Esther Song
Glendale,Arizona
Summary
Well-qualified administrative team member bringing demonstrated knowledge and abilities in loan processing. Effective at organizing paperwork, resolving discrepancies and working with third-party vendors to clear issues and completing closings.
Overview
21
21
years of professional experience
Work History
Small Business Owner
PAPA'S CHICKEN RESTAURANT
07.2021 - 06.2024
- Developed and maintained relationships with customers and suppliers through account development.
- Accomplished multiple tasks within established timeframes.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
- Maintained professional demeanor by staying calm when addressing unhappy or angry customers.
Mortgage Servicing/Senior Mortgage Loan Closer
PACIFIC CITY BANK
09.2012 - 07.2021
- Received and reviewed all prior to funding conditions
- Signed off all funding conditions
- Draw Loan Documents using DocMagic
- Daily Balanced GL Accounts
- Monthly GL Certifications
- Packaged and shipped files to investor
- Reviewed ALTA Policy and Recorded Deed of Trust
- Processed consumer loan payments
- Followed up on delinquent loan payments
- Responsible for scheduling loan closing with escrow and borrower
- Registered funded loans in MERS
- Reviewed and corrected Final HUDS after loan closing
- Collaborated with lenders, agents, and legal professionals to resolve transactional and title issues.
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Delivered positive customer experiences and successful deal closures through open, constructive communications.
- Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
- Consulted with outside vendors to identify and resolve loan closing issues.
Mortgage Loan Officer/ Closing
WILSHIRE STATE BANK
04.2011 - 09.2012
- Received and reviewed all prior to funding conditions
- Signed off all funding conditions
- Draw Loan Documents using DocMagic
- Daily Balanced GL Accounts
- Packaged and shipped files to investor
- Reviewed ALTA Policy and Recorded Deed of Trust
- FNMA Cash Remittance
- Input Loans into FNMA
- Followed up on Ticklers
- Responsible for scheduling loan closing with escrow and borrower
- Registered funded loans in MERS
- Reviewed and corrected Final HUDS after loan closing.
Junior Undwriter
HOMEWIDE LENDING
04.2007 - 04.2008
- Received and reviewed all prior to doc and funding conditions
- Signed off minor conditions
- Processed new loan submissions
- Corrected final 1003’s to be sent out with loan docs
- Ran Emits, Desktop Originator, and Automated Engines for new loan submissions
- Ordered appraisal reviews
- Packaged and sent files for investor approval.
Account Manager
SHEARSON WHOLESALE
10.2006 - 04.2007
- Received and reviewed all conditions on new approved loans and tagged them in file
- Ordered appraisal reviews such as BPO, Field Review, and desk review
- Worked closely with broker on a daily basis for prior to docs and funding conditions
- Worked with broker to restructure denied, suspended files
- Worked on out of state transactions (wet funding)
- Proofed loan docs and corrected final 1003’s before sending them out.
Junior Underwriter
MEGA CAPITAL FUNDING
08.2004 - 10.2006
- Reviewed and processed new loan submissions daily into Calyx Point and Datatrac
- Review loan stipulations to ensure accurate and acceptability
- Ordered 2nd URAR, Field Review, and Desk Reviews
- Cleared and faxed Prior to Doc and Prior to Funding conditions
- Ran Emits, Desktop Originator, and Automated Engines for new loan submissions
- Coordinated with brokers and escrow companies for funding
- Resolved post closing conditions
- Reviewed and packaged all files before shipping
- Worked closely with Senior Underwriter and Funder.
Loan Processor
CITINET MORTGAGE
07.2003 - 08.2005
- Reviewed and processed new retail loan submissions
- Helped loan agents with minor pricing
- Opened Escrow with Escrow companies
- Ran Emits and Zippy for new loan submissions
- Coordinated with Escrow Company for funding
- Followed up on all conditions for prior to Doc and Funding
- Worked closely with Loan agents and borrowers.
Education
CERTIFIED PUBLIC NOTARY -
CALIFORNIA REAL ESTATE LICENSE - undefined
UNIVERSITY OF CALIFORNIA, RIVERSIDE - undefined
Skills
- File Management
- Legal Compliance
- Deadline Management
- Title Examination
- Data Collection
- Closing procedures
- Document Review
Languages
Korean
Native or Bilingual
Timeline
Small Business Owner
PAPA'S CHICKEN RESTAURANT
07.2021 - 06.2024
Mortgage Servicing/Senior Mortgage Loan Closer
PACIFIC CITY BANK
09.2012 - 07.2021
Mortgage Loan Officer/ Closing
WILSHIRE STATE BANK
04.2011 - 09.2012
Junior Undwriter
HOMEWIDE LENDING
04.2007 - 04.2008
Account Manager
SHEARSON WHOLESALE
10.2006 - 04.2007
Junior Underwriter
MEGA CAPITAL FUNDING
08.2004 - 10.2006
Loan Processor
CITINET MORTGAGE
07.2003 - 08.2005
CERTIFIED PUBLIC NOTARY -
CALIFORNIA REAL ESTATE LICENSE - undefined
UNIVERSITY OF CALIFORNIA, RIVERSIDE - undefined
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