AUTUME CHARLES
Rialto,CA
Summary
Highly skilled and detail-oriented professional with over 20 years of mortgage-related and customer service experience. A detail-oriented individual experienced in multi-tasking and the ability to work efficiently and effectively. An individual that can work productively with others or autonomously while providing a dedicated amount of customer service.
Overview
21
21
years of professional experience
Work History
Sr. Account Manager III/ Mortgage Loan Processor
loanDepot
06.2019 - 12.2023
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Handled any conditions sent from underwriting departments.
- Set up and completed loan submission packages.
- Communicated with originator and applicant concerning progress of loan file.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Analyzed borrower credit reports and income statements to verify accuracy.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Processed mortgage loan applications accurately and successfully for over 10 years.
Special Needs Caregiver
Department Of Children And Family Services
06.2014 - 06.2019
- Improved communication abilities of non-verbal children by introducing alternative communication methods, such as visual aids and sign language.
- Supported families in developing individualized care plans to address the specific needs of each child.
- Implemented behavior modification techniques tailored to individual children's needs, resulting in reduced disruptive behaviors.
- Managed medical appointments and administered prescribed medications accurately, ensuring optimal health outcomes for the children under my care.
Sr. Account Manager II
loanDepot
07.2012 - 06.2013
- Processed residential loan files and worked with customers, vendors, and in-house operations from application to funding
- Managed a pipeline of 40-65 loans, meeting deadlines, and exceeding goals set by management
- Responsible for clearing underwriting and funding conditions, drawing loan documents, and coordinating signings
Home Services Specialist II
Bank of America
02.2012 - 07.2012
- Processed home loans approved by an Underwriter or an Automated Decisioning System
- Responsible for clearing conditions and issuing changes to the terms on previously approved loans
- Responsible for but not limited to verifying conditions of approval which may include, customer income/assets documentation, resolving routine title issues including, vesting issues, child support liens, judgment liens, mechanic liens, and undisclosed liens re-conveyances
- Processed subordinations, resolved appraisal disputes, and coordinated closing activities
- Maintained a high level of customer service by being proactive in communication with customers and managing a high volume pipeline
Loan Specialist II
Countrywide Home Loans
04.2003 - 05.2008
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Handled any conditions sent from underwriting departments.
Education
High School Diploma -
John Marshall Fundamental
Pasadena, CASkills
- FHA, VA, & Conventional
- Typing: 60 wpm, 10-key
- Fair Housing Regulations
- Excellent written and verbal communication skills
- Excellent phone and office etiquette
- Time management, multitasking, meeting deadlines, attention to detail, self-motivating and team work oriented
- Able to manage high volume workloads
- California Notary Public and Certified Loan Closing Agent
Timeline
Sr. Account Manager III/ Mortgage Loan Processor
loanDepot
06.2019 - 12.2023
Special Needs Caregiver
Department Of Children And Family Services
06.2014 - 06.2019
Sr. Account Manager II
loanDepot
07.2012 - 06.2013
Home Services Specialist II
Bank of America
02.2012 - 07.2012
Loan Specialist II
Countrywide Home Loans
04.2003 - 05.2008
High School Diploma -
John Marshall Fundamental
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