Summary
Overview
Work History
Education
Skills
Timeline
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Carlos M. Clark II

Belleville,MI

Summary

Experienced Loan Processor focused on improving the bank's loan program through knowledgeable and efficient service to customers according to program parameters. Versatile specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.

Overview

5
5
years of post-secondary education
9
9
years of professional experience

Work History

Mortgage Loan Processor

Interfirst Mortgage
Chicago , Il
03.2021 - 08.2021
  • Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
  • Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Handled any conditions sent from underwriting departments.
  • Prepared minimum 15-25 files/month for final clear-to-close by branch management.
  • Maintained compliance with privacy and security requirements, as well as federal statutes.
  • Upheld complete confidentiality of all submitted information according to release guidelines.
  • Completed denial and cancellation procedures on applicable files.
  • Consulted with outside vendors to identify and resolve loan closing issues.

Underwriting

Conventional, Wholesale, United Wholesale Mortgage
Pontiac, Michigan
09.2019 - 09.2020
  • Review and evaluate potential borrower(s) income documentation, tax returns, asset documentation, credit report, preliminary title report, Homeowners insurance policy, judgments, bankruptcy documents and appraisals.
  • Decision and re-work potential loan terms based on company standards as well as guidelines outlined by Freddie Mac and Fannie Mae.
  • Maintained high level of communication with both internal and external departments.
  • Review daily tasks for accuracy and completeness.
  • Maintains detailed records/notes to ensure all client requests are logged and completed in timely fashion.

New Accounts Associate

Raymond James & Associates
Southfield, Michigan
05.2018 - 09.2019
  • Establish new client accounts based on industry registration requirements.
  • Enforce document and other client requirements for accounts to meet industry policies and regulations including Anti Money Laundering.
  • Review issues and analyze data to determine corrective action.
  • Contact Financial Advisor and Branch Managers to resolve account issues ! Reviews daily tasks for accuracy and completeness.
  • Maintains detailed records/notes to ensure all client requests are logged and completed in a timely fashion.

Loan Processor

LenderLive LLC
Madison Heights, Michigan
10.2016 - 05.2018
  • Understand and strictly adhere to RESPA, Dodd-Frank and HMDA regulations.
  • Review documents for accuracy and meeting compliance standards.
  • Prep loan file for underwriting submission.
  • Monitor receipt of minimum document/app requirements for submission to underwriting.
  • Communicate with applicable parties of incomplete transaction information or corrections needed.

Customer Care Advisor

Apple Inc
Southfield, Michigan
01.2016 - 09.2016
  • Resolve technical issues related to Apple devices and/or accessories at a 95% success rate.
  • Create/update solution cases with clear and easy to follow troubleshooting steps.
  • Perform follow ups to close open cases in timely manner.
  • Escalate recurring complications to correct department as appropriate.

Mortgage loan processor/customer service

Citibank
Ann Arbor, Michigan
06.2011 - 11.2015
  • Maintained and serviced accounts of 150+ Mortgages including: refinances, FHA, conventional and 2nd home mortgages.
  • Reviewed customer documentation for conditional accuracy including employment, income/assets, liens/judgments, sub- ordinations, appraisals.
  • Submitted loans to the Underwriting team once all conditions were met.
  • Communicated with homeowners, lenders and third parties through the entire loan process to meet time sensitive dead- lines.
  • Scheduled loans to close with Vendors or in Bank Branches.

Education

Bachelor’s Degree - Hospitality & Tourism Management

Grand Valley State University
08.2006 - 12.2011

Skills

Customer service

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Timeline

Mortgage Loan Processor

Interfirst Mortgage
03.2021 - 08.2021

Underwriting

Conventional, Wholesale, United Wholesale Mortgage
09.2019 - 09.2020

New Accounts Associate

Raymond James & Associates
05.2018 - 09.2019

Loan Processor

LenderLive LLC
10.2016 - 05.2018

Customer Care Advisor

Apple Inc
01.2016 - 09.2016

Mortgage loan processor/customer service

Citibank
06.2011 - 11.2015

Bachelor’s Degree - Hospitality & Tourism Management

Grand Valley State University
08.2006 - 12.2011

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Carlos M. Clark II