Summary
Overview
Work History
Skills
Timeline
Generic

CHAMENE MIRANDA

PHOENIX,AZ

Summary

Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.

Overview

9
9
years of professional experience

Work History

Residential Funding Specialist

Altisource
05.2022 - 06.2024
  • Process, post, and maintain draw requests on construction loan projects. Responsible for the completeness and accuracy of draw requests and project budgets prior to funding. Adhere to lender, state and local guidelines for lien waivers. Utilize external and internal resources, as well as problem solving skills to resolve issues as efficiently as possible. Provide a superior level of customer service to all internal and external customers of the department.

Property Preservation Specialist

Loancare
09.2018 - 05.2022
  • Maintain a pipeline of 100 or more of both post and pre-sale accounts. Review loans regularly to protect the client’s interest and to preserve the property including but not limited to, starting the hazard claim process, turning on utilities, curing code violations, etc. Provide updates to clients on loans as requested via email or conference call. Review all bids submitted by vendors to ensure best pricing and necessity based on investor guidelines. Assist in training new hires on department procedures and efficient practices to maintain a pipeline.

Disclosure Coordinator

Movement Mortgage
04.2016 - 01.2018
  • Responsible for processing initial disclosure within three days per TRID guidelines. Review changes to each loan and send new disclosures as needed. Work closely with processors and loan offices to ensure all documents are delivered to the borrower in a timely manner. Meet and often exceed the daily and weekly production goals set for the department.

Mortgage Loan Processor

Arizona Central Credit Union
10.2015 - 01.2016
  • Manage a pipeline of up to 30 loans monthly, inputting proper loan information into the system and ensuring accuracy and COE deadlines are met. Reviewing credit, income, asset, and property documentation to perform pre-underwrite. Maintaining weekly contact with borrowers, agents and title companies to provide updates to borrowers and real estate agents.

Skills

  • Familiarity with mortgage loan documents, 1003 app, and appraisals
  • Understanding of TRID and the Home mortgage disclosure act List one of your strengths
  • Knowledge of investors FHA, VA, FNMA & Conventional guidelines
  • Experience reviewing title documents and addressing issues with liens
  • Proficient in Microsoft Office with expertise in Excel, Outlook and PowerPoint
  • Capable of effectively leading and supporting a team to accomplish goals

Timeline

Residential Funding Specialist

Altisource
05.2022 - 06.2024

Property Preservation Specialist

Loancare
09.2018 - 05.2022

Disclosure Coordinator

Movement Mortgage
04.2016 - 01.2018

Mortgage Loan Processor

Arizona Central Credit Union
10.2015 - 01.2016

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CHAMENE MIRANDA