SUMMARY:

• Create Customer profile for conversion and new accounts
• Financial /Collateral Booking, Closing and Funding
• Create, set up and maintain billing schedule, Pricing options, Risk and Credit Rating and client records for Commercial RE
• Liaising with escrow companies, lenders, home inspectors and pest controllers
• Coordinating and perform due diligence on prospective investments/acquisitions to assure facility is paid prior to obtaining approval for collateral release
• Excellent communication, customer service, learning and training skills
• Assisting clients with property sales and development
• Preparing and Interpreting legal documents including listings and sales
• Analyzing market trends to determine competitive market
• Liaising with escrow companies, lenders, home inspectors and pest controllers
• Coordinating property closings and overseeing document
• Participated in Open Houses in the local market to sell properties
• Educated buyers and sellers with all aspects of the housing market
• Provide exceptional Customer care and service

SKILL:

• Excellent communication, interpersonal and public relations skills
• Strong organizational skills and ability to prioritize workload; effectively changing priorities as the need arises
• Excels at multi - tasking in a fast-paced environment while completing projects within time constraints
• Can independently analyze and resolve issues
• Ability to identify and implement process improvements
• Excellent level of accuracy and attention to detail
• Capable of learning and adapting quickly in an ever-changing environment

PROFESSIONAL EXPERIENCE:

Confidential

Business Analyst

• Create Customer profile for conversion and new accounts
• Financial /Collateral Booking, Closing and Funding
• Create, set up and maintain billing schedule, Pricing options, Risk and Credit Rating and client records for Commercial RE
• Liaising with escrow companies, lenders, home inspectors and pest controllers
• Coordinating and perform due diligence on prospective investments/acquisitions to assure facility is paid prior to obtaining approval for collateral release
• Excellent communication, customer service, learning and training skills

Confidential

Realtor/Sr Account Manager-Wholesale

• Assisting clients with property sales and development
• Preparing and Interpreting legal documents including listings and sales
• Analyzing market trends to determine competitive market
• Liaising with escrow companies, lenders, home inspectors and pest controllers
• Coordinating property closings and overseeing document
• Participated in Open Houses in the local market to sell properties
• Educated buyers and sellers with all aspects of the housing market
• Provide exceptional Customer care and service
• Analyzed loan applications, documentation and property specifications
• Implemented sound loan decision based on policies, guidelines and credit risk procedures
• Ordered and reviewed documents such as credit reports, Titles, loan application, appraisals, disclosures and verifications
• Performed Quality Control for Processing team file prior to and after Underwriting
• Processed a pipeline of approximately 60 loans
• Assisted in training new hires and team members to aid in increasing volume, loyalty and moral

Confidential

Sr Processor

• Process personal pipeline ranging from 40 to 60 loans (peek personal pipeline)
• Analyzed DU/LP findings and determine what bare minimum documentation is necessary for each case by case loan file
• Ability to analyze income, tax returns, bank statements, and credit reports
• Skill set to recognize when a situation requires large deposit sourcing, gift funds to be documented, and balance reduction due to unverifiable transactions (cash deposits, unsecured deposits, cash advances)
• Restructured loans once a change of circumstance occurs
• Prepared and verified closing documents during the completion of the transaction
• Reviewed new loans within 48-business hours
• Respond to customers emails and phone calls

Confidential

Sr Mortgage Processor

• Process personal pipeline ranging from 25 to 36 loans
• Processing Conventional, VA and VA IRRRLS
• Review Loan Estimate (LE) and Closing Disclosure (CD)
• Run and analyze AUS(DU/LP)
• Developed an efficient loan flow and process, streamlining and saving a great amount of money and training for the company
• Identify and completed extensive loan process functions for all “Problem” and conditioned files
• Gathered information and processed each file from pre-approval to closing
• Input proper loan information into the system for processing, including Income worksheet and Condo questionnaire
• Provided customer service while remaining a top producing employee
• Assisted in Closing as directed
• Reviewed approved mortgage loans to determine if conditions were met prior to closing, such as purchase of private mortgage insurance

Confidential

Loan Set up/Submission Processor/Loan Processor

• Process personal pipeline ranging from 40 to 73 loans
• Calculated income worksheets and ran/reviewed AUS (DU/LP) findings
• Capable to analyze DU/LP findings and determine what bare minimum documentation is necessary for each case by case loan file
• Ability to analyze income, tax returns, bank statements, and credit reports
• Skill set to recognize when a situation requires large deposit sourcing, gift funds to be documented, and balance reduction due to unverifiable transactions (cash deposits, unsecured deposits, cash advances)
• Restructuring loans once a change of circumstance occurs
• Compliance reviews to satisfy the Confidential, and Confidential Selling Guides along with company overlays
• Communicating effectively with all parties; borrowers, sellers, realtors, title company, notary
• Ability to re-disclose a Loan Estimate in which the scenario requires such
• Communicate with 2nd lien holders for subordinations
• Assisted in Closing whenever needed
• Assisted in training new hires and team members in newly implemented system and increased volume, loyalty, moral and profit

Confidential

Set up / Processor

• Submitted approved mortgage loan files to closing for settlement and assisted with closing process
• Knowledge of regulatory requirements, including but not limited to Real Estate Settlement Procedures Act (RESPA)-Regulation X, Truth-in-Lending Act (TILA)-Regulation Z
• Validated all parties to the mortgage loan are not shown on either HUD’s Limited Denial of Participation (LDP) or the General Services Administration (GSA) list of parties excluded from federal procurement or non-procurement programs
• Maintained written status of documents needed to clear approval conditions and communications with borrowers to obtain this documentation
• Adhered to all applicable internal NPI policies and procedures and protected the confidentiality of borrower information
• Obtained government loan case numbers (FHA Connection) and Certificate of Eligibility for Veterans Administration (VA) loans
• Trained teammates and co-workers in new and re-developed material and system operations to ensure a substantial increase in knowledge, productivity and volume to exceed financial expectations of company