Alina Rodriguez
Williamstown,New Jersey
Summary
Dynamic Mortgage Processing Manager with a strong track record in team mentoring and regulatory adherence. Skilled in problem-solving and effective communication, ensuring seamless coordination throughout the loan process to meet client needs and expedite approvals.
Overview
13
13
years of professional experience
Work History
Senior Mortgage Processor for NY
Prosperity Home Mortgage
Chantilly, VA
03.2023 - Current
- Reviewed mortgage applications for completeness and compliance with regulations.
- Coordinated with loan officers to efficiently gather required documentation from clients, facilitating timely loan processing.
- Processed loan files through automated systems for efficient workflow management.
- Informed clients about application status and outlined necessary actions.
- Collaborated with underwriters to resolve issues and expedite approvals.
- Maintained detailed records of all mortgage transactions and communications.
- Mentored junior processors on best practices and procedural compliance.
- Updated internal systems to reflect changes in loan statuses and client information.
- Resolved any discrepancies or issues that arose during the loan process.
- Managed multiple loan files simultaneously, ensuring compliance with deadlines and contributing to smooth processing.
- Coordinated with lenders, title companies, appraisers, and attorneys to ensure timely completion of all transactions.
- Reviewed mortgage commitments from investors ensuring all terms are met before submitting loans for purchase.
- Ensured adherence to state and federal regulations governing mortgage lending practices.
- Verified accuracy of data entered into automated underwriting systems such as Fannie Mae DU, LP or Freddie Mac LP, DO.
- Maintained a database of customer information such as income statements and credit histories.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Organized and submitted completed loan packages for processing.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
- Collected required documentation from clients, such as proof of income and employment verification.
- Identified and proposed solutions to enhance loan processing efficiency and elevate customer service standards.
- Managed communication between loan officers, underwriters, and clients to ensure timely processing.
- Utilized loan processing software for data entry and to streamline workflow.
- Coordinated with underwriters to resolve loan application issues and discrepancies.
- Collaborated with closing agents to schedule and prepare for loan closings.
Mortgage Processing Manager
Prosperity Home Mortgage
Chantilly, Virginia
03.2020 - 03.2024
- Trained and mentored staff on industry best practices and compliance standards.
- Coordinated communication between loan officers and clients, ensuring clarity and efficiency throughout mortgage process.
- Oversaw documentation collection to maintain regulatory compliance and accuracy.
- Evaluated processing procedures to identify areas for efficiency improvement.
- Developed training materials to enhance team knowledge of mortgage products and services.
- Resolved escalated client inquiries regarding application status and requirements promptly.
- Implemented new software tools to streamline mortgage processing tasks and reporting.
- Analyzed credit and financial documents for accuracy, completeness, and compliance with company standards.
- Coordinated with lenders, borrowers, real estate agents, attorneys and other involved parties throughout the loan process.
- Developed procedures to streamline document collection from customers and third-party vendors, enhancing accuracy and compliance.
- Trained new employees on mortgage origination software systems, regulations, policies and procedures.
- Implemented changes within the department based on feedback received from external customers or regulators.
- Worked closely with underwriters to ensure that all loans meet investor guidelines prior to funding approval.
- Ensured customer service excellence by responding promptly to borrower inquiries regarding loan status.
- Reviewed loan files to verify all required documentation was present prior to submission to underwriters.
- Managed loans from application to closing by coordinating file movements among underwriters, mortgage lenders, and closing parties, ensuring timely processing.
- Managed validation of documentation to regulate underwriting and closing requirements.
Senior Mortgage Processor
Trident Mortgage Group
Devon , PA
07.2013 - 03.2020
- Coordinated client and lending partner documentation to facilitate timely loan processing.
- Analyzed credit reports to assess borrower eligibility.
- Processed loan files through internal systems efficiently.
- Communicated updates to clients throughout the loan process.
- Mentored junior processors on best practices and compliance standards.
- Ensured adherence to company policies and regulatory guidelines.
- Collaborated with underwriters to resolve outstanding issues promptly.
- Provided technical assistance on specific projects for management team members.
- Interpreted complex legal documents pertaining to mortgages such as promissory notes or deed of trusts.
- Reviewed and verified loan applications for accuracy and compliance with underwriting guidelines, ensuring adherence to industry standards.
- Resolved any discrepancies or issues that arose during the loan process.
- Conducted quality control reviews on processed loans to ensure accuracy prior to submission for approval.
- Coordinated with lenders, title companies, appraisers, and attorneys to ensure timely completion of all transactions.
- Developed relationships with local real estate agents to increase business opportunities within the marketplace.
- Managed multiple files simultaneously while meeting tight deadlines.
- Monitored changes in regulatory requirements affecting mortgages in order to stay abreast of industry trends.
- Ensured adherence to state and federal regulations governing mortgage lending practices.
- Verified accuracy of data entered into automated underwriting systems such as Fannie Mae DU, LP or Freddie Mac LP, DO.
- Communicated regularly with senior management regarding loan pipeline status updates.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Compiled and organized loan submission packages, ensuring compliance and accuracy for efficient approval processes.
- Gathered property appraisals, surveys and tax records to update mortgage loan files.
- Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews.
- Utilized loan processing software for data entry and to streamline workflow.
Education
High School Diploma -
Washington Twp High School
Sewell, NJ06-1997
Skills
- Loan processing expertise
- Mortgage compliance
- Pipeline management
- Data verification
- Document management
- Encompass software
- Underwriting collaboration
- Attention to detail
- Problem solving
- Team mentoring
- Conflict resolution
- Organizational growth
- Communication proficiency
- Client communication
Timeline
Senior Mortgage Processor for NY
Prosperity Home Mortgage
03.2023 - Current
Mortgage Processing Manager
Prosperity Home Mortgage
03.2020 - 03.2024
Senior Mortgage Processor
Trident Mortgage Group
07.2013 - 03.2020
High School Diploma -
Washington Twp High School