Edmond Fongho
Houston,TX
Summary
Mortgage industry professional with over 7 years of loan processing experience and a comprehensive knowledge of conventional and government loans. Thorough in gathering borrower information, verifying loan document and reviewing file documentation to guide each loan from preapproval to closing Computer savvy in MS Office suite and proprietary mortgage processing software. Highly motivated multi-tasker who can prioritize to ensure all projects are completed accurately and on time. Working knowledge of FHA, FHLMC, FNMA and HUD servicing guidelines. Advanced knowledge on residential mortgage loan documents (Foreclosure, Bankruptcy, Eviction, modification) and document functions. Team player and detail oriented.
Overview
9
9
years of professional experience
Work History
Senior Mortgage Loan Processor
DHI Mortgage
01.2018 - Current
- Review and verify borrower’s income, credit reports, employment history, property and appraisals, title and insurance information to prepare loan applications for underwriting submittal
- Provide support to loan officer and underwriting teams by ensuring the timely, judicious and accurate processing of mortgages
- Expertise in conforming and non-confirming loans, Fannie Mae &Freddie Mac Guidelines, FHA, VA, USDA Rural development loans
- Ensure compliance with company policies, underwriting guidelines and lending program requirements
- Ensure all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings.
- Prepared file for final clear-to-close by branch management.
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Work with customers in person and via telephone to answer questions, process transactions and resolve issues.
Mortgage Loan Processor
Devon Bank
Chicago
11.2014 - 12.2017
- Process Conventional loans from set up to submission, from condition to close
- Review residential loan application files to verity that application is complete and meet establishment standards, including type and amount of mortgage, borrower assets, liabilities and length of employment
- Submit mortgage loan application files for underwriting approval
- Research borrower accounts utilizing various customer system
- Cross-reference information documented on loan application with source document for accuracy and completeness
- Aware of and adheres to all state and federal regulations
- Recommend that loan not meeting standard is denied
- Manage a pipeline of approximately 40 loans effectively
Customer Care representative
New York Life
Dallas, TX
03.2013 - 09.2014
- Review employee insurance accounts and answer questions based upon established policies and procedures
- Maintain current knowledge of assigned programs and services through on-going classroom and computer-based programs
- Possess the ability to troubleshoot complex issues with little guidance
- Possess a high degree of tack, diplomacy and professionalism when dealing with all types of customers
- Possess the ability to work under pressure in a call center environment
- Possess exceptional conversational and problem-solving skills
- Ability to multitask and be able to diffuse difficult situations
- Possess the ability to decipher and articulate the customer perspective so that the customer’s needs and concerns are accurately and empathetically addressed
- Excellent interpersonal and telephone communication skills
- Perform additional tasks as directed.
Education
Bachelor of Science - Economics
University of Buea
Skills
- COMPUTER SKILLS
- Excellent computer skills including
- MS Word, Excel, Power pivot, Outlook, Power Point and Publisher, different loan software (Encompass) Proficient in Customer Service, Lotus, Avaya, Aim, PKT, SPD and Mortgage software Programs (MSP)
- Government Lending
- Credit Verification
Languages
French
Native or Bilingual
Korean
Limited Working
Timeline
Senior Mortgage Loan Processor
DHI Mortgage
01.2018 - Current
Mortgage Loan Processor
Devon Bank
11.2014 - 12.2017
Customer Care representative
New York Life
03.2013 - 09.2014
Bachelor of Science - Economics
University of Buea
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