Emilio De Los Santos

• Scrubbing new submitted files - checking image quality, inputting data/missing data, reviewing documents to ensure they are fully executed, and placing conditions for Underwriting
• Placing documents into corresponding folders for easy identifying and locating for all parties reviewing the file (internal and external employees)
• Ordering the Flood Certs and FraudGuard for each file
• Reviewing income, assets, and REO documents
• Re-issuing Credit
• Releasing AUS Finding to 11Mortgage, then reviewing the findings and verifying that all required documents have been obtained
• Ordering FHA Case Numbers
• Obtaining COEs
• Issuing IRRRLs

Broker Approvals (wholesale)

• Reviewing documents uploaded into Comergence by the potential Brokers
• Creating an electronic and paper files for each Broker
• Adding and approving the broker into Encompass

Disclosure Desk (wholesale)

• Reviewing the DDR, 1003, and Fee Sheet
• Manually entering fees within Encompass
• Running Mavent
• Managing emails and assigning to the correct individual

Jr. Condo Underwriter (retail)

• Conducting a Limited and Full Reviews for site, attached, and detached condos
• Looking over the condo questionnaire, budgets, appraisal report, Prelim Title, E&O, Master Insurance, Homeowners Insurance, and Sales Contract
• Placing and clearing conditions

Underwriting Support/Submissions (retail)

• Scrubbing new and resubmission files - checking image quality, inputting data/missing data, reviewing documents are fully executed, placing conditions for Underwriter
• Ordering VA Appraisals - requesting revisions if needed, communicating with all parties (appraiser, processor/loan officer, and SAR), reviewing Tidewater cases
• KHC Packages - stacking documents in a very specific order and uploading the package to the KHC website for approval
• Meeting a 24hr turn time when a file is submitted for review.
• TBD Conversions - reviewing a once TBD file that has newly been disclosed with a property address

• Research customer accounts to verify customer information and financial to determine appropriate home loan qualifications and/or modification
• Title Intake
• Researching customer loans to review inaccuracies on the borrower's account
• Performed quality checks and verified information to match system records and notated and discrepancies in Intake SharePoint systems
• Uploading documents in system for Underwriters to verify
• Loan Processor
• Establish and created survey to receive feedback and increase customer satisfaction
• Boost morale in all departments through proactive planning
• High rating in closing loans with great quality scores

• Managed everyday functions of stores frontlines
• Performed cash-wrap functions, receiving, credit, check, and debit card payments.
• Presented an attractive, friendly and clean atmosphere for great dining experience for customers

• Developed plans, conducted audits and variance analysis
• Contacted clients and vendors via inbound and outbound calls to locate client assets
• Managed production work, bi-weekly/monthly reporting, inventory, labor tracking and logistics