Ruben Mesones
Mortgage Banker at Severn Bank- Claim this Profile
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Bio
Experience
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Formerly Severn Bank - Shore United Bank
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United States
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Banking
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1 - 100 Employee
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Mortgage Banker
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Mar 2018 - Present
Meet with borrower's by phone, internet, face to face to obtain all basic borrower documentation for mortgage application Order credit reports, required verifications, flood certification, appraisal, title, title fees, hazard insurance and payoff statement as needed. Able to assist borrower's with increasing their credit score. Prepare and maintains loan files in accordance with standard policies to ensure completeness and accuracy in Empower software and Encompass. Enter all necessary information into loan system Meeting all RESPA, HMDA and TILA guidelines/timeframes. Review and complete all checklists. Stack loans and upload all loan files for submission in ADS for processing. Ensure compliance with federal, state, company and investors guidelines. Assist LO’s with marketing leads and tracking. Assist LO’s with communication between all parties to set closing times meeting contract timelines. Organize and track all tasks in order to insure completion in a timely manner. Assist in maintain correspondence between all parties: Borrower's, Loan Officer, Title Company. Work with LO's, Processor and Underwriters to get loan closed in a timely manner Show less
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PrimeLending, A PlainsCapital Company
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United States
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Financial Services
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700 & Above Employee
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Mortgage Loan Officer
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Sep 2017 - Feb 2018
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Embrace Home Loans
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United States
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Financial Services
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400 - 500 Employee
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Branch Manager Assistant
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May 2013 - Jun 2017
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BB&T
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United States
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Financial Services
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700 & Above Employee
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Relationship Banker
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Sep 2006 - Sep 2012
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Education
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Montgomery College
General Studies