Experience

V.I.P. Mortgage, Inc.

• United States
• Financial Services
• 200 - 300 Employee

• Sr. Loan Processor

  • May 2022 - Present

  Processed conventional, FHA/VA, and jumbo (non-conforming) loan applications according to investor loan guidelines. Reviewed loan applications to analyze credit reports, compute income, and review assets. Work with loan officers, borrowers, and third-party providers to obtain pertinent documentation and submit a thorough, accurate, and complete loan package to Underwriting. Maintain control of the loan file, monitor dates for approval, appraisals, and closing to ensure that all deadlines are met in a timely and efficient manner. Identify and resolve challenges early in the process. Provide excellent customer service. Show less



Watermark Capital, Inc.

• United States
• Financial Services
• 1 - 100 Employee

• Sr. Loan Processor

  • Jul 2017 - May 2022

  Processed conventional, FHA/VA, and jumbo (non-conforming) loan applications according to investor loan guidelines. Reviewed loan applications to analyze credit reports, compute income, and review assets. Work with loan officers, borrowers, and third-party providers to obtain pertinent documentation and submit a thorough, accurate, and complete loan package to Underwriting. Maintain control of the loan file, monitor dates for approval, appraisals, and closing to ensure that all deadlines are met in a timely and efficient manner. Identify and resolve challenges early in the process. Provide excellent customer service. Show less



Homeowner Financial Group, USA, LLC

• Escondido, California, United States

• Sr. Loan Processor

  • Oct 2014 - Jul 2017

  Processed conventional, FHA/VA, USDA, and jumbo (non-conforming) loan applications according to investor loan guidelines. Reviewed loan applications to analyze credit reports, compute income, and review assets. Work with loan officers, borrowers, and third-party providers to obtain pertinent documentation and submit a thorough, accurate, and complete loan package to Underwriting. Maintain control of the loan file, monitor dates for approval, appraisals, and closing to ensure that all deadlines are met in a timely and efficient manner. Identify and resolve challenges early in the process. Provide excellent customer service. Show less



OneTrust Home Loans

• United States
• Financial Services
• 100 - 200 Employee

• Sr. Loan Processor

  • Jan 2014 - Oct 2014

  Processed conventional, FHA/VA, and jumbo (non-conforming) loan applications according to investor loan guidelines. Reviewed loan applications to analyze credit reports, compute income, and review assets. Work with loan officers, borrowers, and third-party providers to obtain pertinent documentation and submit a thorough, accurate, and complete loan package to Underwriting. Maintain control of the loan file, monitor dates for approval, appraisals, and closing to ensure that all deadlines are met in a timely and efficient manner. Identify and resolve challenges early in the process. Provide excellent customer service. Show less



Academy Mortgage Corporation

• United States
• Financial Services
• 700 & Above Employee

• Sr. Loan Processor / Office Manager

  • May 2011 - Jan 2014

  Processed conventional, FHA/VA, USDA, HomePath, and CHDAP loan applications according to investor loan guidelines. Reviewed loan applications to analyze credit reports, compute income, and review assets. Work with loan officers, borrowers, and third-party providers to obtain pertinent documentation and submit a thorough, accurate, and complete loan package to Underwriting. Maintain control of the loan file, monitor dates for approval, appraisals, and closing to ensure that all deadlines are met in a timely and efficient manner. Identify and resolve challenges early in the process. Provide excellent customer service. Managed the office facilities and operations. Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• Home Services Specialist II

  • Dec 2003 - May 2011

  Processed conventional and FHA/VA loan applications according to investor guidelines. Reviewed loan applications to include analyzing credit reports, income, and asset documents. Communicated with various entities such as bank, escrow, appraisal management companies, and clients. Strategically advised clients regarding suitable loan programs and processes. Specialized in first-time homebuyer loan programs for low-to-moderate income borrowers. Provided pricing and terms for mortgage loan origination. Obtained pertinent credit documentation and analyzed creditworthiness. Developed and enhanced relationship with realtors, builders, and other business partners through marketing campaign efforts. Maintained client database in excess of 450 clients. Supported branch manager in the day-to-day management of a retail lending high producing branch. Assisted in branch manager's personal loan origination, pipeline management, and marketing efforts. Demonstrated sound judgment when faced with requests, demands and deadlines in senior management's absence. Project manager for branch remodel and expansion serving as a point of contact for internal and external consultants, vendors, and business partners which resulted in a smooth relocation transition for the sales and operations personnel. Show less



