DEBORAH AMAYA
Rancho Cucamonga,California
Summary
Knowledgeable Loan Processor bringing 20 years of experience in banking and financial positions. Highly skilled in working well with people of all backgrounds to complete loan packages. Adept at building loyalty and trust between bank and customer.
Overview
7
7
years of professional experience
Work History
Senior Loan Processor
Caliber Home Loans
Irvine, California
03.2021 - 04.2022
- Reviewed loan application packages for accuracy and completeness
- Managed input of data to Loan Origination System
- Collected required documentation from borrowers
- Ensured timely submission of loan packages to underwriting and maintained acceptable turn times in collection of conditions
- Provided ongoing customer support and constant communication regarding loan status to all parties involved
- Manage customer inquiries.
Senior Loan Processor
Excelerate Capital
Newport Beach, California
12.2020 - 03.2021
- Procure appropriate information and documentation necessary to finalize loan application packages
- Review loan files to ensure all documents are received and correct
- Oversee sign off from all underwriting conditions as well as all pre- and post-closing documents
- Orchestrated ordering of all required vendor documents and communication
- Manage customer inquiries, provide information regarding missing documents and loan status
- Keep abreast of all policies and procedures.
Client Service Representative S Third Party Originations
Temple View Capital
Pasadena, California
11.2018 - 11.2020
- Assisted in supervision and training group of 50 Correspondent Lenders and Wholesale Brokers originating Residential Business Purpose Loans
- Analyzed partner loan packages and made recommendations for improved submissions and additional training opportunities
- Coordinated with Counterparty Risk Management in onboarding of new lending partners and recertification of existing partners
- Managed initial customer complaints and escalated, as necessary
- Provided training to partner employees and ongoing support for loans in process and/or in servicing
- Ensured quality follow-up with clients to maintain strong relationships
- Monitored third party relationships and provided loan level feedback to TVC's management team about underperforming partners.
Senior Loan Processor
American Pacific Mortgage
Rancho Cucamonga, California
02.2018 - 11.2018
- Evaluated documentation and provide detailed condition list to Loan Officers to procure complete loan package for underwriting
- Analyzed income and determined if prospective loan met underwriting guidelines
- Ran DU, Mavent, Data Verify and ordered all third-party vendor items required for submission to underwriting
- Performed initial Compliance Review and sent out Loan Disclosures accordingly
- Escalated all customer complaints and assisted in providing timely resolutions
- Provided new employee training and ongoing support to junior staff.
Seasonal Employee
Costco Wholesale
Rancho Cucamonga, California
11.2017 - 01.2018
- Greeted guests and provided superior customer service
- Arranged merchandise and managed product displays to generate consumer interest and sales
- Provided support to co-workers in Bakery Department on as-needed basis
- Assisted cashiers in processing of customers, efficiently boxing items and insuring expeditious checkout.
Loan Specialist
RMK Financial Servicing / Majestic Home Loan
Ontario, California
08.2017 - 10.2017
- Reviewed loan application packages for Manufactured Home Loans
- Managed input of data to Loan Origination System
- Collected various documentation from borrowers
- Provided follow up for all third-party vendor items
- Ensured timely submission of loan packages to underwriting and maintained acceptable turn times in collection of conditions
- Provided ongoing customer support and constant communication regarding loan status.
Senior Loan Processor
International City Mortgage
Orange, California
10.2015 - 06.2017
- Provided support for Loan Officers in branches offices in California, New Mexico, Texas and Nevada
- Evaluated borrower credit worthiness
- Calculated monthly income and verified employment history
- Reviewed appraisal and title reports
- Ran DU and submitted complete loan packages to underwriting
- Ensured adherence to company policies, underwriting guidelines and loan program requirements.
Loan Analyst
FirstKey Lending
Pasadena, California
02.2015 - 10.2015
- Processed Residential Business Purpose transactions ('Fix & Flip' and Portfolio) in compliance with lending guidelines
- Conducted detailed economic and demographic research to determine feasibility of transactions
- Reviewed project cost breakdowns, scope of proposed renovation, insurance, rental income, tax returns, entity documents, property management agreements and leases
- Assisted in preparation of comprehensive Credit Approval Memo (CAM) to be presented to credit committee for loan approval
- Coordinated initial and ongoing inspection of physical real-estate assets
- Tracked underwriting, approval, funding and disbursement processes
- Monitored upcoming maturity dates and prepared extension requests
- Coordinated with Treasury for funding and subsequent disbursement wires.
Education
Vocational - Medical Assistant -
North West College
Phlebotomy License -
Chaffey College
Graduated -
Covina High School
Skills
- Strong attention to detail
- Proficient in Encompass
- Teamwork and Collaboration
- Customer Service
- Loan Submissions
- Credit analysis
Timeline
Senior Loan Processor
Caliber Home Loans
03.2021 - 04.2022
Senior Loan Processor
Excelerate Capital
12.2020 - 03.2021
Client Service Representative S Third Party Originations
Temple View Capital
11.2018 - 11.2020
Senior Loan Processor
American Pacific Mortgage
02.2018 - 11.2018
Seasonal Employee
Costco Wholesale
11.2017 - 01.2018
Loan Specialist
RMK Financial Servicing / Majestic Home Loan
08.2017 - 10.2017
Senior Loan Processor
International City Mortgage
10.2015 - 06.2017
Loan Analyst
FirstKey Lending
02.2015 - 10.2015
Vocational - Medical Assistant -
North West College
Phlebotomy License -
Chaffey College
Graduated -
Covina High School
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