Mortgage Loan Specialist Resume Samples

Description :

1. Developed and maintained a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities.
2. Effectively respond to customer inquiries and referrals that are generated from both their own contacts and from other Bank.
3. Conducted interviews with prospective borrowers in order to analyze financial and credit data to determine customer financing objectives.
4. Provided exceptional customer service by maintaining a thorough knowledge of lending programs, policies, procedures.
5. Met Banking Center mortgage sales goals by managing the end-to-end consumer mortgage referral requests.
6. Improved referral quality and quantity, providing proper support on an ongoing basis.
7. Consistently Double-Digit Producer Exceeding Loan quality application and requirements on Blue Print process.

Experience

10+ Years

Level

Management

Education

Business

Description :

1. Reviewed loan closing documents to ensure an accurate and compliant loan closing transaction.
2. Reviewed and approved the final HUD-1 Settlement Statement. Final review of the loan closing documents for accuracy and completeness.
3. Satisfied mortgage loan underwriting conditions. Provide loan funding and disbursement authorization.
4. Processed Multiple roles performed within Wells Fargo Home Mortgage - Texas Cash-out/Rate Term certified Wells Fargo Service Excellence.
5. Performed post-closing auditing for the Home Mortgage Disclosure Act Ensured file's accuracy and completeness.
6. Reported and corrected any deficiencies during second level risk review Completed Quality Assurance third level review on prior audits.
7. Worked with high net worth clients and large transactions Reviewed file and loan approval conditions.

Experience

5-7 Years

Level

Executive

Education

BS

Description :

1. Responsible for selling and originating commercial real estate loans. Sales presentations to individual Borrowers, as well as large groups of investors.
2. Worked an assigned territory, traveled, and negotiated terms and conditions (various products) through a network of well-developed professional relationships.
3. Recommended new loans for Management approval utilizing in-depth written analysis of all aspects of income-producing property.
4. Recommended included but were not limited to market review and analysis, location specifics, tenant lease review.
5. Reviewed and approve all third party reports (appraisals, environmental reports, earthquake and flood determinations, title documents).
6. Worked in close collaborations with team-mates (analysts and loan closers) to meet sales goals.
7. Existed portfolio needs of the company and repeat borrowers such as refinancing, administrative transactions.

Experience

10+ Years

Level

Senior

Education

Juris Doctorate

Description :

1. Communicated to customers, about setting up accelerator programs, automatic drafts, and other loan payment programs.
2. Refinance current Bank loans, new mortgages, and Home equities. Help resolve issues for homeowner's mortgages.
3. Trained associates on new programs and loans. Use of Microsoft Word, Excel, and Outlook proficiently.
4. Helped maintain current and new loans, exceeded goals set up by management, and made the company a considerable amount of money in sales.
5. Worked with the customer as their main contact. Explained what documents needed from them, why needed these documents.
6. Worked with the loan officers to gather borrowers initially required documents to submit to the underwriter for the initial review. 
7. Worked with the underwriters, loan officers, and borrowers to provide the underwriter with any further information.

Experience

10+ Years

Level

Management

Education

Associate

Description :

1. Discussed client goals and needs, make recommendations. Prepared loan applications and disclosures for the new loan applicants.
2. Submitted and process applications, keep the client apprised of loan status, and underwriting decisions.
3. Educated and coached Banking Center Teams to identify and act on referral opportunities.
4. Managed loan process by reviewing documents, calculating loan amount and closing Conventional, FHA, and VA mortgage refinance. 
5. Ensured borrowers are well informed through the entire process Work hand in hand with Title companies to ensure that loans are closed.
   
6. Responsible for performing routine operational duties related to residential, construction, and commercial mortgage loans.
7. Maintained mortgage accounts -Handled loan funding and processes payments.

Experience

5-7 Years

Level

Executive

Education

Associate

Description :

1. Documented include FNMA, FREDS, GNMA, Releases, PORTS, FNAA, N.R.F.
2. Set up new file folders, Retrieving missing Mortgage Documents, Mortgage Reviewer: Carefully reviewed, analyzing, and correcting documents.
3. Processed include Security Instruments, Title Policies, Appraisals, Macs, LGCs, Subordinations Agreements.
4. Assured that all required documents have been indexed correctly before being sent to the Pyramid Loan Expeditor System.
5. Checked to make sure that all barcodes and page numbers are accurate and properly in order, matching all coordinating documents.
6. Handled the preparation of FHA and VA commercial and private mortgage home loans.
7. Determined customer needs, suggest additional bank products and services, provide loan origination, pre-qualification, and counseling assistance.
   

