Hi, I’m
Johana Moreno
Johnstown
Summary
Results-oriented Loan Processor highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. Over 10 years of experience in loan processing and mortgages. Experienced Loan Processor focused on improving the bank's loan program through knowledgeable and efficient service to customers according to program parameters. Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature. Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
8
years of professional experience
Work History
Amcap Mortgage Ltd DBA Gold Financial Services , Miami
Sr Loan Processor / Loan Originator
2019.02 - 2023.08 (4 years & 6 months)
Job overview
- Evaluated approvals against established bank and government lending standards.
- Handled any conditions sent from underwriting departments.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Set up and completed loan submission packages.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Coordinated closing process with attorneys, title companies and government clerks.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Maintained long-term relationships with customers to provide best-in-class customer service.
- Collaborated with stakeholders to manage loan files and databases and prepare general correspondence.
- Checked packages for appropriate documentation.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Provided quick turnaround times to maintain fast-past schedule.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Reviewed and validated details of loan applications and closing documentation.
- Verified credit histories, personal references and employment backgrounds for each applicant.
American Bancshares Mortgage LLC, Miami
Loan Processor
2015.05 - 2019.02 (3 years & 9 months)
Job overview
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent from underwriting departments.
- Issues reports for old and new loans based on field inspections of loan sites.
- Provided quick turnaround times to maintain fast-past schedule.
- Set up and completed loan submission packages.
- Collaborated with stakeholders to manage loan files and databases and prepare general correspondence.
- Collaborated with stakeholders about extension, guarantees and charges.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Evaluated approvals against established bank and government lending standards.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Checked packages for appropriate documentation.
- Proactively identified solutions for customers experiencing credit issues.
- Monitored pipelines at least 35 loans to track and log status of loans.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering Conventional-FHA VA loans.
Education
Cambridge College of Healthcare & Technology , Delray Beach, FL
Associate of Science
09.2012
Skills
- Encompass Software
- Dedicated Work Ethic
- Loan Application Preparation
- Regulatory Compliance
- Risk Management
- File Management
- Application Reviews
- Creditworthiness Determination
- Data Entry
- Income Evaluation
- Customer Proposals
- Credit Reporting Software
- Complex Mathematics
- Financial Advisement
- Contacting Borrowers
- Government Standards
- Financial Data Analysis
- Credit Bureau Contact
- Credit File Updating
- Customer Relations
- Title Research
- Application Process Management
- Appraisal Verification
- Employment Verification
- FHA loan process background
- Processing loan applications
- Loan applications
- Mortgage loan order acquisition
- Loan terms interpretation
- Interlibrary loan processes
- Residential Loans
- Home loan process explanation
- Loan to Value Ratio Calculations
- Loan preparations
- Loan application expertise
- Loan recommendations
- Loan paperwork
- Loan evaluations
- Loan restructuring
Hobbies
Witter and illustrator
Availability
See my work availability
Not Available
Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Sr Loan Processor / Loan Originator
Amcap Mortgage Ltd DBA Gold Financial Services
2019.02 - 2023.08 (4 years & 6 months)
Loan Processor
American Bancshares Mortgage LLC
2015.05 - 2019.02 (3 years & 9 months)
Cambridge College of Healthcare & Technology
Associate of Science
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