Carmen Lopez
Las Vegas
Summary
Seasoned Senior Mortgage Loan Processor known for high productivity levels and efficient task completion. Specialize in underwriting guidelines, risk assessment, and regulatory compliance. Excel in communication, problem-solving, and time management to ensure smooth loan processing workflows. Commitment to accuracy and client satisfaction drives success in fast-paced environments.
Overview
7
7
years of professional experience
Work History
Senior Mortgage Loan Processor/Junior Underwriter
Paramount Residential Mortgage Group
Las Vegas
12.2022 - Current
- Ensured strict adherence to federal and state regulations throughout the loan process.
- Collected required documentation from clients, such as proof of income and employment verification.
- Assisted in developing loan packages that meet borrower needs and financial capabilities.
- Interpreted mortgage regulations regarding income calculations, debt-to-income ratios and other lending criteria.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Utilized loan processing software for data entry and to streamline workflow.
- Contacted outside sources, references and vendors to verify client financial information.
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
- Maintained detailed records of loan transactions and applicant information.
- Answered questions and advised customers regarding loans and transactions.
- Managed communication between loan officers, underwriters, and clients to ensure timely processing.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Maintained strict confidentiality of customer data in accordance with applicable laws.
Loan Processor
Gold Star Mortgage Financial
Las Vegas
12.2021 - 12.2022
- Reviewed loan application packages for completeness and accuracy.
- Examine documents to ensure accuracy and compliance with existing underwriting guidelines.
- Contact the customer for missing documentation, order necessary documentation through third-party vendors, and submit processed loans to underwriting.
- Contact internal and external customers to procure additional information required to complete files.
- Track files referred to underwriters for review.
- Enter the loan status updated in the systems.
Loan Processor
Streamline Home Loans
Las Vegas
06.2021 - 12.2021
- Reviewed loan application packages for completeness and accuracy.
- Examines documents to ensure accuracy and compliance with existing underwriting guidelines.
- Contact internal and external customers to procure additional information required to complete files.
- Trace files referred to underwriting for review.
- Enter the loan status updates on the system.
- Maintained strict confidentially of customer data in accordance with applicable laws
Junior Loan Processor/Receptionist
All Western Mortgage Group Inc.
Las Vegas
05.2018 - 06.2021
- Assess the credit standing of applications through background research.
- Concluded on all applicable financial and non-financial criteria, and developed loan repayment plans.
- Evaluated financial statements and contacted institutions and customers to clarify details.
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Managed a portfolio of loans including tracking payments and ensuring timely payment submission.
- Answered and directed incoming calls using multi-line telephone system.
- Operated telephone switchboard to answer, screen and forward calls to appropriate personnel.
- Provided excellent customer service at all times while interacting with both internal and external customers.
- Assisted with special projects assigned by management when required.
- Scheduled and confirmed appointments.
- Protected clients' rights by maintaining confidentiality of personal and financial information.
- Delivered administrative support to team members by making copies, sending faxes, organizing documents and rearranging schedules.
- Informed customers of loan application requirements and deadlines.
- Performed detailed credit analysis to assess borrowers' ability to repay loans.
- Collaborated with company teams to expedite loan approval processes.
- Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Analyzed loan applications and supporting documents to determine eligibility for approval.
- Approved or denied loan applications and explained reasoning behind decisions.
- Verified client financial information to determine creditworthiness and loan eligibility.
Education
Some College (No Degree) - Information And Communication Technology
University of Phoenix
Las VegasSkills
- Regulatory compliance
- Document verification
- Financial analysis
- Underwriting guidelines
- Customer service
- Attention to detail
- Data entry
- Effective communication
Timeline
Senior Mortgage Loan Processor/Junior Underwriter
Paramount Residential Mortgage Group
12.2022 - Current
Loan Processor
Gold Star Mortgage Financial
12.2021 - 12.2022
Loan Processor
Streamline Home Loans
06.2021 - 12.2021
Junior Loan Processor/Receptionist
All Western Mortgage Group Inc.
05.2018 - 06.2021
Some College (No Degree) - Information And Communication Technology
University of Phoenix
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