Mortgage Procossor / Underwriter
7031 Mt. Vernon Circle
Jacksonville, FL 32210
Review legal documents such as note, mortgage (security deed), note addendums and riders, mortgage riders, signature affidavits, power of attorney, etc. Review compliance documents: Truth in Lending ARM Disclosure, HUD-1 Settlement Statement, Notice of Right to Cancel, Service Disclosure, etc. Calculate income; re verify assets, review credit reports, income documents and appraisals, etc. Calculate debt ratios. Reconfirming lender guidelines were accurately followed. Verifying document level is within loan parameters. Performing full underwrites credit and compliance, credit only compliance only reviews.
J. P. Morgan Chase
Senior Loan Processor/ Team Trainer
Process FHA/Conventional and HARP loans from submission to close, including collect credit documentation and determine credit worthiness to achieve compliance with company guidelines set forth by underwriting. . Maintain pipeline of up to 70 to 75 loans closing 60%. Trainer for new employees to the team. Dealing directly with customers and vendors either by telephone or in person.
Compliance/Retail Financial Services
Review final HUD settlement statements for various fees on funded loans. Requires basic knowledge of Microsoft Excel. Attention to detail. Review archived documents, demonstrating knowledge of software and mortgage origination systems in order to insure accurate data in multiple systems.
PHH Mortgage Service
Doc Viewer/Junior Underwriter
Clear conditions for approved loan for closing. Review and request documents in the Application Package, including written VOES, pay stubs, w2s, tax returns, retirement and pension documentation, appraisals and titles. Communicate with borrowers and sales consultants. Other duties include Package Received Report maintenance, assign loans to team members, train new team members on system, and scrub loans for underwriting.
Bank of America.
Home Service Specialist II - Underwriter from Home (Remote) / Work Flow
Review and approve credit documentation such as: income documents including pay stubs, w2s, tax returns; retirement and pension documents; appraisals and titles. Communicate with borrowers and personal bankers. Maintain pipeline of up to 70 loans per month with average monthly closing of 40-45 loans. Help supervise and approve credit documentation of other home service specialists on the floor who did not have credit authority.
Master Financial Inc.
Clear conditions for closing and underwriting loans. Process loans from submission to closing. Maintain pipeline of up to 86 loans with average closings of up to 62 loans. Handle duties for funding manager when necessary, as well as assistant to center manager, prepare new hire packages for corporate office, and help with accounts payable and receivable.
Rated #1 processor several months running.
Aames Home Loans
Account Manager/ Team Lead
Process loans from submission to close, collecting all credit documentation and determine credit worthiness to achieve compliance with company guidelines set forth by underwriting.
U. S. Navy
Cook/ Records Keeper 1984-1999
Manage Navy Cafeterias and living quarters established to feed and accommodate Navy personnel. Order and inventory supplies/ Mail Room. Establish work schedules and procedures and maintain cost control procedures. Instructor and purchasing agent. Dealing directly with customers and vendors either by telephone or in person.
FHA Direct Endorsement - DE Underwriting
Total Quality Leadership
Basic Office Skills, Intermediate MS Excel, Intermediate MS Word, Intermediate MS Outlook.
NAA member Notary