OBJECTIVE 
Long term, career position in a team oriented corporate environment. Open to new paths in the Mortgage Loan Industry. A position with a stable firm and the ability to excel are most desirable.

SUMMARY OF QUALIFICATIONS

• Top-notch Loan Professional with 14 years experience in Mortgage Financing.
• Outstanding productivity as a Loan Officer, Closer, Processor and Supervisor.
• Unique combination of expertise in mortgage training, sales, and finance. 
• Dynamic leader and team builder, consistently motivating others toward success. 
• Efficient task manager and upbeat can do attitude.
• FHA, VA Specialist. 
• Excellent knowledge of Conventional Financing including USDA. 
• Extensive knowledge of Lender Programs and guidelines. 
• Bond and Special Programs savvy, including; 203KS, MAP/Enterprise, MCC- TDHCA 
• AU-DO/DU,LP and Lender AU Engines 
• Excellent ability to interact positively with people of diverse backgrounds
• Excellent verbal, written and interpersonal communication skills

EXPERIENCE

04/2012- Present Confidential
Pre-Closing Auditor/Quality Assurance
Audit prefunding file by use of checklist to ensure critical data is correct, critical documents are correct, and that required documentation necessary for products and/or investor are completed. 

• Verify the accuracy of the documents. This would include the credit package and collateral documents in accordance with the investor or product guidelines.
• Review, analyze, and correct (or have to be corrected) documents within the pre-closed loan file to ensure document and system are in sync, documents are correct according to RESPA guidelines, and are in compliance with guidelines set forth by GSE investors or Wall Street firms for sale into Secondary Market. 
• Make decision regarding the acceptability of the file to ensure compliance of documents for closing/funding and reduce downstream deficiencies.
• Work with the processors, closers, title companies, and borrowers to clear all deficiencies within file and documents. All deficiencies must be cleared prior to closing/funding of the loan.
• Track and report all deficiencies. Compile all deficiencies for trending.
• Create deficiency report on loans to be shared with senior leaders of Consumer Service Operations for training purposes.

09/2011- 03/2012 Confidential
Mortgage Loan Specialist/Quality Control Auditor
Responsible for analyzing and reviewing mortgage loan credit applications to determine if the loan meets the guidelines set by the Bank, investors, standard guidelines established by
FNMA, FHLMC, USDA, VA and FHA. Verify accuracy of mortgage loan file data using electronic and hard file information. Provide tracking and reporting of quality control findings

11/2010- 09/2011 Confidential
Branch Loan Coordinator
Coordinate Loan Files. Liaison between all parties involved in the loan transaction. Assist Borrowers with loan requirements and provide service to ensure fast and effective closings. Process all loans for the Branch.

06/2006- 04/2009 Confidential
Branch Loan Coordinator 
Liaison between Realtors, Borrowers, Title Co’s, Appraisers etc. 
Managed, processed and closed all loans in the branch’s pipeline. Daily contact with Agents, Lenders, and Title Companies answering all questions related to loans currently in progress and informing all parties of any follow-up requirements. Maintained detailed records of all contact with all parties including emails sent and received, telephone conversations, and hard copy correspondence. Assisted Loan Officers with marketing, originating, credit counseling, loan applications, and obtaining loan products and tools from Lenders. Spanish translator.

07/2005- 5/2006 Confidential 
Processor/Closer
Consistently, processed, closed and funded 40-50 loans per month. Assisted loan officers, with originating, loan applications, finding the right program for the borrowers. Processed Refinance and Purchases. Drew closing documents and sent to title co’s/closing offices. Reviewed Hud-1’s and authorized closings and fundings
Spanish translator.

08/2004- 06/2005 Confidential 
Processing Manager 
Supervised team of 5 loan processors and closers. Coordinated loans and was point of contact for all loan officers, realtors and title companies. Assisted loan officers with Hispanic borrowers during loan applications and closings. Held weekly status meetings, and tracking reports. Attended workshops and seminars and provided training of new loan products or tools to the staff.

09/2002- 07/2004 Confidential 
Loan officer, Marketing & Business Production Coordinator & Processor
Marketing representative for all Hispanic Loans. Originated loans. Was senior loan processor, and processed, closed and funded up to 35 loans per month. Reviewed Hud-1’s and authorized closings and fundings. Attended closings to serve as Spanish Translator.

02/1999 – 10/2002 Confidential
Loan officer Assistant, Loan Processor, Processing Dept. Manager
I started as an L.O. Assistant, and worked my way into processing. As the branch grew, I became manager of the processing department. Supervised processors and helped with overflow of files. Held weekly status meetings, and tracking reports. Attended workshops and seminars and provided training of new loan products or tools to the staff. Performed Quality Control on files before loan cleared to be closed. 

07/1997 -02/1999 Confidential 
Loan Officer Assistant
Assisted loan officer in making copies, and setting up disclosures packages. Provided customer service to borrowers. Assisted processor with obtaining documentation from borrowers.

SKILLS
Proficient in Spanish,Calyx Point, Encompass 360, Byte, Docu/Datatrac, Windows: Microsoft Word, Excel, Access, and PowerPoint. Internet proficiency (HTML,) Fire Fox, Adobe, Type 65 WPM

EDUCATION 
Loan Originator Certification