Deborah Remus
Fontana,CA
Summary
Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.
Overview
12
12
years of professional experience
Work History
Sr Loan Processor
CrossCountry Mortgage LLC
12.2019 - 11.2023
- Reviewed loan files for completeness, Identified missing documentation and generated condition lists for applicants
- Worked with customers in person and via telephoned to answer questions, process transactions, and resolve issues.
- Analyzed credit reports, income and asset documentation ensuring that the files met Conventional/FHA/VA/ CalHFA/GSFA investor guidelines.
- Coordinated Closing with Closing Team, Borrowers, Escrow/Title Companies and Builders
Sr Loan Processor
Citywide Home Loans
11.2017 - 12.2019
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Analyzed credit reports, assets and income documentation to assess risk and determine applicants' ability to repay loans.
- .Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
Sr. Loan Processor
First Mortgage Corporation / Freedom Mortgage
02.2015 - 10.2017
- Processed loans on Conventional, FHA/VA from Originations through closing which entailed calculating income, reviewing of credit, title, ordered verifications, ordering loan docs and ensuring all files met investor guidelines
- Reviewed files for compliance accuracy, ordered updated disclosures, transitioned to new Trid guidelines
- Worked to maintain relationships with Builder, Title, Escrow and Credit companies.
Compliance Specialist
HomeServices Lending
12.2012 - 06.2014
- Audited all files to ensure compliance with all Federal and State disclosure requirement
- Worked on curing Post Closing Deficiencies/ RECOR findings
- Assisted in Coach backs to Home Loan Consultants on Non-Compliance findings
- Ensured compliance with all RESPA/GFE requirements, handled all fee changes.
Loan Administration Manager
HomeServices Lending
05.2012 - 05.2012
- Managed 12 Processors/Closers in the transition from Wells Fargo Home Loan Mortgage to HomeServices Lending
- Oversaw all branch operations, including Processing/Closing, resolved customer services problems, and maintained ongoing relationships with Sales Managers, Home Loan Consultants, Escrow Companies
- Strove to ensure that all Monthly Funding goals were met.
Education
Business Administration -
San Bernardino Adult Education
Skills
- Application Preparation
- Financial Document Review
- Loan Closing Familiarity
- Credit Evaluation Abilities
- Documentation Review Competence
- Pipeline Management Know-How
- Regulatory Compliance Knowledge
- Strong Attention to Detail
- Team Player
Business Applications
- Encompass Processing System
- LIS Processing System
References
Available on Request
Timeline
Sr Loan Processor
CrossCountry Mortgage LLC
12.2019 - 11.2023
Sr Loan Processor
Citywide Home Loans
11.2017 - 12.2019
Sr. Loan Processor
First Mortgage Corporation / Freedom Mortgage
02.2015 - 10.2017
Compliance Specialist
HomeServices Lending
12.2012 - 06.2014
Loan Administration Manager
HomeServices Lending
05.2012 - 05.2012
Business Administration -
San Bernardino Adult Education
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