Dina Newsom
SeaTac,WA
Summary
Seasoned Mortgage Advisor with significant experience in the financial industry. Specialize in providing tailored mortgage solutions, demonstrating strong understanding of lending products and real estate market trends. Noteworthy skills include risk assessment, client relationship management, and negotiation. Previous roles included processing, funding and post closing in improved client satisfaction and streamlined loan approval processes.
Overview
11
11
years of professional experience
Work History
Mortgage Advisor
Salal Credit Union
Seattle, WA
01.2024 - Current
- Conducted comprehensive financial analysis on prospective borrowers to determine eligibility for mortgage products.
- Educated customers about the risks associated with different types of mortgages so that they can make informed decisions.
- Cultivated strong relationships with external partners, such as lenders, title companies, escrow agents and other service providers.
- Worked closely with underwriters throughout the loan process to ensure timely approval of applications.
Sr. Mortgage Loan Disclosure Specialist
BECU
08.2023 - 11.2023
- Reviewing post closing loans to ensure that accurate and timely Closing Disclosures were issued at closing
- Responsible for completing BKI to review best known information and ensuring that any COC (change of circumstance) events are met and in compliance
- Validating rate locks, loan fees and closing costs are accurate on the Closing Disclosure according to final settlement statements generated by escrow
- Issuing post closing-Closing Disclosures to provide members with any revisions after funding
- Completed BECU Construction training utilizing Land Gorilla for sales and processing while becoming familiar with ordering project reviews through CLM and preparing files for funding
Mortgage Advisor - Kent Station
BECU
06.2018 - 08.2022
- Originated FNMA, government and portfolio loans through networking with branches and outside real estate agents utilizing loan origination system, LFC, mortgage cadence
- Reviewed financial profiles and made recommendations to the best fit, timing and product available to include first-time home buyers, primary and investment purchases and refinances and new construction
- Generated network of real estate partners to establish and build ongoing portfolio
- Collected income, asset and retirement documents to review and analyze for desktop underwriting
- Reviewed credit, title, escrow and appraisals while clearing conditions according to underwriting and program guidelines to prepare loan files for funding
- Worked with underwriters, processors and funders to efficiently and effectively fund loans
- Consistently met department goals of sales and service
Mortgage Loan Officer
BECU
06.2016 - 06.2018
- Serviced members virtually to onboard new mortgage purchase and refinance loans
- Worked in an inbound call center to effectively and efficiently assist members with applications and follow ups on loans in process
- Collected income, assets and retirement documents uploaded electronically for review for underwriting
- Utilized desktop underwriting to review conditions needed to be cleared for funding
Mortgage Loan Processor
BECU
02.2014 - 06.2016
- Processed FNMA, Government and Portfolio loans while utilizing AUS-Automated Desktop Underwriting systems to clear conditions and prepare files for funding
- Analyzed credit, income documents, asset documents to ensure they adhered to program guidelines
- Thoroughly reviewed 1003 URLAs, PSAs, condo, PMI, HOI as applicable
- Validated title, appraisal and flood certifications according to underwriting guideline while meeting TRID timelines
- Cleared and approved underwriting conditions for funding or referred to underwriting as needed
- Partnered and communicated with loan officers and members to obtain additional documentation from members
- Worked with title, escrow, appraisal and insurance companies to obtain documentation on behalf of members
Education
Bachelor's degree - Sociology
University of Washington
06.1993
High school or equivalent -
Holy Names Academy
06.1988
Skills
- Credit Risk Management
- Funding
- Credit Analysis
- Sales
- Underwriting
- Quality Assurance
- Construction Loans
- US FHA Financing
- Residential Mortgages
- Mortgage Lending
- Loan product sales
- Relationship selling
Websites
Timeline
Mortgage Advisor
Salal Credit Union
01.2024 - Current
Sr. Mortgage Loan Disclosure Specialist
BECU
08.2023 - 11.2023
Mortgage Advisor - Kent Station
BECU
06.2018 - 08.2022
Mortgage Loan Officer
BECU
06.2016 - 06.2018
Mortgage Loan Processor
BECU
02.2014 - 06.2016
Bachelor's degree - Sociology
University of Washington
High school or equivalent -
Holy Names Academy
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