Residential Mortgage Specialist





Exceptionally dedicated, proactive and results-driven Mortgage Banking Professional with high level of integrity and commitment to excellence in every endeavor. Recognized for possessing concrete customer service skills, outstanding relationship building talents, and complete understanding of general mortgage industry policies and procedures, particularly regarding processing and settlement pieces. Demonstrated success, leading team members by creating cohesive and consistent methodologies within department and across all levels of staff. Consistently address clients with respect and compassion; possess extensive knowledge of and commitment to assisting customers to the best of my abilities, as well as a desire to lead others toward meeting goals and objectives by utilizing firm's vision while always operating within established core values system.



Strengths and Abilities



Relationship Cultivation Multitasking Problem Resolution

Team Leadership Policy Creation Communication Skills



Professional Experience





COUNTRYWIDE HOME LOANS, San Diego, California 4/05 – Present

Underwriter Associate

Manually underwrite AUS refer loans to program guidelines

Manage blended pipeline of builder/branch and telemarketing sourced loans

Work alongside team manager to create new workflows for team

Manage team in absence of team manager, including daily reports and overall funding goals

Train with team manager in the even the position is available for me to step into



Home Loan Processor/Loan Specialist II

Process home loans for top producing loan officer in Southern California Region

Focus on Builder-Business/New Construction with same-client refinance & referral business

Same month settlements with document preparer by 20th of calendar month

Proficient in CHL’s AUS, CLUES, used for basis of FNMA’s DU.

AUS Approve/Accept underwriting delegation; 24-hour approval turn-time for most loans

Maintain working relationship with area builder through joint venture efforts established by CHL

Process for multiple developments simultaneously





COUNTRYWIDE HOME LOANS, Fairfax, Virginia 1/05 – 4/05

Residential Home Loan Closer

Generated settlement instructions and documents in a timely manner for real estate closings, many last minute

scheduling or rushes.

Month-end daily settlement average of nearly 20 loans.

Reviewed HUD-1 Settlement Statements to ensure monies collected are accurate and represent the transaction

correctly.

Transitioned closed loans to Corporate Servicing Department following disbursement.

Tracked both incoming and outgoing disbursements through the company’s wire database.















CHASE MANHATTAN, Falls Church, Virginia 7/04 – 1/05

Senior Closer

Reviewed preliminary title work to ensure providers and terms meet company guidelines.

Approved HUD-1 Settlement Statements prior to releasing loan documents to ensure accuracy.

Closed retail home mortgage loan, including Conventional, FHA and VA loans for immediate region.

Funded over $500,000 in retail home loans daily.













WASHINGTON MUTUAL BANK, FA, Fairfax, Virginia 3/02 – 3/04

Senior Loan Coordinator

Managed a $30 million pipeline with monthly average closings of 70.

Maintained relationship with brokers for one of the top producing Account Executives in the mid-Atlantic

Region.

Interact closely with underwriters to comprehend program guidelines for satisfying outstanding underwriting conditions.

Review preliminary title work to ensure providers and policies meet company guidelines.

Generate accurate and timely loan documents for closing attorneys and responsible for loan disbursements.

Organize all closed files for the post-closing department within 1 day of disbursement.

Loan Setup Coordinator

Completed an average of 20 new loan set-ups daily for underwriting review consisting of data entry, RESPA

Disclosures and Flood Zone Determination.

Post Closing

Audited and average of 15 closed files for shipping to investors, exceeding daily requirements.

Shipped collateral package for Conventional, HELOC, FHA and VA loans to investors within required time

frame.

Guaranteed and Insured FHA loans through HUD’s online application.







Computer Competencies

Microsoft Windows XP Internet Navigation Skills Microsoft Office Professional

Lotus Notes AS400 Internal Lender Loan Servicing Software

MAC OS X AUS CLUES AUS DU







References

~ Professional and Personal References Furnished Upon Request ~