SKILL SUMMARY: * Management*Licensed Realtor* Licensed Notary * FHA* VA* Sub- Prime* Wholesale* Retail* Title* *Short Sales* REO/BPO *Customer Service* Sales * Leadership* Office Support* Employee Training* Delegation * Decision Making* Loan Processing * Credit Verification * Computer * Accounting* Bookkeeping * Working Well Under Pressure & Deadlines US Mortgage of Florida Boca Raton Senior Processor 2015 to Present Sending out initial disclosure, verifying all details of mortgage application are accurate, confirm terms with borrower, make initial credit decision, send out approval letter, review all conditions, title appraisal, prepare loan for final approval, keep loan officer and borrower updated thru out process, approve Digital Risk Boca Raton Senior Processor 2014 to 2015 Manage pipeline of conventional, government, and/or portfolio loans. Evaluate loan documentation, calculate income, review assets, and analyze liabilities and clear conditions per delegated authority. Process all loans types including conventional, FHA, VA, HARP, Homepath Validate automated underwriting decision per delegated authority. Maintain high level of customer service by being proactive in communicating with the borrowers and loan originators. Ensure accurate, complete, and timely loan data on processing system. Actively participate in ongoing efforts to continually improve customer service for internal and external customers. Review exception reports to ensure all tasks are completed. Serve as an intermediary for loan issues with Loan Originators and other related departments. Assist in training new hires. Maintain knowledge of Primary Residential Mortgage Company's policies and procedures. Perform any other duties as assigned. HUD, SASE Authority Primary Residential Mortgage Fort Lauderdale Senior Processor 2013 to 2014 Manage pipeline of conventional, government, and/or portfolio loans. Evaluate loan documentation, calculate income, review assets, and analyze liabilities and clear conditions per delegated authority. Process all loans types including conventional, FHA, VA, HARP, Homepath Validate automated underwriting decision per delegated authority. Maintain high level of customer service by being proactive in communicating with the borrowers and loan originators. Ensure accurate, complete, and timely loan data on processing system. Actively participate in ongoing efforts to continually improve customer service for internal and external customers. Review exception reports to ensure all tasks are completed. Serve as an intermediary for loan issues with Loan Originators and other related departments. Assist in training new hires. Maintain knowledge of Primary Residential Mortgage Company's policies and procedures. Perform any other duties as assigned. Bayburg Financial LLC Fort Lauderdale Senior Processor 2012 - 2013 Process loans from set up to submission, from conditions to close. Review residential loan application, verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment.. Submits mortgage loan application files for underwriting approval. Organizes closings with borrower, lender and Title Company. Sends closing numbers to lenders and checks settlement statements for accuracy. Financial Triangle Hollywood Senior Processor 2011 - 2012 Process and prepared for closing retail mortgage loans (conventional and government, purchase and refinance) under various loan programs in accordance with policies & procedures, registered loans on the origination system. Performed Pre-close Call update communication log as needed. Issued proper disclosures as required by federal regulatory compliance and reviewed rate locks and point objectives for accuracy, ensure overage and underage is approved as well as waiver of any fees, set up files and order all necessary exhibits for appraisals and credit reports, check alternative documentation for accuracy and potential problems, ordered title insurance, closing protection letters, wire instructions and escrow fee's. Reviewed flood and tax certificates and surveys noting all issue's upon receipt, reviewed all documents thoroughly before submission to underwriting, obtain and reviewed documents for acceptability against loan conditions, with the loan officer, coordinate with buyers, sellers, title companies, escrow agents, surveyors and real estate agents to obtain additional documentation. Completing due diligence reviewing post-commitment conditions.

Highlights:

• Accounting
• Accounting Principles
• Appraisals
• Bilingual
• Documentation
• English Language
• FHA
• Financial
• Imaging
• Microsoft