Experience: Skills:
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Bilingual (Spanish)
Attention to detail
Financial Data Analysis
Title research / Open Title and Escrow / Order Appraisal / Order credit supplements
Team Work and Collaboration Calyx Point / Encompass
DU/LP/DSCR
VA and FHA proficient
Non-QM, Non- Conforming
Self employed borrowers/P&L
Employment verification / Asset Verification Use Loansifter to price and place all our loans
● Responsibilities:
· Prepare TRID compliant Change of Circumstances (COCs), Loan Estimates (LEs) including State Specific Disclosures for the Mortgage Loan Originators
· Review loan application packages for completeness and accuracy,
including but not limited to credit, income, assets and disclosures including required documentation from the customer and third parties in support of the loan approval decision.
· Attention to detail. All documentation to be reviewed/pre-underwritten prior to submission, clearing an underwriting condition(s) and or clearing a funding condition(s).
· Submit full loan packages to registration, review and clear underwriting conditions within lock period. · Update LOS System (encompass or POINT) to reflect accurate information.
● Inshortterms,IpreparethefilefromstarttoFunding.FromPricingthe file in Loansifter and placing the loan with the lender that has best pricing. Submitting the file, working all conditions to funding the loan.
Over 15 years in the mortgage industry and over 7 years of loan processing experience.
Experience with Point, DU/LP. VA, Conventional, FHA, Non Conventional, No QM, HELOC . HECM. TRID experience.
In office and remote processing.
Talented and knowledgeable in current loan market.
· Responsible for calculating and analyzing income, assets and liabilities
· Responsible for calculating proper loan amounts so that clients are not short to close at docs.
· Communicate, prepare and mail out commitment letter, notice of incompleteness or declines for accurate HMDA reporting
· Verifying and validating supporting income, asset and liability documentation.
· Review and respond to exception reports, internal and external audits, as required by our Operation Manager and Compliance Officer
· Communicate to client(s) a minimum of 2X per week via email and by phone to provide status updates – delivering excellent customer service is paramount
· Maintain accurate pipeline by documenting file status, lock expiration and conversation log to track loan progress · Provide MLOs updates on file on a weekly basis
· Perform other related duties as assigned or required, order VOE’S, VOM’S, credit supplements, appraisal, termite inspections. Whatever is needed to get the loan to fund.
· Establish great client relationship by routinely communicating with clients and by delivering excellent customer service
Work History:
Sr. Loan Processor – 08/2018 – Current
1stVeteran Mortgage Inc. – Mission Viejo, CA 92691 - Management - Steve Jones Sr. Loan Processor - 7-2016 – 8-2018
Blackrock Financial services Inc. - Mission Viejo, CA 92692 - # show contact info
Emortgage Capital - Irvine, CA
Lon Processor form 03-2014 - 07-2016
Principals only. Recruiters, please don't contact this poster.