Sr. Loan Processor / QC Analyst
In the Industry since 1995. Most recently QC/ QA Auditor. My past experience consist mainly as a Sr. Loan Processor, Sr. Loan Coordinator & Sr. Account Manager, Team Leader and Processing Manager. As the first line of communication between Account Executives, Brokers & Loan Officers in operations and outside banks. I have excellent analytical, problem solving skills necessary to communicate with all levels of internal and external associates. I have the ability necessary to gather and interpret information to then implement developed and approved solutions. Reviewing, analyzing moderate to complex loans within company and industry guidelines and Pre-underwriting. My experience extends in all aspects of the mortgage industry, 1st & 2nd's Refinances, Purchases, FHA, Conventiona, VA, USDA, HARP and HELOC. As well as foreclosure, pre and post closed files.
I have 3 years of recent experience in Quality Control, assuring the validity of documents received including the review of title reports and appraisals. I have experience in all states. Very aggressive in terms of my job and deadlines. I am hands on and hardworking.
I am experienced as a team leader, working well as a team player and or on my own with little or no supervision. Meticulous, motivated, productive and multi-task oriented. Experienced in the following programs; DU/LP, Calyx Point, Empower, LexisNexis, Encompass, Prolender and Datatrac, Office, Word & Excel, FasTrack (most recently processing - imaging systems related to paperless processing)
ICM: 12/05/2012 - 05/17/2013 - Salary $50,005
Title: QC / QA Analyst, Location Orange CA
Review loan documents (Pre and post-closing) for errors prior to documents being released for final signing. Ensuring the Good Faith Estimate, disclosures and government and lender guidelines are followed within the file. This consisted of FHA, VA, USDA and HARP. Purchases as well as refinances. I was initially hired to review for quality control detecting potential fraud and or errors within loans with a focus on income, tax returns, collateral, property history and validity of documents. However; because of company restructuring the position was eliminated leading to my exit.
Paramount Residential Mortgage Group, Inc.: 10/05/2010 – 10/29/2012:
Title: QC Analyst, Location: Corona, CA
Review loan documents (Pre & Post) detecting potential fraud within the loan. Each file is reviewed and researched in depth ensuring the contents are within company and government guide lines. All documents within the file focusing on income, tax returns, bank statements and appraisals, ensuring the validity and approved purchase loans for government programs are not Non-Arms Length transactions. This includes the review of the following; Conventional, VA, FHA, HARP and USDA focusing on the insurability of all loans (these encompass wet and dry states). My experience also entails having used paperless and remote programs. While having focused on pre and post quality control (with a specific focus on fraud). Responding in an official format with evidence documenting the corrections and or findings were incorrect, to the 3rd party auditor for post-closed loans. Addressing from critical to minor findings with the goal of keeping within the government and lender guidelines. I have also had the opportunity to train within classes focusing on tax returns, validity and appraisal review.
Law Office of Norman Lewin, Esq. 02/2008 – 01/ 2009 (Company Closure)
Title: Processing Department Manager/ Sr. Negotiator
Location: Lake Forest, CA. Loan Modifications
Maintained pipeline of 150 plus files, Creating client financial portfolios for lender submission, Extensive client contact, Submitting work out packages to lenders, Working financials, Negotiating with Loss Mitigation and REO depts. with several banking institutions. Extensive foreclosure attorney contact. Aggressive in obtaining extension of NOS and NODs. (Attorney no longer doing Mods as of 01/01/09)
Self employed/ Contract Loan Processing: Since 03/01/2007- 02/2008:
Processed the following types of loan transactions; Hard Money, A-Paper, and Sub-Prime & FHA, Conventional, Purchase, Refinance, New Construction, Short Sales and Modifications.
Harbourton Mortgage Investment Corp. (Company Closure)
Job Title: Sr. Loan Processor/ Sr. Account Manager/ Texas Loan Specialist
Location: Irvine, CA Emp. Dates: 09/03/2006 - 12/20/2006
Proficiently handled both WET and DRY states. Prime and Sub-Prime, New construction, Refi’s and Purchases. I reviewed and signed off PTD (Prior to doc) conditions, should they have met the required qualifications and the pre-review of appraisals. Handled several Account Executives at one time as many up to 6 in which I kept an open line of communication with at all times. As well as all broker accounts related.
First Street Financial, Inc. (Company Closure)
Job Title: Sr. Wholesale Account Manager
Location: Irvine, CA
Emp. Dates: 10/12/2004 - 03/23/2006
Over site of several accounts with many brokers and working each file to its funding status. Working with multiple Account Executives to keep an open line of communication with broker accounts. Pre-underwriting new loans before submission. Assisting brokers with many situations and questions that may arise within the process of the loan functions. Verifying accuracy of documents received, Pre-reviewing conditions for underwriting clearance. Internal verifications for each file. Working Prime and Sub Prime. Assuring loans are locked. Refi’s, New Construction Loans and Purchases. Multi-State. Fulfilled funding conditions as needed.
Ameriquest Mortgage Corp. (Company Closure)
Job Title: Sr. Account Manager/ Sr. Loan Processor
Location: Orange, CA
Emp. Dates: 05/2002 - 09/2004
Pre- underwrote and Processed loans to their funded status. Reviewed appraisals, conditions and income to assure the items submitted where satisfactory to guidelines. Direct contact with Title and Escrow officers. Ordering of title and escrow. Drew final loan documents and arranged for final signing. Fulfilled all funding conditions as needed. Prime and Sub-prime. New Construction, Refi’s and Purchases. Multi State.
Investors Mortgage Funding, Inc. (Office Closure)
Job Title: Sr. Loan Processor/ Warehouse Line Coordinator
Location: Newport Beach, CA
Emp. Dates: 02 /2000 - 05/ 2002
Specialized in FHA loans, Processed in all aspects of Loans, Assistant to VP of Southern California Branches. Assured all guidelines required by investors are met in regards to the purchase of funded loans. Drew final loan documents and the setup of document signing. Attended many educational seminars with regard to FHA guidelines and state specific rules and requirements. Prime and Sub-prime, New Construction, Refi’s and Purchases. Multi State.
United Lending Group, Inc. (Company Closure)
Job title: Jr. Loan Processor & Senior Loan Processor
Location: Mission Viejo, CA / Irvine, CA
Emp. Dates: 09 /1995 - 02/ 2000
As a Junior Loan Processor, opened title and escrow, followed up on all conditions for prior to doc and funding. My main job was to assist the Senior Loan Processor in any way I could and at the same time learn as much as I could. I was promoted to a Senior Loan Processor in 1998. My duties where to pre-review appraisals, Conditions and income to assure the items submitted to underwriting where satisfactory to guidelines. I arranged for final signing. In addition, I followed my files through to funding status. Processed multi states, included Texas and New York.
REFERENCES AVAILABLE UPON REQUEST