Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Norma COVARRUBIAS

Loan Processor
Montclair,CA

Summary

  • Results-oriented Loan Processor highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. Over 5 years of experience in loan processing and mortgages.

Overview

1
1
Certification
8
8
years of professional experience
4
4
years of post-secondary education

Work History

Loan Processor

Exclusive Mortgage Services
Rancho Cucamonga, CA
06.2020 - Current
  • Processed loans within various departments to achieve timely, accurate, and fair proceedings.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Provided quick turnaround times to maintain fast-past schedule.
  • Handled any conditions sent from underwriting departments.
  • Prepared documents for underwriting by verifying client income, credit reports, and other information.
  • Set up and completed loan submission packages.
  • Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
  • Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
  • Negotiated loan terms and conditions with customers to secure best deal.
  • Compiled closing packages for drafting and presentation accuracy.
  • Developed and maintained relationships with customers, lenders and other third parties.

Loan Officer Assistant

EZ Fundings
Rancho Cucamonga, CA
03.2019 - 05.2020
  • Assembled important paperwork and disclosures for borrower.
  • Documented borrower's information in loan processing system and resolved any discrepancies.
  • Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
  • Worked with Loan Officer to create application profile in system and review key information at various stages within process.
  • Monitored key dates to obtain information by deadlines.
  • Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
  • Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
  • Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
  • Reviewed and validated details of loan applications and closing documentation.
  • Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.

Loan Document Specialist

Home Funding
Rancho Cucamonga, CA
08.2016 - 12.2018
  • Provided support for document controls and worked with contract documents.
  • Scanned, filed and transmitted various documents and adhered to digital filing procedures.
  • Pitched in to assist Funding department with special projects and tasks.
  • Evaluated current document processes, suggested methods for change and implemented successful improvements.
  • Carefully reviewed all documents and reports for completeness and accuracy.
  • Checked accuracy and completeness of documents to identify deficiencies and recommend corrective actions.

Mortgage Loan Collections

Wells Fargo
San Bernardino, CA
12.2014 - 07.2016
  • Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
  • Strengthened communication skills through regular interactions with others.
  • Skilled at working independently and collaboratively in a team environment.
  • Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
  • Managed time efficiently in order to complete all tasks within deadlines.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.

Education

High School Diploma -

John W. North High School
Riverside, CA
09.1995 - 06.1999

Skills

  • Government Standards
  • Loan Evaluations
  • Application Preparation
  • Calyx Point
  • Gathering Appraisals
  • Completing Interviews
  • Processing Procedures
  • Regulatory Disclosure Preparation
  • Knowledge of VA Loan Process
  • Active Listening and Learning

Certification

  • Licensed Farmers Insurance Agent - December 2022-Present

Timeline

Loan Processor

Exclusive Mortgage Services
06.2020 - Current

Loan Officer Assistant

EZ Fundings
03.2019 - 05.2020

Loan Document Specialist

Home Funding
08.2016 - 12.2018

Mortgage Loan Collections

Wells Fargo
12.2014 - 07.2016

High School Diploma -

John W. North High School
09.1995 - 06.1999

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Norma COVARRUBIASLoan Processor