Residential Mortgage Loan Originator and Mortgage Loan Consultant/Mediator Resume , California - Hire IT People

SUMMARY:

Professional with experience in Legal, Real Estate, Mortgage, Finance, Insurance and Dispute Resolution.
Skilled in client interviews, negotiations, legal research, document review, financial analysis, underwriting guidelines for Confidential, Confidential, Confidential and Investors.
Experienced with investment strategies, strategic planning, real estate acquisitions and dispositions, project management, operations, business development, customer relations, and conflict resolution.
15 years experience processing and managing initial underwriting and appraisal reviews of residential loan files; including preparing and submitting loan qualification documentation and completing loan applications for various contracted/W - 2 companies.

PROFESSIONAL EXPERIENCE:

Residential Mortgage Loan Originator and Mortgage Loan Consultant/Mediator

Confidential, California

Responsibilities:

Assist COO’s & CFO’s with business expansion, underwriting and processing commercial and residential loan files, (including Confidential, Confidential, Confidential an Jumbo products) reviewing tax returns and analyzing financial statements for loan qualifications, completing federal 1003 home loan applications; Mediating consumer disputes.
Responsible for Confidential, Confidential, Confidential and Jumbo loan origination, loan processing, underwriting, reviewing prior loan Hud-1, Good Faith Estimates, Loan Estimates, Truth in Lending Disclosures, Loan Closing Disclosures and loan documentation
Loan origination A paper to sub-prime markets, commercial and residential purchases and refinances using various loan origination systems - Calyx Point, EllieMae Encompass, and proprietary software
Evaluate borrower's equity investment, credit history, liquid reserves, reliable and recurring income, and the cumulative effect that these and other risk factors have on mortgage loan performance.
Manage loan inquiries throughout California
Originate Purchase, Refinance and Home Equity Conversion Mortgages - Reverse Mortgages

Branch Sales Operations Manager

Confidential

Responsibilities:

Monitored and Managed Originator 50 million dollar monthly loan production pipeline within the branch taking action when necessary to resolve issues, included recommending process improvements, new policies and procedures to improve overall operations
Managed staff of loan officer assistants
Assisted with TRID requirements, reviewed loan estimates and closing disclosures via EllieMae Encompass
Issued DU loan approvals; assisted Realtors with Borrower purchase loans pre-approvals
Assisted with quality loan submissions to Underwriter
Contacted borrowers to collect necessary documentation; responsible for managing the customer experience and acted as a liaison between origination staff, operations staff, processors, underwriters, Realtors and customers - Included team-building, coaching, mentoring and counseling
Reviewed Quality Control and Post Closing/Secondary requests and resolved issues
Managed relationships between Loan Officers, closing, funding and third party service providers
Responsible for interviewing and hiring decisions, promotions and demotions.

Business Process Expert

Confidential, Santa Clara, California

Responsibilities:

Performed quality control review of underwriting decisions for various bank clients on closed loan files; Proactive in identifying underwriting mistakes, potential CFPB concerns and resolution.
Reviewed supporting documentation in a paperless environment via Ellie Mae Encompass for deficiencies to ensure loan quality and compliance with Confidential, Confidential and individual investor’s guidelines
Revised and developed mortgage compliance courses for mortgage staff training
Researched and summarized NMLS enforcement actions throughout the United States for mortgage staff training; ensured clients complied with required laws and regulations.
Maintained current knowledge of existing laws, statutes, regulations, ordinances, policies and procedures pertaining to real estate and mortgage lending

Internet Loan Executive

Confidential, Los Angeles, California

Responsibilities:

Directed multimillion-dollar portfolio of residential funding/refinancing initiatives for borrowers across 10+ states.
Championed process reengineering and quality concepts resulting in 10%+ productivity growth for staff of 150.
Achieved top 1% in sales managing Internet loan inquiries
Prepared/submitted loan qualification documentation; completed borrower 1003 applications, managed initial underwriting and appraisal reviews
Responsible for Confidential and Conventional 1003 loan origination, loan processing, reviewed Good Faith estimates, Truth in Lending Disclosures and loan closing documentation.
Managed voluminous internet loan inquiries throughout California and the United States