Georgina Garcia
Azusa,CA
Summary
Experienced Mortgage Loan Processor with comprehensive knowledge in loan origination and processing. Skilled at communicating effectively with clients and teams, streamlining processes, and managing loan documentation. Demonstrated ability to work under pressure while maintaining high standards of professionalism and efficiency. Previous roles have resulted in improved workflow systems, enhancing client satisfaction and team productivity.
Overview
11
11
years of professional experience
Work History
Mortgage Loan Processor III
City National Bank
11.2021 - Current
- Processing mortgage loans nationwide with a pipeline anywhere between 12 and 20 files while ensuring transactions are closed quickly and accurately.
- Currently processing purchase Community Lending loans. Working closely with clients, loan officers, and loan officer assistants to obtain and clear borrower conditions while making sure all processor conditions are cleared in a timely manner.
- Responsible for reviewing and ensuring items provided are sufficient to clear conditions before submitting and assuring all items are uploaded to the correct folders.
- Making sure all information in the system is completed and correct before submitting the loan to closing.
- Communicating with settlement agents and attorneys to ensure transactions are cleared to close and signing is scheduled prior to moving to closing.
- Assuring documentation in file including, income, assets, credit, title, appraisal and insurance are current and not expired prior to closing.
- Trained loan processors on various product types, including HELOCs and refinances, ensuring they understood guidelines and procedures. on all products including HELOCs, Refinances and purchases. Most recently trained all of the new Community Lending Processors as well as some of the Enterprise processors.
- Guide all processors on both my Community Lending team and the Enterprise team by assisting them in understanding the loan processing workflow and encouraging them to ask questions and seek help when needed.
- Processors consistently look to me for assistance and guidance during the process including how to communicate something with clients or LO's, how to problem solve an issue, or where to locate something in the system. Also help to foster a collaborative and supportive environment by encouraging team building and other activities.
- Contributed in the testing of Empower prior to the system rolling out to the department and also recently when updates were made. Regularly answer questions to my processing colleagues about how to navigate the system. Currently working with DarkMatter to resolve glitches and gaps within the system to improve workflow.
- One of the two processors who helped launch the Ladder Up program and worked with clients to communicate items that were needed and explained why to them when historically sales were responsible for doing so. Worked closely with the sales staff to develop relationships and a flow to more efficiently work together to get our loans closed and trained processors for community lending.
- Consistently engaged when clarification is needed about processing workflow when procedures and guidelines are being updated.
- Currently part of the USMB Culture Team in which we discuss the culture of the division and come up with ways for everyone to feel included while encouraging everyone to show appreciation for one another. My main role as the communication specialist is sending out emails to the entire division about events, holidays, CRA hours, and any other important information.
- Involved in the Women's Network Philanthropy and Professional Development groups. I annually organize the collection of clothes at 2Cal for the philanthropy clothing drive for various non-profit organizations and help facilitate virtual events for the professional network in order for colleagues to learn more about how to further their careers and brush up on skills.
Loan Coordinator
Guaranteed Rate, Inc.
05.2021 - 11.2021
- Processing real estate transactions after approval including Jumbo, FHA, and VA.
- Collaborated with front end processor and loan officer to ensure seamless transaction progression.
- Delivered needs list to borrowers and addressed inquiries to expedite file movement to closing.
- Collected pending conditions from third parties, such as insurance, title, and appraisals.
- Coordinated closing logistics among all parties to facilitate timely file transition to closing.
Small Business Consumer Processor II
City National Bank
08.2019 - 05.2021
- Processing of secured and unsecured consumer products including credit cards, lines of credit, personal loans, and overdraft accounts.
- Processing secured and unsecured small business products including business credit cards, lines of credit, ACH lines, basic builder loans.
- Processing loans secured by both residential and commercial properties including, ordering appraisals, ordering and reviewing title documents, requesting and reviewing evidence of insurance to confirm they satisfy City National Bank guidelines.
- Followed up on pending conditions from relationship managers to ensure timely submissions.
- Reviewed and cleared conditions within SLAs to expedite transactions to closing.
- Requesting and reviewing entity documentation such as operating agreements, partnership agreements, trusts, articles of incorporation, and statement of information to confirm signers of transactions.
- Trained new employees on consumer and commercial real estate products to enhance team knowledge.
Mortgage Loan Processor II
City National Bank
01.2016 - 08.2021
- Processed mortgage loans nationwide with a pipeline of 12 to 40 files, ensuring timely and accurate closing of transactions.
- Requesting and reviewing documentation including but not limited to, title commitments, escrow instructions, escrow amendments, and addendums to sales contracts, from escrows, title companies, and attorneys.
- Collaborated with RLCs to obtain and clear borrower conditions, ensuring all processor conditions were resolved promptly.
- Obtained final figures from settlement agents and balanced the file while verifying all fees for accuracy.
- Making sure all information in the system is completed and correct before submitting the loan to closing.
- Reviewed and uploaded all necessary documentation for transactions to maintain accurate and complete loan files.
- Re-disclosed closing disclosures and sent them to relevant parties.
Skills
- Fluent in written and verbal Spanish
- Strong written and verbal communication
- Leadership
- Problem Solving
- Team Collaboration
- Time Management
- Proficient in the following systems: Empower, Desktop Underwriter, Loan Prospect, Excel, Outlook
Timeline
Mortgage Loan Processor III
City National Bank
11.2021 - Current
Loan Coordinator
Guaranteed Rate, Inc.
05.2021 - 11.2021
Small Business Consumer Processor II
City National Bank
08.2019 - 05.2021
Mortgage Loan Processor II
City National Bank
01.2016 - 08.2021