Summary
Overview
Work History
Education
Skills
References
Professional Development
Timeline
Generic

Daniel Vanatta

Cleveland Heights,Ohio

Summary

Experienced in mortgage operations, underwriting, and retail banking with Fortune 500 companies and smaller community banks. Proven sales, management, and training experience. Renowned for strong work ethic, attention to detail, organizational skills, and exceptional communication abilities. Consistently delivers outstanding results.

Overview

18
18
years of professional experience

Work History

Senior Loan Processor

JPMorgan Chase & Co.
01.2017 - 12.2023
  • Work directly with customers to ensure high customer satisfaction
  • Maintain system accuracy, issued proper disclosures as required by federal regulatory compliance and review rate locks and point objectives for accuracy
  • Preparing and calculating of income and assets thoroughly before being submitted to underwriting
  • Obtain and review documents for compliance with conditions with the loan officer, coordinate with buyers, sellers, title companies, escrow agents, surveyors and real estate agents to obtain addition documentation
  • Manage pipeline on a daily basis to ensure good management of loans
  • Communicating excellent customer service to internal and external parties
  • Ensuring a clear and concise closing process from beginning to end

Retail Underwriter I

JPMorgan Chase & Co.
01.2016 - 01.2017
  • Applying knowledge of mortgage servicing process and/ or Chase credit underwriting guidelines
  • Adhere to all Chase Fair Lending Practices
  • Review of all loan underwriting and modifications documentation to ensure compliance with investor requirements
  • Analyzing of financial information, including calculation of income and debt ratios, verification of assets, collateral review and credit review
  • Analyzing problems and identify potential or innovative solutions, identify documentation deficiencies and communicate the findings
  • Keeping up to date on all credit policies that impact underwriting
  • Demonstrate the determination to get the job done right the first time while ensuring loan decisions meet all program and product specifications

Senior Loan Processor

JPMorgan Chase & Co.
01.2011 - 01.2016
  • Work directly with customers to ensure high customer satisfaction
  • Maintain system accuracy, issued proper disclosures as required by federal regulatory compliance and review rate locks and point objectives for accuracy
  • Preparing and calculating of income and assets thoroughly before being submitted to underwriting
  • Obtain and review documents for compliance with conditions with the loan officer, coordinate with buyers, sellers, title companies, escrow agents, surveyors and real estate agents to obtain addition documentation
  • Manage pipeline on a daily basis to ensure good management of loans

Senior Loan Funder

JPMorgan Chase & Co.
01.2010 - 01.2011
  • Reconciliation of Preliminary and Final HUD’s in accordance with compliance
  • Reviewed loan documents in the closing package for Funding and Regulatory compliance
  • Communicated Final Funding figures to Attorneys and Title agents
  • Clearing of all prior to fund loan conditions, so the Funding may be finalized

Post Closing Specialist

Key Bank
01.2009 - 01.2010
  • Performed a quality control review for closed FHA, VA and State Bond loans to ensure complete and accurate documentation is present
  • Verified that legal documents were prepared and executed correctly and all closing requirements were met
  • Shipped loans to various investors/ servicer within required time frames
  • Consistently exceeded production numbers of loans sold to investors
  • Used FHA Connection to insure FHA loans per compliance regulations

Post Closing Specialist

Amtrust Bank
01.2008 - 01.2009
  • Utilized loan document file/ document tracking data systems to ensure proper auditing and tracking of files
  • Conducted research, imputed and corrected investor data errors to ensure proper data delivery
  • Responded to correspondents, brokers, and closing agents regarding the bank’s loan policies, procedures, systems and investor requirements, reducing file errors and eliminating potential for errors in the future
  • Incorporated third party investor’s software into workflow to deliver data during loan sale transactions more quickly

MB Collateral Auditor

Amtrust Bank
01.2006 - 01.2008
  • Managed and trained select team members, which in turn increased productivity as well as overall quality
  • Identified collateral document deficiencies and assisted senior staff in resolving basic deficiencies, which had a direct impact on minimizing company loss
  • Assisted imaging department in getting documents imaged in a timely fashion, enabling post closing department to complete their piece and loans to be sold on time
  • Operated in a fast-paced team atmosphere, while independently achieving goals

Education

Undergraduate Coursework - Criminal Justice

Lakeland Community College
Kirtland, OH

Ohio State Certificate - Law Enforcement

Euclid Vocational
Euclid, Ohio

High School Diploma -

Mentor High School
Mentor, OH

Skills

  • Microsoft Office
  • Word
  • Excel
  • Access
  • Lotus Notes
  • Desktop Underwriter
  • Loan Prospector
  • CLOSR
  • Zippy
  • Encompass
  • Clear communication
  • Strong attention to detail
  • Processing procedures
  • Loan processing proficiency

References

Available upon request

Professional Development

  • Mortgage Guaranty Insurance Corporation (MGIC) Training
  • Compliance Training
  • Registered with the National Mortgage Licensing System and Registry (NMLS)
  • National Underwriting Authority Certification

Timeline

Senior Loan Processor

JPMorgan Chase & Co.
01.2017 - 12.2023

Retail Underwriter I

JPMorgan Chase & Co.
01.2016 - 01.2017

Senior Loan Processor

JPMorgan Chase & Co.
01.2011 - 01.2016

Senior Loan Funder

JPMorgan Chase & Co.
01.2010 - 01.2011

Post Closing Specialist

Key Bank
01.2009 - 01.2010

Post Closing Specialist

Amtrust Bank
01.2008 - 01.2009

MB Collateral Auditor

Amtrust Bank
01.2006 - 01.2008

Ohio State Certificate - Law Enforcement

Euclid Vocational

High School Diploma -

Mentor High School

Undergraduate Coursework - Criminal Justice

Lakeland Community College

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Daniel Vanatta