AIRICKA PEARSON
Mortage Professonal
Houston,TX
Summary
Experienced with mortgage loan processing, ensuring seamless end-to-end loan approvals. Utilizes strong organizational skills to manage loan documentation and coordinate effectively with stakeholders. Track record of maintaining compliance and accuracy, delivering high-quality service in fast-paced environment.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Program Specialist- HCVP
Housing Authority of Baltimore City
01.2023 - 04.2025
- Company Overview: NAHRO Certified
- Determining Eligibility and or Participants Continued Assistance -Income Review -Household Composition -Eligible deductions -Determining applicable payment standard -Utility Review
- Managing Recertification's for Timely Examination (averaging 35-50 annuals recertification's)
- Processing Annual Recertification's and Interim Changes as necessary.
- Maintain Productive Relationships with Landlords/ Property Management.
- Received incoming phone calls and contact form submissions and provided timely responses to inquiries.
- Working Knowledge of HUD and Fair Housing Regulations
- Evaluated program operations, successes and deficiencies to identify concerns and recommend strategies to enhance processes and elevate results.
- Administrative Tasks as applicable
- Established goals and created action plans to achieve goals.
- NAHRO Certified
- Utilized specialized software platforms to manage complex project schedules while maintaining close oversight over progress metrics.
Wholesale Residential Mortgage Processor
Loan Depot
01.2020 - 01.2023
- Detail Mortgage Loan Process from initial application to CTC
- Review Income and Asset Documentation
- Detailed Review of the 1003 and 1008
- Determine proper AUS as applicable by loan type -DU, GUS, LP
- Tax Transcripts (1040, K1and S Corp income)
- Title Examination
- Ordering Appraisals
- Gathering Underwriting Conditions
- Requesting ML Payoffs
- Review Funding Conditions
- Reduced loan application processing time by diligently reviewing and verifying applicant information.
- Mitigated risks for financial institutions by conducting comprehensive background checks on potential borrowers.
- Demonstrated excellent attention to detail when evaluating property appraisals for consistency with market trends and established guidelines.
- Supported other operational teams with financial transactions and account maintenance.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Prepared file for final clear-to-close by branch management.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
FHA, VA & CONV Mortgage Processor
First Heritage Mortgage
01.2018 - 01.2020
- Assign loans via FHA Connection
- Order appraisals, Full Appraisal Review and Logging
- Preliminary Title Review
- Screen Mortgage Loan Applicants according to Loan Program
- Communicate with Underwriting to insure loan approval
- Clear Leins and Judgements prior to settlement
- Set up and completed loan submission packages.
- Ensured accuracy of loan documentation, meticulously cross-checking figures and calculations before submission for approval.
- Strengthened relationships with real estate agents, attorneys, and other industry professionals through proactive networking efforts.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Maintained accurate records of loan processing activities and documents in CRM system.
- Educated customers on loan services and regulations to confirm compliance.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
Mortgage Processor
Ryan Homes
01.2013 - 01.2015
- New Construction Home Loans/ Builder
- Collaborated closely with underwriters to expedite loan approvals, resulting in increased productivity.
- Optimized workflow efficiency by prioritizing tasks based on client needs and deadlines, ensuring timely completion of loans.
- Assisted clients in completing complex loan applications while addressing their concerns regarding eligibility requirements or interest rates effectively.
- Ensured seamless handover of approved loans to the closing department by providing complete and accurate documentation packages.
- Handled any conditions sent from underwriting departments.
- Communicated with originator and applicant concerning progress of loan file.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
Contractor (REO Specialist)
Freddie Mac
01.2010 - 01.2012
- Loss Mitigation Specialist
- Prevented unnecessary foreclosures by effectively communicating available options to borrowers and guiding them through the loss mitigation process.
- Conducted comprehensive loan reviews, identifying opportunities for modifications and alternative repayment plans.
- Managed a high-volume caseload of at-risk borrowers, successfully negotiating mutually beneficial repayment solutions.
- Evaluated pay stubs, credit history, tax information and bank statements for financial status.
- Discussed property liquidation options with customers.
- Checked property valuations to assess foreclosure feasibility.
- Mitigated potential losses by proactively identifying early warning signs of borrower distress and initiating appropriate interventions.
- Reached out to borrowers to discuss current status and loan workout options.
- Compiled closing packages for drafting and presentation accuracy.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
Education
Business Administration
North Eastern Junior College
Colorado01-2008
High School Diploma -
Smoky Hill High School
12-2005
Skills
- New Construction Builder Experience
- Bank secrecy act BSA
- Processing procedures
- Regulatory compliance
- Pipeline management
- Government lending
- Document review
- Interviewing
- Customer service
- Microsoft office
- Lending software systems
- Closing support
- Desktop underwriter
Certification
- Certified Residential Program Specialist, - Housing Authority of Baltimore City - 2023
- Anti Money Laundering/ Mortgage Fraud Training
- CFPB Continued Education
- Mortgage InsuranceTraining - MGIC
- Underwriting Essentials Training - MGIC
Languages
English
Native or Bilingual
Spanish
Professional Working
Timeline
Program Specialist- HCVP
Housing Authority of Baltimore City
01.2023 - 04.2025
Wholesale Residential Mortgage Processor
Loan Depot
01.2020 - 01.2023
FHA, VA & CONV Mortgage Processor
First Heritage Mortgage
01.2018 - 01.2020
Mortgage Processor
Ryan Homes
01.2013 - 01.2015
Contractor (REO Specialist)
Freddie Mac
01.2010 - 01.2012
Business Administration
North Eastern Junior College
High School Diploma -
Smoky Hill High School
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