Summary
Overview
Work History
Skills
Phone
Timeline
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Elizabeth Pinedo

Irvine,CA

Summary

Accomplished Sr. Mortgage Loan Processor with a proven track record at PURPOSE FUNDING, enhancing loan processing efficiency and compliance across multiple states. Expert in regulatory audits and pipeline management, I excel in workflow designs and risk assessments. Fluent in Spanish, my skills in AUS and LOS systems significantly boost productivity and client satisfaction.

Overview

24
24
years of professional experience

Work History

Sr. Mortgage Loan Processor

PURPOSE FUNDING
Irvine, CA
01.2024 - Current
  • Process all company mortgage loans
  • Manage Jr
  • Processor / Loan Officer Assistants
  • Communicate with all internal/external parties to the loan transaction; Borrowers, Loan Originators, Realtors, Underwriters, Closers, Team Leaders, VP, CEO, etc
  • Review, prepare and submit all loans for approval to Wholesale Lenders/Investors
  • Obtain all required loan conditions for underwriting and closing team
  • Order VOES, VOMS, HOI, Appraisals, Title and Escrow, Tax Transcripts
  • Meet SLA for all mini correspondent loans
  • Order final documents and coordinate all closings with loan and settlement agents
  • Record data tracking of all new originations, submissions, approvals, closings, locks

Sr. Mortgage Loan Processor

RESIDENTIAL LENDING SOLUTIONS / Home Mortg. Alliance
Santa Ana, CA
07.2022 - 11.2022
  • Company Overview: Direct Lender
  • Manage/process all Anaheim, CA branch loans
  • Pre-UW NON-QM files; DSCR, Bank statement programs, P & L loans
  • Set up all file submissions, order: appraisals, verifications, escrow, title, payoffs, subordinations, transcripts
  • Obtained all necessary loan submission documents and conditions from all interested parties to get loan funded (primarily borrowers)
  • Maintained compliance data reports
  • Direct Lender

Sr. Mortgage Loan Processor

C2 FINANCIAL CORP. / AMS PROCESSING
San Diego, CA
01.2001 - 07.2022
  • Company Overview: Wholesale Broker
  • Process loans for independent Loan Originators from application thru funding
  • Pre-qualifying assessment of credit, income (1040s, 1120, 1065, W2, paystubs), collateral (purchase agreements, title work, appraisals) on all files prior to approval
  • Disclosure generation
  • Obtain and review all credit approvals with interested parties satisfying all loan requirements
  • Ensured legal compliance of TRID, RESPA, HVCC, State and Federal regulations and institutional guidelines
  • Author professional correspondence to customers, business affiliates, corporate staff
  • Mini-Correspondent doc drawer and funder
  • Post closing audit of processed loans for commission payout
  • Wholesale Broker

Skills

  • Pipeline Management
  • Regulatory/Auditory Compliance
  • Pre-Underwrite
  • Qualifying Assessment
  • FHA, VA, CONV, NON-QM, DSCR
  • Fair lending
  • Multi-State Process
  • Productivity/Efficiency Improvements
  • Doc drawer
  • Wholesale, Retail, Mini-C
  • Purchase, Refinance, Reverse Mortgage
  • Workflow Designs
  • Fraud / Risk Assessment
  • TRID, RESPA, HVCC assessment
  • Disclosure analysis
  • AUS proficiency: DO/LP
  • LOS: Arrive, Calyx, Encompass, multi
  • Spanish interpreter

Phone

cell, (714) 904-7258

Timeline

Sr. Mortgage Loan Processor

PURPOSE FUNDING
01.2024 - Current

Sr. Mortgage Loan Processor

RESIDENTIAL LENDING SOLUTIONS / Home Mortg. Alliance
07.2022 - 11.2022

Sr. Mortgage Loan Processor

C2 FINANCIAL CORP. / AMS PROCESSING
01.2001 - 07.2022

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Elizabeth Pinedo