SUMMARY:

• Over ten years of experience in home loans and loan modifications, organizing workload and priorities for maximum quality and accomplishment in minimum time, planning, coordinating, and handling a myriad of details.
• Analyze and plan workload.
• Proficient in human relations, oral and written communications at all levels.
• Flexible, self - motivated and consistently willing to extend the extra effort success requires.

TECHNICAL SKILLS:

• Microsoft Office Suite
• Alltel
• Optis
• MS Outlook
• LoanWorks
• Contour
• DocMagic
• Edge
• Lotus Note
• LoanPro
• Encompass
• Empower

PROFESSIONAL EXPERIENCE:

Confidential, Brea, CA

Corporate Funder

Responsibilities:

• Knowledge of TRID. FHA, VA, FNMA and FHLMC guidelines along with the title commitments, hazard, and flood insurance policies.
• Review Loan file to ensure Confidential and completeness prior to funding.
• Ensures all the closing conditions and prior to funding conditions are meet.
• Adhere to confidentiality policy, code of ethic and follow all policies and procedures relative to Consumer Compliance laws and regulation.

Funder

Responsibilities:

• Review loan documents for Confidential as well as State, Federal and Company regulation.
• Fund Wet and Dry State loans. Review Loan Approval, 1008, 1003, Credit Report, Title and Appraisal. Confirm all Underwriting conditions have been meet.
• Verification that all requirements of the loan process have been meet prior to wire of funds.
• Keeps information accessible by sorting, organizing, and filing documents.
• Maintains customer confidence by keeping the loan information confidential.
• Verifies compliance as it relates to TRID, pricing of loan - Rate, Points, Fees, APR state restriction. Ensure timely delivery of funded loan file for purchase. Clear outstanding condition given by shipping, collateral or servicing department. Ability to meet deadlines consistently.

Funder

Responsibilities:

• Review and approve HUD-1 Settlement statement from closing agent/escrow.
• Review the signed loan documents and credit package for Confidential and for compliance with federal and state law as well as company policies.
• Follow-up with broker for outstanding conditions.
• Complete verification of employment as required by published procedures.
• Balance funds to ensure correct wire amount.
• Follow-up with closing agent for final settlement statement and validate that there are unauthorized changes to the final HUD.
• Consistently meet or exceed established minimum productivity levels as determined and required by management.

Funder/Customer Relationship Manager

Responsibilities:

• Fund conventional and government home loans. Provide excellent customer service.
• Resolve diverse issues including but not limited to escalations, liquidation, deed in lieu and short sale.
• Present solutions based on individual customer’s needs. Communicate realistic customer expectations.
• Discuss alternative exit strategies. Create, maintain and track customer files pertaining to modification process milestones with significant follow-up required.
• Exchange information on pending matters and escalate issues to appropriate business partners as directed.
• Implement procedures to meet production deadlines. Serve as a liaison to administrative areas within the bank.
• Manage relationships within the internal department and with business partners. Adapt to an ever changing, fast pace environment.
• Ensure compliance with federal laws and company guidelines in order to minimize loan losses and legal concerns.
• Monitor trial payment. Perform collection routines during trial period and follows the customer’s loan to a successful, permanent loan modification.
• Attend outreach events in local market. Responsible for other related task as directed by management.
• Travel to remote locations in order to assist with other offices or support events.
• Detail oriented problem solver and values teamwork and embodies the Confidential spirit and customer delight principles.

Loan Funder

Responsibilities:

• Concentrate in funding loans using imaging in order to maximize the efficiency of funding mortgage loans to meet goals with exceptional record of audit pass.
• Funder acquires the ability to multi-task; provide excellent customer service.
• Review signed closing package in a timely manner. Interact with account executives, brokers, underwriters, escrow officers and service support specialist in order to fund in a timely manner.

MLO-Post Closing Specialist

Responsibilities:

• Fund conventional and government home loans. Collect post-closing documents.
• Obtain underwriter signoff prior to funding.
• Conduct audit of complete signed closing package upon return from closing agents.
• Initiate wires, interfaces with loan processors, team managers, loan officers, escrow agents and Title Company to make sure loan are funds in a timely manner.

Venture Funding/Post Closing

Responsibilities:

• Maintain a thorough working knowledge of company and regulatory changes that affect the funding process.
• Review HUD-1 against DFC and TIL to ensure prepaid finance charges are accurately disclose.
• Collect post-closing document conditions; obtain Underwriter sign off prior to funding.
• Follow up on return of signed closing documents.
• Conduct audit of complete signed closing package upon return from closing agents.
• Initiate wires. Interfaces with Loan Specialist 1 & 11, Title Agents to ensure closing in a timely manner & that all prior to funding conditions are met. Fund Conventional Loans, HELOC, FHA, VA, CALHFA, & CALPERS.