Experience

5-7 Years

Level

Executive

Education

Diploma

Description :

1. Reviewed title commitments for exceptions making sure all curative items needed are available and attached to file.
2. Reviewed HUD making sure recording fees and/or mortgage transfer taxes are collected where required.
3. Recalculated fees and make or request necessary adjustments Coordinate with appropriate parties to correct any found issues.
4. Returned recorded instruments or recording information as required by the customer.
5. Adhered to company/department procedures and utilizing all resources made available in order to complete job tasks.
6. Constantly provided excellent verbal and written customer service for internal and external customers.
7. Interviewed loan applicants Set up loan applications, processed files, and prepared files for closing.

Experience

5-7 Years

Level

Executive

Education

Specialist

Description :

1. Responded to customer inquiries regarding home loans, and relocation services.
2. Features and benefits of all home loan products and services provided by USAA.
3. Identified customer needs and determining products that best served their needs.
4. Performed analysis to include loan needs, pre-qualification, transaction timeframes, Realtor needs.
5. Obtained loans or were in the decision-making process to assist with any questions.
6. Assisted in the start of "Bank Referral Team", where information about banking products was shared with other parts of the company.
7. Responded to inquiries & resolve problems-Obtain all necessary documentation required for the file.
   

Experience

2-5 Years

Level

Junior

Education

Real Estate

Description :

1. Processed mortgage loan applications fully utilizing the automated underwriting tools and processing software programs.
2. Processed mortgage loan applications to closing in accordance with conditions of automated underwriting findings.
3. Ordered credit reports, processing various assets, liability, and employment verifications, requesting property appraisals.
4. Ensured compliance with applicable federal regulations throughout the application process.
5. Maintained accurate status dates for applications and documents on processing software to generate periodic reports.
6. Processed software to process applications in the most timely and efficient manner.
7. Monitored and ensure the completeness and accuracy of file documents and verifications.
8. Established and organized loan files in a manner consistent with loan policies, readying files for review by the approval authority.

Experience

7-10 Years

Level

Management

Education

B.S

Description :

1. Managed an abundance of calls daily, assisting customers with delinquent mortgage accounts.
2. Partnered with Home preservations team and other lines of business including bankruptcy and foreclosure teams to assist clients.
3. Experienced identifying additional opportunities to sell products and services to customers Experience managing deceased borrowers accounts.
4. Offered other opportunities to customers with financial hardship and taking applications for hardship review.
5. Tracked of loan volume and goals Partnered with a team on incentive programs.
6. Ensured client satisfaction Assist and coached new hire's on system operations Proficient with Wells Fargo systems.
7. Proficient use with Microsoft excel, powerpoint, and Microsoft word systems.

Experience

5-7 Years

Level

Executive

Education

Human Services

Description :

1. Responded to incoming telephone calls from customers in a professional and timely manner.
2. Answered routine questions regarding a variety of account issues, including but not limited to, escrow accounts, balance, and payment inquiries.
3. Performed all account adjustments and contact clients about delinquencies.
4. Responsible for collecting information related to past collections that the client.
5. Contacted customers to collect delinquent mortgage loan payments and negotiate payment arrangements.
6. Documented all customer contacts in accordance with established procedures. Process daily collection and goal reports in a timely manner.
7. Reviewed closed loans to ensure all compliance documents were present in order for loans to be sold to investors.

Experience

2-5 Years

Level

Executive

Education

Diploma

Description :

1. Interview and assist members in selecting the appropriate loan products, by acquiring sufficient information.
2. Submit documentation to the underwriting department and maintain contact with members throughout the application process.
3. Build business by marketing loan products and build relation with realtors. Familiar with Mortgage computer and desktop underwriter.
4. Prior experience includes teller duties prior to moving into the member services department.
5. Duties included processing teller transactions, money orders, traveler's checks, cashiers checks, cash advances.
6. Meet with existing and prospective members to determine their needs such as savings, checking CD, IRA.
7. Complete stop payments, check copies, bank wires, direct deposit, payroll changes, verification letters, and forgery procedures.

Experience

10+ Years

Level

Senior

Education

BS