Henry Gonzalez
Azusa,CA
Summary
Seasoned Loan Processor with a robust history at Amerinat, adept in documentation review and maintaining exceptional borrower relations. Expert in financial assessments and risk evaluation, consistently ensuring over 95% quality for investor servicing. Skilled in portfolio management and credit scoring, known for accelerating loan approvals and enhancing customer satisfaction.
Overview
12
12
years of professional experience
Work History
Loan Underwriter (Seasonal)
Amerinat
Las Vegas, NV
05.2023 - 05.2024
- Work with applicants collections of income & asset supporting documentation
- Calculate debt-to income ratios
- Determined maximum loan-to-value
- Reviewed profit & loss statement, including schedules on 1040 tax return & reviewed K1's business tax return
Senior Loan Processor
KBHS Home Loans, LLC
Las Vegas, NV
05.2019 - 12.2022
- Work with Builder’s stages of construction
- Process all Purchase Files, Conventional, VA, FHA, USDA Loans
- Communicate with varies department with sales, production, title & with builders with status on files
- Responsible for obtaining all supporting documentation & pending conditions with borrowers
- Responsible for submitting all prior-to-closing and all prior-to-disbursement conditions with underwriting department
- Building strong relations with borrower’s, underwriter’s and with sales to serve the most highest customer service experience which leads to recommendations from our borrowers
- Knowledge of Orijin AUS – LOS System
Senior Loan Processor
Nonstop Funding
Cypress, California
07.2017 - 03.2019
- Started file from beginning to ending
- Called the borrower to gather missing documentation prior to submission to Underwriting
- Calculate debt to income ratios, review all schedules tax returns, and calculate LTV/CLTV
- Responsible for completing doc request forms require drawing loan docs
- Responsible for re-disclosing the change of circumstances; loan estimate & closing disclosure for each individual file
- Responsible for unloading prior to doc and prior to funding conditions in Encompass for underwriters to review and clear all outstanding conditions
- Knowledge of Calyx Point 9.8 Version
Senior Loan Processor
American Financial Network, Inc.
Cerritos, California
03.2016 - 03.2017
- Knowledge of FNMA, FHLMC, FHA, VA, Non- QM, CalHFA & GSFA Loans
- Responsible for ordering FHA Case Numbers, VA Lin Numbers, Appraisal Reports
- Calculate debt to income ratios, review all schedules tax returns, and calculate LTV/CLTV
- Responsible for completing doc request, completing deed of trust, promissory note for all CalHFA Loans and assigning funder/closer or each file
- Responsible for clearing all pending compliance conditions prior to requesting loan documents to ensure file is under TRID Compliance
- Responsible for re-disclosing the change of circumstances; loan estimate & closing disclosure for each individual file
- Work with Underwriter’s and established a great relationship by calling and keeping communication in order to work as a team to be more efficient and to close files more faster & to avoid delays
- Responsible for unloading prior to doc and prior to funding conditions in Encompass for underwriters to review and clear all outstanding conditions
Loan Processor III / Assistant Production Manager
Academy Mortgage Corporation
Downey, California
07.2015 - 03.2016
- Works with loan officers, borrowers, and third party providers to obtain documentation and submit a thorough, accurate, and complete loan package to Underwriting with various loan programs, Conventional, FHA, CalHFA, CHDAP & MCC & GSFA Bond Program
- Maintain control of the loan file, monitors dates for approval, appraisals, and closing, and ensures that all deadlines are met in a timely and efficient manner
- Recognizes and resolves challenges early in the process, and provides excellent customer service
- Handles more complex loan types and escalated issues
- Delivers a complete loan file to the Closing Department within established company deadlines
- Prepares necessary documents and submits mortgage loan application files for underwriting approval
- Orders FHA case numbers, and tax transcripts, as appropriate
- Submit conditions to Underwriter to clear loan for approval
- Follows up on all outstanding orders to third parties and borrowers within established company deadlines
- Assistant Loan Processor Manager
- Ran daily operations and managed & supported staff with pre- qualifications, mentoring and training
- Conducted daily production meeting to go over pipeline
- Prepares file for closing and submits to Closer
Loan Processor
Ditech Mortgage Corp / Green Tree Servicing / GMAC Mortgage
Costa Mesa, California
08.2012 - 07.2015
- Responsible for processing Conforming/Non-Conforming, HARP Loans
- Following up with loan agent / representative with any pending or outstanding conditions
- Responsible for calculating escrow rollovers, ordering final payoff, title clearance
- Responsible for ordering appraisal, title reports and running DU Reports
- Responsible for each file to pass our pre-audit screen to ensure 100% quality for file to be service to investors and open markets
Education
Associates Degree - Business
National Educational Center
Commerce, California01.1990
Diploma - Accounting
Lynwood High School
Lynwood, California01.1988
Skills
- Documentation review
- Financial assessment
- Risk evaluation
- Portfolio management
- Loan processing
- Credit scoring
Positionofinterest
Senior Loan Processor
Timeline
Loan Underwriter (Seasonal)
Amerinat
05.2023 - 05.2024
Senior Loan Processor
KBHS Home Loans, LLC
05.2019 - 12.2022
Senior Loan Processor
Nonstop Funding
07.2017 - 03.2019
Senior Loan Processor
American Financial Network, Inc.
03.2016 - 03.2017
Loan Processor III / Assistant Production Manager
Academy Mortgage Corporation
07.2015 - 03.2016
Loan Processor
Ditech Mortgage Corp / Green Tree Servicing / GMAC Mortgage
08.2012 - 07.2015
Associates Degree - Business
National Educational Center
Diploma - Accounting
Lynwood High School
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