James Zalvidea
Corona,CA
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
15
15
years of professional experience
Work History
Document and Disclosure Specialist
HomeXpress Mortgage Corp.
Santa Ana, CA
03.2021 - 02.2022
- Prepared loan estimate with new loan application and sent initial disclosures.
- Balance Final CD with Title/Escrow for funding.
- Set up loan file with accurate fees according to selected loan program and other loan parameters.
- Draw closing documents and communicate with Title/Escrow for closing coordination.
- Ensure Underwriters have signed off on approval prior to drawing closing documents.
Loan Document Specialist
Ally Financial
Aliso Viejo, CA
03.2018 - 10.2020
- Carefully reviewed all documents and reports for completeness and accuracy.
- Scanned, filed and transmitted various documents and adhered to digital filing procedures.
- Checked accuracy and completeness of documents to identify deficiencies and recommend corrective actions.
- Monitored due dates and deadlines and worked to submit all documents on time or early.
- Assist customers on how to fill out loan package.
- Audit new contracts for proper credit grading.
- Work with dealers, sales team to resolve questions or deficiencies regarding contract packages
Consumer Affair Specialist
LANI
Irvine, CA
12.2017 - 03.2018
- Review analyze letters from customers to solve their questions and concerns
- Reply to customers in writing within 5 business days of receiving their requests.
- Research customers loan contracts to provide accurate answers to their questions
- Process requests from customers on name, address, marital status, etc. changes to update information on loan.
Mortgage Funder
Lennar Corp.
Irvine, CA
04.2015 - 06.2017
- Balance CD with Title/Escrow to ensure accuracy of wire amount.
- Ensure Underwriters have signed off on conditions prior to drawing documents for signing.
- Audit application and disclosures for accuracy and completeness.
- Coordinate with Title/Escrow on signing and funding dates.
- Provide updates to Loan Processors, Realtors, Title/Escrow, on status of loan package.
Senior Mortgage Loan Processor
Genpact
Irvine, CA
07.2010 - 10.2014
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Prepared file for final clear-to-close by branch management.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Communicated with originator and applicant concerning progress of loan file.
Credit Analysis Underwriter
Ameriquest
Anaheim, CA
10.2003 - 07.2008
- Assessed credit risk and analyzed financial statements.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Made decisions and recommendations about extending lines of credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
Education
Some College Credits - Architectural Drafting Technology
Riverside Community College
Norco, CA07.1997
Skills
- Customer Proposals
- Customer Service
- Appraisal Procedures
- Licensing Regulations
- Closing Disclosures
- Audit Coordination
- Desktop Underwriter
- Appraisal Accuracy
- Processing Loan Applications
- Legal Compliance
- Fee Calculation
- Audit Documentation
- Legal Terminology
Timeline
Document and Disclosure Specialist
HomeXpress Mortgage Corp.
03.2021 - 02.2022
Loan Document Specialist
Ally Financial
03.2018 - 10.2020
Consumer Affair Specialist
LANI
12.2017 - 03.2018
Mortgage Funder
Lennar Corp.
04.2015 - 06.2017
Senior Mortgage Loan Processor
Genpact
07.2010 - 10.2014
Credit Analysis Underwriter
Ameriquest
10.2003 - 07.2008
Some College Credits - Architectural Drafting Technology
Riverside Community College
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