Elizabeth Ortiz
Ventura,CA
Summary
Results oriented Sr. Loan Processor who can manage a high-volume of loans in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated, deadline driven, multi-tasker and reliable with excellent teamwork, problem-solving and organizational skills along with an eye for attention to detail.
Overview
7
7
years of professional experience
Work History
Senior Loan Processor
Capital Mortgage Services
Ventura, CA
12.2017 - 06.2022
- Maintained a strong pipeline of loan files from opening to close in a fast paced atmosphere that was deadline driven
- Communicated with clients to answer any questions they had or obtain additional documentation
- Evaluated and verified loan application files to ensure application data is accurate and finalized, including the type and amount of mortgage, borrower’s assets, liabilities, and length of employment
- Reviewed financial statements and contacted institutions and customers to clarify details
- Reviewed approvals against established bank and government lending standards
- Scheduled and tracked closing dates, contingency dates, and loan lock expirations
- Communocated with sales and closing teams to ensure all parties involved in the loan process were provided with updated and accurate updates
- Coordinated closing process with escrow, title and real estate agents
Senior Loan Processor
Direct Capital Funding
Camarillo, CA
09.2015 - 12.2017
- Generated initial disclosures, requested closing disclosure, and ordered and coordinated loan documents
- Set up and completed loan submission packages
- Responsible for gathering information and taking each file from application to closing
- Collected, verified, and analyzed all documentation required on loan approvals
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for clients
- Managed conditions while reviewing each loan file to verify documents were accurate and sufficiently completed for an underwriting decision
- Upheld complete confidentiality of all submitted information according to release guidelines
- Maintained long term relationships with clients to provide best in class customer service
Senior Loan Processor
OnQ Financial
Westlake Village, CA
01.2012 - 06.2012
- Pre-underwrote loans, reviewing files for adherence to underwriting standards and ensuring completeness prior to submission
- Processed mortgage loans according to established timeline, standard process flow, regulations, and procedures
- Performed welcome calls to customers, reviewed credit, income, assets, disclosures, opened escrow and ordered appraisals
- Reviewed and collected underwriter conditions
- Upon receipt of final approval, prepared authorization to close & notified all parties
- Displayed the ability to handle confidential material in a professional, ethical manner
- Maintained compliance with privacy and security requirements, as well as federal statutes covering Conventional, FHA, VA & USDA loans
Education
B.A. - Communication Studies, Interpersonal & Organizational Speech
California State University
1998
Skills
- Oral and Written Comprehension
- Detailed Evaluations
- Regulatory Compliance
- Corporate Financial Statements
- Teamwork and Collaboration
- Calyx Point
- Encompass
- Income Evaluation
- Credit Verification
- Borrower Correspondence
- Appraisal Reviews
- Networking and Partnership Development
- Dedicated Work Ethic
- Loan Closing
- Automated Underwriting Systems
- Regulatory Compliance Documentation
- Federal Statutes
- Government Standards
- Program Guidelines
Timeline
Senior Loan Processor
Capital Mortgage Services
12.2017 - 06.2022
Senior Loan Processor
Direct Capital Funding
09.2015 - 12.2017
Senior Loan Processor
OnQ Financial
01.2012 - 06.2012
B.A. - Communication Studies, Interpersonal & Organizational Speech
California State University
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