Crystal Biazevich
Anaheim,CA
Summary
Accurate and dedicated Sr. Loan Processor for 15 years, evaluates financial documentation and promotes positive client interactions. Works exceptionally well in fast-paced environments driven by tight deadlines. Employs critical eye toward document details and customer information to avoid errors and promote efficiency.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Sr. Loan Processor & Loan Officer Assistant
Nations Lending
07.2023 - 10.2023
- Pre-Underwriting for all loans prior to submitting to underwriting for approval
- Performed Income calculation for all types of income and uploaded income calculation worksheet to Encompass
- Oversee receipt of Loan file from Loan Officer through Final Approval
- Requested, collected and reviewed all conditions from borrowers and 3rd party documentation prior to submitting to Underwriting
- Communicated loan status updates to borrowers, Loan Officers, and Realtor's, while providing excellent customer service
- Processed DU or LP with any changes to loan to ensure loan was approved, after initial review, and throughout loan process
- Maintained all company SLAs.
Sr. Loan Processor
Homeward Mortgage
12.2021 - 07.2023
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Calculated debt-to-income ratios to determine maximum loan amounts, and income
- Provided quick turnaround times to maintain fast-past schedule.
- Processed Loan from after origination to closing
- Provided status updates to Borrowers, Loan Officers and Realtors, while maintaining all company SLAs and providing excellent customer service
- Restructured loans
- Registered, submitted and processed 70% of loans to outside lenders
- Extensive experience with running DU and LP for validation of Loan Approval
- Provided weekly pipeline meetings with each Loan Officer
- Assisted in gathering post closing conditions
Sr. Loan Processor
Mutual of Omaha Mortgage
01.2020 - 12.2021
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Utilized Encompass to process and track loans
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Handled any conditions sent from borrowers and third parties
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws
- Performed Income calculation for all types of income and uploaded income calculation worksheet to Encompass
Sr. Retail Loan Processor
First Foundation Bank
03.2017 - 12.2019
- Supported Loan Officer who received awards from Scotsman Guide by closing extremely high volume of loans consistently and exceeding goal
- Completed all Disclosures for all loans, initial disclosures, COCs, LEs and CDs
- Created and Implemented training materials for Processing
- Communicated loan status updates to borrowers, Loan Officer and third parties to ensure timely completion of loan applications
- Processed 80% of Loans in LLCs, typically with several self employed borrowers on each loan
- Processed multiple loans for multiple properties for same client concurrently
- Requested, collected and reviewed all documentation needed from borrowers prior to submitting to Underwriting
Sr. Loan Processor
Americash Mortgage
02.2015 - 03.2017
- Pre-Underwriting all loans prior to submitting to underwriting for approval, running AUS (DU & LP) for all loans throughout Loan process
- Performed Income calculation for all types of income and uploaded income calculation worksheet to Encompass
- Processed each loan from Loan Officer through Final Approval
- Maintained constant communication while providing exceptional customer service to borrowers and Loan Officers throughout entire loan process
- Manage multiple loan files at different status in Loan Process
- Requested, collected and reviewed all documents provided by borrowers and 3rd parties, prior to submitting conditions to Underwriter
- Ensured accuracy and completeness of each loan file processed prior to passing to closing department
- Assisted in gathering post closing conditions.
Sr. Account Executive
Transfirst Corporate Sales
04.2014 - 02.2015
- Prepared and presented Financial reports to executive management, providing insights that enabled informed decision-making
- Exceeded monthly sales goals resulting in promotion to Senior Account Executive
- Explained account features and services to customers, resulting in increase in account openings and renewals
- Maintained organized filing system for Financial documents
- Performed over 200 cold calls per day to Merchants to sell services
- Maintained contact information database by keeping account details updated, clear and relevant.
- Established customer relationships, interfacing with representatives and collaborating to achieve mutually beneficial results.
Education
High School Diploma -
Sonora High School
La Habra, CASkills
- Conventional, FHA, VA, USDA, Non QM, DSCR
- Retail, Wholesale and Broker processing experience
- Dedicated Work Ethic
- Teamwork and Collaboration
- Exceptional Organizational Skills
- Attention to Detail
- Customer Service
- Sales
- Pre Underwriting
- Interpersonal Communication
- Loan Disclosures
- Sound Judgment
- Loan Submissions
- Encompass, Calyx Point, Salesforce, Blend, Lending Pad, Arive, Outlook, Teams, Front, Slack
Certification
- NMLS #2351395
- CA CA-DFPI2351395
- WA MLO-2351395
Awards Recognition
Top Sr. Loan Processor working with the highest producing Loan Officers, continuously closing loans on time to meet closing dates
Volunteer work at Mariners Church in stores assisting customers
Spending time volunteering, providing excellent customer service to shoppers and assisting them in finding what they need to meet their needs. Stocking and pricing of all inventory. Staging store. Working as a Cashier to handle customers purchases.
Additional Information
Experienced and very knowledgeable in working and processing for Brokers, Wholesale and Direct Lenders. While working at Chapel Funding in 2008, I was the Sr. Account Manager, training, teaching, and assisting new Account Managers. Trained and helped to build business for all new and existing Account Executives, which included coaching and meeting with Brokers.
Timeline
Sr. Loan Processor & Loan Officer Assistant
Nations Lending
07.2023 - 10.2023
Sr. Loan Processor
Homeward Mortgage
12.2021 - 07.2023
Sr. Loan Processor
Mutual of Omaha Mortgage
01.2020 - 12.2021
Sr. Retail Loan Processor
First Foundation Bank
03.2017 - 12.2019
Sr. Loan Processor
Americash Mortgage
02.2015 - 03.2017
Sr. Account Executive
Transfirst Corporate Sales
04.2014 - 02.2015
High School Diploma -
Sonora High School
- NMLS #2351395
- CA CA-DFPI2351395
- WA MLO-2351395
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