreclosure department, increased revenue by over 20% in a one year span.

Experience
Bank of America Corporation West Hills, CA Senior Quality Control Analyst 08/2010 to Current
  • Designing and creating weekly and monthly Excel/Access based error trend reports for executive management, highlighting key areas of opportunity via strategic analysis and modeling, implementing remediation plans to improve overall claims accuracy by over 10% during 2012.
  • Launching associate training directives, streamlining workflow processes, tripling claims-related revenues over an 8 month period.
  • Receiving numerous awards and recognitions from upper management as a top performer over multiple QA platforms for excellence in analysis, production, accuracy, and customer service, including the prestigious Silver Award 4 separate times as part of the BAC Global Recognition Program.
  • Revamping investor guidelines via self-initiated statute research project, working in conjunction with Fannie Mae management and the BAC Legal Department, solidifying reimbursement policies and procedures on an executive level for all 50 states.
  • Supporting and mentoring 140 associates as a Subject Matter Expert (SME), administering job specific action plans and technological solutions on a targeted, individual basis, generating a two-fold increase in department productivity.
Progressive Casualty Insurance Company Sherman Oaks, CA Managed Repair Representative 07/2006 to 07/2010
  • Awarded multiple recognitions for excellence including the quarterly Customer Service Star Award, increased client retention and boosted customer referrals by over 50%.
  • Amplified expense to earnings ratio from 0.92 to 0.85 via a rare 100% rating in damage estimation, saved over 180K in potential losses during a two year span.
  • Honored with the unique and distinguished title of Brand Ambassador by the Southern California Regional Vice President for demonstrating exemplary customer service and personifying the company's core values.
Countrywide Financial Corporation West Hills, CA Senior Loan Processor 08/2002 to 11/2005
  • Prevented real estate fraud via extended valuation analysis and title examination, saved over $100 million in lost revenue.
  • Recognized as one of the company's most productive and customer-focused loan processors, earning the Silver Star award for production as well as the exclusive Circle of Excellence award for above-and-beyond customer service.
This resume is created in 7 minutes.
Professional Summary
  • 18 years of accomplished experience in office administration, customer service, and sales for mortgage lending/financial service, telecommunication and retail companies in positions of increasing responsibility and complexity.
  • Knowledgeable of FHA, VA, Conventional, USDA, CHFA, CHAC and Bond Loans as well as home purchase and refinancing programs, banking regulations, state and federal laws.
  • Experience communicating with and assisting clients, establishing accounts, collecting information, processing and maintaining documents and reviewing documents for accuracy while following established policies, procedures and regulations.   
  • Skilled in researching complex cases, evaluating options, determining corrective actions to resolve client problems, and follow up with to ensure client satisfaction. 
  • Ability to supervise operations and personnel, serve as an intermediary between client and other staff, establish procedures to ensure office efficiency and productivity, train staff in policies and operations, and schedule/assign staff to meet work requirements. 
  • Experienced using LP/DU and other Automated Underwriting Systems, Microsoft Office, Calyx Point, CRM, DataTrac and Empower.
Work History
Senior Loan Processor, 09/2013 to Current
Citywide Home Loans – 80601, CO
  • Processed and prepared purchase and refinance mortgage loans including FHA, VA, Conventional, USDA, CHFA and CHAC loans under various loan programs in accordance to policy and procedures. 
  • Obtained and reviewed all documents thoroughly against the program/investor guidelines and loan conditions before submitting loan files to underwriting. 
  • Provided consistent communication and coordination to the Loan Originators, Buyers, Escrow Agents, Real Estate Agents throughout the process.   Met all contract deadlines and ensured loans closed on time as scheduled. 
  • Helped put together a training process for new processors at our branch and mentored newly hired Loan Processors.
Senior Loan Processor, 03/2010 to 06/2013
Pulte Mortgage, LLC – Englewood, CO 80112
  • Processed and prepared purchase mortgage loans including FHA, VA, Conventional, USDA and Bond loans under various loan programs in accordance to policy and procedures. 
  • Obtained and reviewed all documents thoroughly against the loan conditions before submitting loan files to underwriting. 
  • Provided consistent communication and coordination to the Loan Originators, Buyers, Escrow Agents, Real Estate Agents, and the homebuilder throughout the process.  
  • Ensured loans closed on time as scheduled. 
  • Mentored newly hired Loan Processors
Senior Loan Processor/Loan Officer, 09/2002 to 10/2009
Pride Real Estate Lending, Inc – Lakewood, CO 80226
  • Processed and prepared all types of wholesale mortgage loans under various lending programs including FHA, VA, Conventional USDA and Bond loans. Ordered necessary documents, collected client information and checked documentation for accuracy and potential problems prior to underwriting. 
  • Supervised two employees, established policies and procedures and performed common office administrative, office support and clerical duties for managers/loan staff. 

 
Education
High School Diploma: Thornton High School - Thornton, CO 80229

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