Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

Diana Benitez

DeLand,FL

Summary

Experienced Loan Processor with over twenty years of experience in Residential Mortgage. Excellent communication and solving problems and improving customer satisfaction. Knowledgeable with Fannie Mae, Freddie Mac, FHA and VA guidelines.

Overview

16
16
years of professional experience

Work History

Loan Processor

DHI Mortgage Company
Orlando, FL
06.2016 - Current
  • Review loan files for completeness, identified missing documentation and generate condition lists for applicants of New Construction Purchase loans.
  • Maintain average of 35 loans in pipeline and funded average of 12 loans monthly.
  • Prepare documents for underwriting by verifying client income, credit reports and other information.
  • Work with customers via telephone to answer questions, process transactions and resolve issues.
  • Process loans within various departments to achieve timely, accurate and fair proceedings.
  • Provide quick turnaround times to maintain fast funding.
  • Maintain Customer Surveys above 93%.
  • Reviewed financial statements and contacted institutions and customers to clarify details.
  • Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
  • Handle any conditions sent from underwriting department.
  • Maintain long-term relationships with customers to provide best-in-class customer service.
  • Maintain compliance with privacy and security requirements, as well as federal statutes covering Conventional, FHA and VA loans.
  • Upheld complete confidentiality of all submitted information according to release guidelines.

Loan Document Specialist 4

Wells Fargo Bank, N.A.
Orlando, FL
01.2015 - 07.2017
  • Carefully reviewed all documents and reports for completeness and accuracy.
  • Scanned, filed and transmitted various documents and adhered to digital filing procedures.
  • Checked accuracy and completeness of documents to identify deficiencies and recommend corrective actions.
  • Monitored due dates and deadlines and worked to submit all documents on time or early. Funding average of 15 loan monthly.
  • Reviewed and analyzed applicant, income, credit documents including Self-employed, Corporate and Partnerships tax returns.
  • Analyzed assets, liabilities and verified ratios were within guidelines.
  • Validated documentation received and data entry.
  • Understanding underwriting policies and procedures verifying that loans met underwriting guidelines.
  • Ordered necessary verifications.
  • Contacted customers on weekly basis to keep them informed of loan status.
  • Requested conditions from borrowers and submitted to underwriting.
  • Processed FHA/VA, Conforming and Nonconforming loans.
  • Specialized processing New Constructions FHA/VA and Conventional loans.
  • Ran DU using automated decision tool in LIS program.
  • Ordered appraisal/inspections. Verified appraisal data. Reviewed title.
  • Printed loan commitment and provided it to all parties involved

Loan Document Specialist 2

Kelley Services/Wells Fargo Bank
Orlando, FL
07.2014 - 12.2014
  • Receive and credit receipt electronic loans. Print package and forward to underwriters for loan review/approval.
  • Receipt and print conditions receive and submit to underwriters for review.
  • Forward loans to QIS for review.
  • Mail commitments to borrowers. Funded monthly average of 15 loans monthly.
  • Carefully reviewed all documents and reports for completeness and accuracy.
  • Checked accuracy and completeness of documents to identify deficiencies and recommend corrective actions.

Loan Document Specialist 4

Wells Fargo Bank, N.A.
Garden City, NY
08.2009 - 07.2013
  • Reviewed and analyzed applicant, income, credit documents including Self-employed, Corporate and Partnerships tax returns.
  • Analyzed assets, liabilities and verified ratios were within guidelines.
  • Validated documentation received and data entry.
  • Understanding underwriting policies and procedures verifying that loans met underwriting guidelines.
  • Ordered necessary verifications.
  • Contacted customers on weekly basis to keep them informed of loan status.
  • Requested conditions from borrowers and submitted to underwriting.
  • Processed FHA/VA, Conforming and Nonconforming loans.
  • Specialized processing New Constructions FHA/VA and Conventional loans.
  • Ran AUS in LIS program.
  • Ordered appraisal/inspections. Verified appraisal data. Reviewed title.
  • Printed loan commitment and provided it to all parties involved.
  • Finalized loan clearance and notified to attorneys to schedule closing.
  • Funded in average 18-25 loans monthly. Monitored due dates and deadlines and worked to submit all documents on time or early.

Loan Processor

Freedom Mortgage Corporation
East Meadow, NY
03.2009 - 07.2009
  • Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
  • Prepared documents for underwriting by verifying client income, credit reports and other information.
  • Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Processed loans within various departments to achieve timely, accurate and fair proceedings.

Loan Processor

JPMorgan Chase
Garden City, NY
09.2007 - 08.2008
  • Processed and prepared for closing mortgage loans under various loan programs in accordance with policies and procedures.
  • Reviewed federal compliance documents/disclosures issued by brokers for accuracy.
  • Processed as many as 10 closings daily, double standard requirement.
  • Supported account executives with high volume of loan closings.
  • Reviewed and clear closing conditions: title insurance, flood and tax certificates and surveys, homeowners insurance, data entry; checking for problems upon receipt.
  • Reviewed weekly pipeline report.
  • Acted as liaison for broker with regards to underwriting and closing issues.
  • Served as point of contact in house for outside Account Executives.
  • Recognized for high level of accuracy and efficiency
  • Reviewed all documents thoroughly before submission to closing.
  • Scheduled closing date with broker/attorney.

Level III Validator

American Home Mortgage
Melville, NY
07.2006 - 08.2008
  • · Analyzed loan applications received, verified data and data entry.
  • Analyzed credit, income, liability, asset documentation to determine risk of loans and verifying that loans met company guidelines, policies and procedures.
  • Approved loans and issued commitment to brokers.
  • Reviewed and cleared conditions received. Cleared loans for closing.
  • Lending authority up to $1 million loan amount.
  • Verified data on appraisals, titles and other verifications.
  • Provided good customer service to brokers and loan officers. Assisted incoming calls with underwriting related questions.

Education

Some College (No Degree) - Business Administration -66 Credits

Suffolk County Community College
Selden, NY

High School Diploma -

Richmond Hill High School
Richmond Hill, NY
06.1986

Skills

  • Excellent Customer Service
  • Financial Data Analysis Analytical and Critical Thinking
  • Mortgage Loan Software MS Office
  • Application Reviews Loan Feasibility Assessment
  • Creditworthiness Determination
  • Attention to Detail
  • Dedicated Work Ethic
  • Conventional, VA and FHA Loan Processing- AUS findings

Languages

Spanish
Native or Bilingual

Timeline

Loan Processor

DHI Mortgage Company
06.2016 - Current

Loan Document Specialist 4

Wells Fargo Bank, N.A.
01.2015 - 07.2017

Loan Document Specialist 2

Kelley Services/Wells Fargo Bank
07.2014 - 12.2014

Loan Document Specialist 4

Wells Fargo Bank, N.A.
08.2009 - 07.2013

Loan Processor

Freedom Mortgage Corporation
03.2009 - 07.2009

Loan Processor

JPMorgan Chase
09.2007 - 08.2008

Level III Validator

American Home Mortgage
07.2006 - 08.2008

Some College (No Degree) - Business Administration -66 Credits

Suffolk County Community College

High School Diploma -

Richmond Hill High School

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Diana Benitez