Sr.Processor

• Jan 2017 - Present

Senior Loan Processor

• Jul 2016 - Jan 2017

Sr processor

• Jan 2015 - Jun 2016

To Underwriter

• Jun 2012 - Dec 2014

Responsibilities include underwriting residential loan applications according to various guidelines Review and clear complex underwriting and/or recommend alternative options to satisfy conditions for final approval and closing of loans and Implement quality control plans & procedures Research and analyze appraisals, credit reports, tax returns, bank/financial statements 3+ year experience in FHA loans Review loans with outstanding conditions and determine whether any adjustments or additional information is required prior to loan closing or clearing of file to close Approve, decline or counter-offer mortgage loans based on submitted loan documentation within required turnaround time Analyze loan applications using lender guidelines to determine appropriate loan for each borrower Underwriting residential loan applications according to various investors’ guidelines Research and analyze appraisals, credit reports, tax returns and bank statements. Review loan application and all documentation for qualifying purposes Discuss loans scenarios with brokers and account executives

To Loan Processor

• Aug 2010 - Jun 2012

Served as a liaison between the customer, sales representative, and the underwriting department from loan opening to closing. Handled the tasks of reviewing residential loan application file to verify the completeness of data and meets with the establish standards of the organization Prepared and sent all initial disclosures to borrowers per state and federal laws Pre-underwriting for loan applications to determine best loan program and investor Performed responsibilities of validating loans in automated underwriting systems including LP and DU and submit to underwriting Ordered all loan exhibits and reports (i.e., VOE's, VOD's, appraisal, title etc.) Responsible for ensuring clearance of all underwriting conditions Interfaced with attorneys and loan officers to ensure all documents were in place before closing date Responsible for setting up closing including scheduling with lenders, attorneys, title company and borrowers as well as requesting payoff letters when required. Post close review of all files to ensure compliance with state and federal laws.

To Manager / Senior Loan Officer

• Oct 2005 - Aug 2010

Responsible for new business development and building internal relationships with business partners of the mortgage bank, by referring opportunities to internal real estate partners, title company partners and attorneys Successfully, built and retained a book of business of 800 clients by maintaining excellent client relationships and cross selling mortgage banking products to penetrate clients’ networks Proactively set up seminars and client events with other line of business partners to keep clients up to date with product knowledge, overlook on today’s economy and overall real estate market Effectively developed external center of influences, such as attorneys, CPA’s, doctors, financial adviser and real estate agencies. Consistently participating in monthly meetings and events to maintain the referral relationships, updating everyone with new products and services that we offered Responsible for leading a team of sales professionals to meet and exceed sales goals and service targets. Successfully assembled prospect lists, lead outbound sales programs, reviewed mortgage bankers sales goals and results. Supervised and coached team on proper execution and relationship management. Assembled and produced reports for global and regional executives outlining results, pipelines, revenues by product and by mortgage banker. Presented status reports on meetings and monthly and quarterly reviews. Successfully recruited associates, the selection process, hiring and disciplinary actions. As loan officer; originated, processed and closed commercial, residential and construction loans in excess of over $33 MM Closed over $60 MM in retail loans value, annually for the branch

To Private Mortgage Banker

• Oct 2004 - Oct 2005

Entrusted with underwriting authority at Level 1. Underwrote mortgage loan applications and evaluated loans in order to maximize organizational profit and minimize risk or loss and monitored the appraisal process Responsible for the origination, processing of high quality, jumbo residential loans Approved or rejected consumer loans and control the process from start to finish Interviewed applicants to develop information concerning their loan needs, earnings and financial conditions in order to determine if the loan is an acceptable risk Presented with approval to underwrite loans of up to $3 MM Underwrote loans to variety of customer types including “salaried borrower” and “self employed borrower” Managed loans underwriting process: ordered titles, managed homeowners insurance, communicated with real estate agencies, lawyers, brokers, accountants and borrowers Closed loans in excess of $16 MM (originated $23MM ) Prepared all loans above $3MM for a 2nd review signature

To Loan Officer

• Sep 2001 - Oct 2004

Originated commercial, residential and construction loans Submitted loan files via AU, DO/DU/LP Prepared mortgage loan files by reviewing the loan application Reviewed analyzed and determined acceptability of documents/conditions in accordance with lender conditions Requested necessary supporting documentation to complete the loan process Provided accurate and timely statuses to brokers and other interested parties Communicated directly with borrowers to assist in determining their loan needs Prepared closing statements and scheduled closings Reviewed files to insure that all compliance requirements were met Participated in local business and community development activities Maintained a continuing relationship with existing customers to retain business and develop additional business