Experience

MLD Mortgage Inc./DBA The Money Store

• Banking
• 1 - 100 Employee

• Mortgage Loan Processor

  • Oct 2022 - Present



Atlantic Home Loans, Inc.

• United States
• Banking
• 1 - 100 Employee

• Senior Mortgage Processor

  • Feb 2016 - Aug 2022



Insignia Bank

• United States
• Banking
• 1 - 100 Employee

• Senior Loan Processor

  • 2015 - Jan 2016



NJ Lenders Corp - NMLS ID: 35286

• United States
• Banking
• 200 - 300 Employee

• Senior Mortgage Processor

  • Jun 2012 - May 2015

  -Analyzing all credit documentation the Loan Officers collect to produce a credit application. -Reviewing all necessary documentation to accept a loan application into processing. -Ensuring all loan documentation meets Fannie Mae, Freddie Mac, or FHA guidelines. -Review of income documentation to ensure the debt to income ratio meets necessary guidelines depending on the servicer that will be used. -Knowledge of Desktop Originator and Loan Prospector. -Order of credit reports through Universal Credit Services; Order of credit supplements when necessary for any open accounts, updated payments/balances, etc. -Reviewing and clearing of any underwriting approval/suspense conditions to complete the loan file to obtain a clear to close. -Knowledge of Conventional, Reverse, FHA, USDA, and VA processing. -Analyze all title and closing documentation necessary for the closing department. -Order of appraisals through appraisal firewall; ordering desk reviews, re-inspections, and field reviews when necessary. -Generating re-disclosures when there is a valid change of circumstance to the loan file. -Communication directly with the borrowers and Loan Officers when needing updated documentation and presenting them with any updates to their loan file. -Meeting closing objectives and goals every month. -Generating FHA case numbers, Core Logic flood certificates, condo questionnaires, LDP/GSA’s, Verifications of Employment (both written and verbal,) and SSN Veris. -Direct involvement with the Underwriter’s, Closers, and Post Closers to discuss any necessary action.



MetLife Home Loans

• United States
• Financial Services
• 700 & Above Employee

• Mortgage Specialist/Loan Processor

  • Jun 2009 - Jul 2012

  -Management of a loan pipeline from 20-50 loans at a time. -Analyze all incoming credit documentation for loan eligibility to submit to underwriting. -Review of appraisals, credit reports, titles, and FHA documentation -Knowledge of FHA processing. -Communication with the broker’s on a daily basis to ensure service level agreements are up to par and all conditions are satisfied. -Cultivated professional connections with the broker’s by delivering great customer service by keeping them pleased and satisfied. -Generating loan approvals and suspense letters. -Order of desk reviews for appraisals when necessary. -Knowledge of Interthinx Fraud Guard system. -Direct contact with the Underwriters to discuss any discrepancies and resolve broker or borrower concerns. -Receiving, reviewing, and clearing of conditions to complete the loan file, verifying all documentation is satisfying and accurate. -Ensuring all loans and documentation meet MetLife guidelines.