Experience

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  Arvest Bank

  • 530 Main St. Parc Center Tulsa, OK

  • Senior Mortgage Processor

    • May 2014 - Present
    • 530 Main St. Parc Center Tulsa, OK

    Thorough knowledge of processing all loan types : Conv, FHA, VA , USDA, RD loans; 184 OHFA, OK, AR & MO Bond loans, Jumbo Loans Review and underwrite residential property appraisals according to standard appraisal guidelines. Ensure integrity of source and data being communicated to all applicable electronic systems (i.e. Desktop Underwriter, E3, Encompass, FHA Connection, VA WebLGY, Guaranteed Underwriting System (GUS), Bond Authorities, Mortgage Insurers, etc.).Update and re-work loan files and loan conditions as directed by the automated underwriting system.Prepare and approve loan requests for closing.Maintain knowledge of current agencies, mortgage insurance companies and regulatory guidelines and underwriting practices by attending training classes provided by FNMA, FHA, VA, RD, MBA, etc. Respond to loan officer and/or assistant questions about various loan scenarios, documentation and guideline requirements.Address post closing issues with Lender Insuring or other,agency government and private entity review.

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  Bank of Oklahoma

  • Tulsa, Oklahoma Area

  • Loan Processor

    • 1999 - May 2014
    • Tulsa, Oklahoma Area

    Monitors and reconciles all incoming mail and/or alternate documentation for accuracy, making appropriate calls & emails to customers or institutions for verifications ; Input or validates all data in system and review any discrepancies with initial loan applications.Thorough knowledge of all VA, FHA, Conventional, 184, USDA and Bond programs in MI, KS, AR and OK;Responsible for assuring compliance with FHA/VA, FNMA and FHLMC underwriting guidelines. Analyze all disclosures and documents for loan submission. Requests loan documentation, credit reports, flood certifications, appraisals and mails verification forms; communicate with title companies. Conducts regular follow up with outside sources of outstanding documents. Tracks and inputs all HMDA data and reviews for accuracy. Receives and handles approximately 20-30 incoming “status” calls from buyers/realtors/builders/title companies.Inputs FHA and VA appraisals into automated system, inclusive of detailed information for property. Faxes copy of appraisals and conditions to Realtor/builder. Inputs data in system for flood determination; prints and reviews certification. If additional review needed, processor to provide documentation & follow-up.Inputs approval or declination information into computer system. Reviews underwriting conditions. Issues loan commitment letter and forwards to borrower’s agent / builder. Reviews and responds to monthly Adfitech reports. Processor to obtain file and documents, make corrections as needed. Documents receipt of application fee checks. Logs all invoices and checks received on loans in process form. Reconciles prior to loan submission / busted file.Follow Reg B & Reg C regulations on files files. Reviews files, reconciles L.I.P., prepares ECOA to be sent to customer and updates system. Reconciles loan status reports in timely manner. Follow Fraud investigations and attention to details on a file.

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  Equifax CSC Insurance

  • Mt. Laurel, New Jersey

  • Research Analyst

    • Mar 1989 - May 1991
    • Mt. Laurel, New Jersey

    Communicating with clients to understand and document the business objectivesFormulating analysis plans and acquiring client sign-offDesigning or assisting in the development of questionnaires and moderator guides to ensure the necessary data is capturedConducting in-depth data analyses using traditional and advanced methodsAuditing reports containing actionable recommendationsReview complaints from state of New Jersey insurance department

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  University of Central Oklahoma

  • Training Assistant

    • 1987 - 1989

    Trained and gave tests to Maintenance Employees on Yearly OSHA guidelines