Bridge Capital Corporation

• United States
• Financial Services

• Pricing Analyst / Loan Operations Manager

  • Mar 2003 - Nov 2003

  Consulted at a small, start-up branch for a mortgage broker. Performed as the Loan Operations Manager. Responsibilities included setting up the processes, procedures, and establishing protocol for all states of wholesale loan origination to include loan processing. Mitigated risk by ensuring compliance with corporate, regulatory, and other lending entities/investors. Gathered pertinent loan documentation to clear conditions for the processing and closing of residential mortgage loans. Aligned loan programs to meet customer needs and structured the loan pricing accordingly. Reviewed and packaged loans for underwriting. Show less



JPMorgan Chase & Co.

• United States
• Financial Services
• 700 & Above Employee

• Compliance Officer, AVP / Sr. Compliance Analyst

  • Sep 1998 - Feb 2003

  Compliance Officer, AVP (2001-2002): Managed the Regulation O compliance process that included file reviews and analyses of loans along with the compilation of quarterly reports of Insider loans for regulatory call reports. Facilitated the OFAC (Office of Foreign Assets Control) review process to ensure compliance with economic sanctions imposed by the U.S. government. Monitored the HUD Audit process, reviewed the adequacy of the documentation and responses provided for audit findings, and made recommendations on the content of the responses. Edited and published the CHF Examiner, a newsletter of the Chase Home Finance Corporate Compliance Department. Senior Compliance Analyst (1998-2001): Managed the HMDA compliance activities and filed the HMDA/CRA report consisting of more than 500,000 records with regulatory agencies for seven (7) corporate legal entities. Filed Suspicious Activity Report (SARs) with the Financial Crimes Enforcement Network (FinCEN) and Internal Audit. Served as a point of contact for law enforcement and regulatory agencies (e.g., FBI, IRS). Identified areas for staff training and development to mitigate process deficiencies and risk. Performed risk-based Fair Lending and Broker Pricing compliance of audit work papers. Composed effective recommendations for solutions to identified problems to prevent potential discriminatory patterns and practices. Developed a file tracking database that expedited the ordering and tracking of large quantities of loan files, which aided in the efficient reconciliation of and safeguarding of loan records inventory used for audit purposes. Show less



Provident Bank

• Banking
• 1 - 100 Employee

• Sr. Business Analyst / Internal Auditor

  • Feb 1996 - Aug 1998

  Coordinated the planning, analyzing and performing field work involved in internal audits of various business functions of a bank to include savings, lending, and operations to measure the adequacy of internal controls for operating efficiency and effectiveness, financial information and compliance to laws and regulations. Exercised professional auditor judgment in the development of the scope of audit work-programs, risk analysis, test-work, documentation, and preparation of timely audit reports for executive and senior management delineating findings and exposures along with providing effective recommendations to prevent recurring problems. Show less



National Home Mortgage Corp.

• San Diego, California

• Treasury Operations / Senior Accountant

  • Oct 1993 - Nov 1995

  Managed the daily treasury operations and cash management functions of a mid-sized mortgage company that serviced more than $7 billion of mortgage loans, with an annual loan production volume of $3 billion. Administered a $75 million revolving line-of-credit facilitated through DLJ (Donaldson, Lufkin and Jenrette) Whole Loan Financing for single-family residential mortgage loans sold or securitized in the secondary market. Developed and implemented policies and procedures that provided better controls and increased efficiency for all aspects of the treasury operation for a mortgage bank. Show less



HomeFed Bank

• San Diego, California

• Sr. Accountant / Financial Analyst

  • Sep 1987 - Oct 1993

  Compiled pro forma and statistical information and prepared reports for management and financial reporting purposes while maintaining data integrity, which aided management in monitoring production and financial activities. Conducted financial and production trend analyses, interpreted financial data and performed portfolio stratifications as related to the single-family residential lending business performance. Developed an extensive comparative analysis of delinquency trends that had a major impact on senior management's decisions in loan pricing, product management and ongoing training concerns, Show less



CENTURY 21® Arnold Realty

• National City, California

• Real Estate Agent

  • Jan 1986 - Sep 1987



HomeFed Bank

• San Diego, California

• Loan Servicing Specialist / Merger Coordinator

  • Oct 1979 - Jan 1985