JOAN SOSA
Springfield,VA
Summary
Well-organized Mortgage Specialist holding comprehensive experience and an in-depth knowledge of conventional and government loan programs. Detail-oriented and diligent with talents in gathering borrower information and verifying loan documents. Proficient in mortgage-processing software. Regarded as one of the company's most productive loan processors.
Overview
10
10
years of professional experience
Work History
Senior Loan Partner / Team Lead
Crosscountry Mortgage Inc
Carmel , IN
01.2024 - Current
- Reviewed and evaluated loan applications to ensure accuracy, completeness, and compliance with state and federal regulations.
- Ensured that all required paperwork was completed accurately and timely by all parties.
- Responded promptly to customer inquiries regarding their loan status and requirements.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Coordinated with underwriters to resolve mortgage application issues and obtain necessary documentation.
- Coordinated document preparation with attorneys, title companies, lenders, and other third parties as needed.
- Coordinated appraisal orders and reviewed appraisal reports for accuracy and compliance.
- Developed relationships with real estate agents and brokers to increase referral business.
Senior Loan Partner / Team Lead
Mako Mortgage Processing
Ocoee, FL
03.2023 - 01.2024
- Analyzed financial information, credit reports and appraisals to determine mortgage eligibility.
- Resolved concerns and answered questions for parties involved with each transaction to promote successful outcomes.
- Processed challenging loan applications for first-time borrowers, self-employed applicants and borrowers with problematic credit histories.
- Reviewed existing policies, procedures and regulations related to mortgage lending industry.
- Assisted Loan Officers with loan origination process and paperwork.
- Participated in training sessions covering new products, procedures and technologies related to mortgage lending industry.
- Provided guidance to customers regarding loan products, eligibility requirements, application processes, documentation requirements.
- Collaborated with internal teams such as underwriting, processing, secondary and closing in order to ensure timely completion of loan transactions according to established standards and procedures.
Operations Manager
Crosscountry Mortgage Inc
Lutz, FL
01.2020 - 08.2022
- Implemented policies and standard operating procedures and managed quality, customer service and logistics.
- Delivered positive customer experiences by implementing effective quality assurance practices.
- Recruited, hired and trained crew members on application of projects, customer relations and customer service.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Prepared detailed reports of financial results for senior management review.
- Developed pricing strategies based on market conditions, customer segments, customer needs and competitive environment.
- Created reports detailing current market conditions, competitor prices, and customer insights related to product pricing decisions.
- Monitored performance metrics such as revenue growth, profitability margins, and customer satisfaction levels associated with different pricing strategies.
- Performed cost-benefit analyses of various pricing strategies in order to identify the most profitable option.
Operations Manager
City Lending Inc
Vienna, VA
09.2017 - 01.2020
- Assisted executive leaders in decision-making processes by creating daily reports and suggesting areas for development.
- Managed company operations with responsibility for profit and loss, scheduling, training and inventory control.
- Strengthened internal operations by improving communications through weekly reports and weekly meetings.
- Assisted in preparing presentations regarding proposed price changes or strategies.
- Collaborated with sales team to develop pricing strategies for new products.
- Developed, recommended and implemented strategies to improve employee work quality and speed.
- Managed daily business operations, including sales, logistics, customer service and problem-solving.
- Examined problem-solving concepts, including quantitative methods and techniques and approaches to optimize organizational operations and facilitate decision-making.
- Supervised three department managers and 70 staff members to ensure optimal productivity and customer service.
Senior Loan Manager
Churchill Mortgage Corporation
Herndon, VA
10.2014 - 08.2017
- Checked approvals against established bank and government lending standards.
- Verified approvals of loans against established bank and government lending standards.
- Discussed loan needs and financial histories with clients, and conveyed information regarding the application processes.
- Verified borrower income and gathered credit information for loan approval process.
- Examined loan applications and supporting documentation prior to approval of mortgage.
- Maintained an average of 65 active loans with 50 closed loans in the monthly pipeline.
Education
Northern VA Community College
2012
Skills
- Meticulous attention to detail
- CRM Specialist
- Document analysis
- Sales Support
- Application preparation
- Processing documents
- Interpersonal Communication
- Time Management
- Task Prioritization
- Problem-solving aptitude
- Knowledge of Encompass, Arive, Conventional, FHA, VA, USDA, VHDA, DSCR, BK Stmt Programs, Self-Employed Tax Returns, MMP
Timeline
Senior Loan Partner / Team Lead
Crosscountry Mortgage Inc
01.2024 - Current
Senior Loan Partner / Team Lead
Mako Mortgage Processing
03.2023 - 01.2024
Operations Manager
Crosscountry Mortgage Inc
01.2020 - 08.2022
Operations Manager
City Lending Inc
09.2017 - 01.2020
Senior Loan Manager
Churchill Mortgage Corporation
10.2014 - 08.2017
Northern VA Community College
Languages
Spanish
Native/ Bilingual
Languages
Fluent in both English and Spanish
Technical Skills / Systems Skills: Encompass, DU, DO, LP, DSCR, ITIN, VA, Conventional, FHA, Bank Statement program, USDA, VHDA, MMP
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