Caitlin Arambula
Mortgage Loan Processor II
Kyle,TX
Summary
Knowledgeable Loan Processor offering 2+ year history of successful loan and mortgage processing expertise in legal statutes and established lending guidelines. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Overview
6
6
years of professional experience
Work History
Mortgage Loan Processor II
IBC Bank
Austin, TX
09.2020 - 11.2022
- Manage a pipeline of about 30 loans effectively with 20+ loan closing/funding per month.
- Perform a thorough review and analysis of borrower’s credit, income and assets, appraisals, title and insurance information as required by the loan program before submitting the file to underwriting.
- Provide support to loan officer and underwriting teams by ensuring the timely, judicious and accurate processing of mortgages.
- Directly communicate with the customer in writing and by telephone to obtain missing documentation required for the loan.
- Expertise in conforming and non-confirming loans: Fannie Mae Guidelines, FHA, VA, REI development loans.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Ensure compliance with company & banking policies, underwriting guidelines and TILA lending program requirements.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Evaluated approvals against (TX-A6) Home Equity and HELOC mortgage lending and banking standards.
Mortgage Operations Specialist
Pacific Union Financial
Lakeway, TX
06.2016 - 09.2017
- Review all initial loan approvals in Encompass, thoroughly gather borrower(s) information, verify loan documents, and carefully review all file documents to guide each loan from pre-approval to closed.
- Responsible for ordering property appraisals, title, flood certs, homeowner's insurance; Review all completed documentation sent back before preparing loan application for underwriting submittal.
- Accountable for reviewing every active loan and ordering verification documents required by the AUS: VOE, VOD, VOR, VOM, Tax Transcripts, Fraud Report.
- Responsible for processing loans from set-up to closing by verifying, compiling and entering borrower information in to loan processing systems.
- Communicate with various companies to obtain vendor information, including, but not limited to, verification of employment, flood certificate, title commitment, and payoff information.
- Review residential loan application files to verify that the application is complete and meet establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment.
- Upload all documents into Encompass on a “when received” basis; acknowledge receipt with the client same day when possible and verify documentation received meets requirements as needed.
- Double-checking information documented on loan application with source document for accuracy and completeness.
Mortgage Loan Officer Assistant
Guaranteed Rate
Lakeway, TX
02.2014 - 05.2016
- Set up files using loan officer checklist and submitted on-time for processing.
- Assembled important paperwork and disclosures for borrower.
- Consistent communication with the borrower to ensure all loan documents required for processing was completed, accurate and in compliance with company policies and underwriting guidelines.
- Performed additional duties assigned by management to expedite loan completion time.
- Proactively communicate all status updates to borrowers of loan status to ensure excellent customer service.
Business Office Manager
Ashwood Retirement And Assisted Living
Austin, TX
07.2013 - 01.2014
- Supervised staff of 50+ personnel by implementing company policies, protocols, work rules and disciplinary action.
- Managed all Human Resource functions by conducting new hire orientation, and administering benefits to all employees.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
- Oversaw office inventory activities by ordering and requisitions and stocking and shipment receiving.
- Updated reports, managed accounts and generated reports for the company database.
Education
Bachelor of Science - Kinesiology
Texas A&M University - Corpus Christi
Corpus Christi, TX05.2012
Skills
- Encompass
- Blend Platform
- Credit Reports
- TILA
- Home Equity & HELOC Mortgage Loan Processing
- In-depth knowledge of the mortgage banking industry, and processing procedures
- MS Word, Excel, Outlook, PowerPoint and Publisher, MS Teams, FHA Connection, VA Portal, Citrix, and Mortgage software Programs (MSP)
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Timeline
Mortgage Loan Processor II
IBC Bank
09.2020 - 11.2022
Mortgage Operations Specialist
Pacific Union Financial
06.2016 - 09.2017
Mortgage Loan Officer Assistant
Guaranteed Rate
02.2014 - 05.2016
Business Office Manager
Ashwood Retirement And Assisted Living
07.2013 - 01.2014
Bachelor of Science - Kinesiology
Texas A&M University - Corpus Christi
Similar Profiles
Victoria CastruitaVictoria Castruita
Universal Teller/ Retail Floater (Supervisor) at IBC BankUniversal Teller/ Retail Floater (Supervisor) at IBC Bank
Rafael ValleRafael Valle
BSA High Risk Analyst at IBC BankBSA High Risk Analyst at IBC Bank
TINA ESQUIVELTINA ESQUIVEL
Bank Teller at IBC BankBank Teller at IBC Bank
TERESA CORONADOTERESA CORONADO
Bank Customer Service Representative at IBC BankBank Customer Service Representative at IBC Bank
Aidet OrtizAidet Ortiz
Corporate Accounting Associate at Endeavor Real EstateCorporate Accounting Associate at Endeavor Real Estate