Jennifer Shin
Summary
Accurate and dedicated Loan Processor evaluates financial documentation and promotes positive client interactions. Works exceptionally well in fast-paced environments driven by tight deadlines. Employs critical eye toward document details and customer information to avoid errors and promote efficiency. Highly effective at coordinating documents and processes between all parties involved. Over 25 years of experience in loan processing and mortgages.
Overview
26
26
years of professional experience
Work History
Remote Loan Processor
Credit9
06.2023 - 04.2024
- Responsible for collecting documentation required to apply for a loan
- Duties included verifying all the information on the application, reviewing credit, calculating income and verifying employment.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Assisted borrowers with questions and resolved issues
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
Remote Senior Account Manger II
loanDepot
03.2019 - 03.2022
- In charge of gathering the necessary paperwork and documentation required for someone to apply for a mortgage loan
- Duties included but not limited to carefully reviewing mortgage applications to confirm that all essential fields have been filled out, organizing additional application materials such as income and assets documentations, review credit reports, verify employment and residency history, ordering payoff demands, reviewing title reports and addressing items that will need to be paid or removed at closing
- Another essential task was keeping an open communication with all parties involved such as the loan officer, title/escrow officer and borrower while moving the file to closing to meet any deadlines/rate expiration date
- Additional responsibilities included drawing loan documents and coordinated loan signings between the borrower and title company and/or mobile notary
- Handled a pipeline of 120+ loans
- Processed Conforming, non-conforming and FHA and VA loans.
Direct Purchase Production Assistant
loanDepot
10.2018 - 03.2019
- Reviewed the initial 1003, credit and income documentation to ensure files were complete for initial underwriting
- Monitored pipeline to meet daily departmental service level agreements
- Ensured documentation is indexed correctly prior to handoff
- Communicated with Licensed Loan Offices and Production Managers on level defects (incomplete submission and / or loan does not qualify under submitted program) through various checklists
- Calculated / reconciled income and assets against program guidelines / AUS cert
- Reran AUS with updated and confirmed information to verify qualification
Fraud Analyst
loanDepot
04.2018 - 10.2018
- Reviewed and investigated all accounts posing potential loss threats to the company, assessing both fraud and credit risk
- Conducted fraud risk analyses using advanced methods and tools of aggregated data provided by the company, or other sources of data
- Made real time/on-line decisions through risk systems justifying all recommendations.
Credit Analyst
loanDepot
11.2015 - 04.2018
- Analyzed credit risk and analyzed income documents and bank statements
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
Executive Broker's Assistant
Maryam Golbakhsh, Broker & Investor
10.2010 - 04.2014
- Performed all the duties of a Real Estate Salesperson
- Maintained all appointments and scheduling for Broker
- Processed commissions, completed vouchers, and calculated commission splits
- Created marketing collateral materials and postcards
- Maintained profile for social media and networking sites
- Entered and maintained property listings
- Maintained prospect and call logs, coordinated all transactions and conferred with escrow companies, lenders, mortgage companies, home inspectors and pest control operators to ensure the terms of contracts and conditions are met prior to closing of the transaction
- Helped analyze properties for rehabilitation, remodeling and reselling
- Assisted in the purchase of over $17 million
- Negotiated short sale transactions between banks and clients
- Communicated with Investment Properties' tenants regarding any repairs or issues with rent.
Senior Loan Processor & Vice President
The Equity Group
03.2007 - 10.2010
Sr. Loan Processor (Residential Mortgage)
Plural Venture Partners Inc.
11.2004 - 03.2007
Sr. Loan Processor (Residential Mortgage)
California Funding Group
02.2002 - 11.2004
Loan Processor (Residential Mortgage)
High-Tech Financial
01.1998 - 02.2002
Education
General Education, Business Economics -
Santa Monica College
General Education -
Sunny Hills High School, Fullerton
Skills
- Information Verification
- Regulatory Compliance
- Loan Disclosures
- Attention to Detail
- Credit analysis
- Processing procedures
- Title Research
- Customer Service
- Document Review
- Deadline Management
- Employment Verification
- Dedicated Work Ethic
- Credit Reports
- Application Review
- Loan Submissions
Loan Processing Expertise
Conforming & Nonconforming Loans, FRMs, ARMs, GPMs, Jumbo Loans, Fannie Mae & Freddie Mac Guidelines, FHA, and VA loans
References
- Annie Eckles, VP, Post Close Operations Anchor Loans, 626-221-1327
- Max Chavez, Sales Director Tripoint Lending, 714-829-8909
Additional Information
Active Real Estate Salesperson License since 2006 for State of CA (BRE)
Timeline
Remote Loan Processor
Credit9
06.2023 - 04.2024
Remote Senior Account Manger II
loanDepot
03.2019 - 03.2022
Direct Purchase Production Assistant
loanDepot
10.2018 - 03.2019
Fraud Analyst
loanDepot
04.2018 - 10.2018
Credit Analyst
loanDepot
11.2015 - 04.2018
Executive Broker's Assistant
Maryam Golbakhsh, Broker & Investor
10.2010 - 04.2014
Senior Loan Processor & Vice President
The Equity Group
03.2007 - 10.2010
Sr. Loan Processor (Residential Mortgage)
Plural Venture Partners Inc.
11.2004 - 03.2007
Sr. Loan Processor (Residential Mortgage)
California Funding Group
02.2002 - 11.2004
Loan Processor (Residential Mortgage)
High-Tech Financial
01.1998 - 02.2002
General Education, Business Economics -
Santa Monica College
General Education -
Sunny Hills High School, Fullerton
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