Araceli Pinedo
Cypress,CA
Summary
Knowledgeable Loan Processor offering expertise in legal statutes and established lending guidelines. Excellent communication and negotiation skills. Offering 5 year history of successful loan and mortgage processing.
Overview
11
11
years of professional experience
Work History
Loan Servicing Specialist
SunWest Mortgage Company
04.2023 - Current
- Offered friendly and efficient service to customers, handled challenging situations with ease.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Reconciled accounts, managed audits and updated records with remarkable accuracy.
- Proved successful working within tight deadlines and a fast-paced environment.
Mortgage Loan Processor
HCL Technologies
11.2021 - 09.2022
- Processed VA, FHA, FNMA/FHLMC loans
- Processed HELOC loans.
- Handled any conditions sent from underwriting departments.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Set up and completed loan submission packages.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Verified credit histories, personal references and employment backgrounds for each applicant.
Senior Loan Processor
Sovereign Lending Group
09.2020 - 04.2021
- Processed VA, FHA, FNMA/FHLMC loans
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Coordinated closing process with attorneys, title companies, and government clerks.
Mortgage Loan Processor
Mr. Cooper
05.2012 - 07.2020
- Processed VA, FHA, FNMA/FHLMC loans
- Set up and completed loan submission packages.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Developed comprehensive understanding of loan processing regulations and laws to be fully compliant.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Consulted with outside vendors to identify and resolve loan closing issues.
Education
High School Diploma -
Pioneer High School
Whittier, CA Skills
- General Mortgage Associate
- Loan Information Recording
- Loss Protection
- Generating Reports
- Principal, Interest and Payment Calculation
- Critical Thinking
- Desktop Underwriter
- Compile Documents
- Government Lending
- Credit Reporting Software
- Processing Procedures
- Mortgage Closing Scheduling
Timeline
Loan Servicing Specialist
SunWest Mortgage Company
04.2023 - Current
Mortgage Loan Processor
HCL Technologies
11.2021 - 09.2022
Senior Loan Processor
Sovereign Lending Group
09.2020 - 04.2021
Mortgage Loan Processor
Mr. Cooper
05.2012 - 07.2020
High School Diploma -
Pioneer High School
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