• Over 20 years in the mortgage industry and over 14 years of loan processing experience.
• Experience with Point, Arive / DU/LP. VA, Conventional, FHA, Non Conventional, No QM, HECM. HARD Money,
HELOC, P&L programs.
• In office and remote processing.
• Talented and knowledgeable in current loan market.
Skills:
• Bilingual (Spanish)
• AXenGon to detail
• Financial Data Analysis
• Title research
• Team Work and CollaboraGon
• Calyx Point / Encompass
• DU/LP
• VA, FHA, ConvenGonal, conforming, Stated income, DSCR, HELOCS, HECM. etc.
• Non-QM, Non- Conforming
• P&L
• Employment verificaGon
• Use Loansi\er to price and place all our loans
ResponsibiliCes:
Everything from, gathering all sGps, pricing and placing the loan, open Gtle and escrow, order payoff, appraisal (if needed), order HOI, Submi^ng, working on condiGons and ge^ng the loan to funding.
· Prepare TRID compliant Change of Circumstances (COCs), Loan EsGmates (LEs) including State Specific Disclosures for the Mortgage Loan Originators
· Review loan applicaGon packages for completeness and accuracy, including but not limited to credit, income, assets and disclosures including required documentaGon from the customer and third parGes in support of the loan approval decision.
· AXenGon to detail. All documentaGon to be reviewed/pre-underwriXen prior to submission, clearing an underwriGng condiGon(s) and or clearing a funding condiGon(s).
· Submit full loan packages to registraGon, review and clear underwriGng condiGons within lock period. · Update LOS System (encompass or POINT) to reflect accurate informaGon.
· Responsible for calculaGng and analyzing income, assets and liabiliGes
· Responsible for calculaGng proper loan amounts so that clients are not short to close at docs.
· Communicate, prepare and mail out commitment leXer, noGce of incompleteness or declines for accurate HMDA reporGng
· Verifying and validaGng supporGng income, asset and liability documentaGon.
· Review and respond to excepGon reports, internal and external audits, as required by our OperaGon 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 documenGng file status, lock expiraGon and conversaGon log to track loan progress · Provide MLOs updates on file on a weekly basis
· Perform other related duGes as assigned or required, order VOE’S, VOM’S, credit supplements, appraisal, termite inspecGons. Whatever is needed to get the loan to fund.
· Establish great client relaGonship by rouGnely communicaGng with clients and by delivering excellent customer service
Work History:
• Sr. Loan Processor – 08/2018 – Current
1stVeteran Mortgage Inc. – Mission Viejo, CA 92691 - # show contact info
– Management - Steve Jones
• Sr. Loan Processor - 1/2015 – 8/2018
Blackrock Financial services Inc. - Mission Viejo, CA 92692 - # show contact info
Principals only. Recruiters, please don't contact this poster.