Jose Oregon
Santa Ana,Ca
Summary
- Experienced and highly qualified professional, efficient in reviewing mortgage loan documents; 1003, disclosures, credit report, appraisal, and loan terms.
- Vast knowledge of marketing,
pricing and underwriting
regulations. - Familiar with state laws and policies.
- Known for exceptional interpersonal and communication skills. Seeking a position in a competitive environment that will provide an opportunity to develop my mortgage skills and impact the growth of the organization with profitable results.
- Experienced in customer service and sales with many years of volunteer work in the community (church and youth sports).
Overview
22
22
years of professional experience
Work History
Collateral
Planet Home Lending
09.2019 - Current
- In constant communication with Deutsche Bank ensuring collateral is being reviewed and dryed
- Clearing exceptions, uploading bailees in Blitz and drying files in Core
- Distribute daily tasks to SLK team
- Downloading bailees and distributing to SLK for task 2-3
- Review 10 SLK misc files for quality check
- Process Custodian status reports to ensure files that have been reviewed are dry
- Follow up on files that have a delay and dry them
- Send updated Aggregate and Exceptions reports as well as the Note Registry to the SLK Team
- Respond to tasks and emails, drying notes and updating the PHL staff on collateral status
Owner
Joe's Auto Detail
01.2010 - Current
- Manage mobile auto detailing services for residential and commercial clients
- Develop pricing strategies, balancing company's objectives and customer satisfaction
- Investigate and resolve clients complaints
- Negotiate contracts and develop client relationships and referrals
- Process all invoices and verify pricing meets contractual agreements
- Maintain inventory of supplies and negotiate lowest price and best products
Funder
Nationstar Mortgage
01.2012 - 12.2017
- Audit Underwriter approved loans; reviewing title, appraisal, disclosures, credit report, insurance policy, payoff demand and final approved group to ensure the expiration dates are within guidelines, fees are correct and loan information matches
- Clear prior to docs conditions, Upload docs in GLS, review LSAMs for escrow credit amount and release docs to the closing company
- Review signed docs, checking signatures, dates and make sure notary portion was completed properly for recording
- Balance fees with closing company, clear prior to funding condition, clear funding milestone (Fund) and release the wires
- Retrieve final Closing statement and disbursement ledger, clear escrow milestone and send final closing disclosure to borrowers
Account Manager
Global Cash Card
01.2008 - 12.2010
- Managed all aspects of the company's second largest client, over 8,000 paycard members and 42 branches
- Responsible for all client communications, conflict resolution, and compliance on client deliverables and revenue
- Ensured that client issues were dealt with in an efficient manner, informed the Account Director or Managing Director of any problems that may arise
- Assisted cardholders with their paycard accounts; initial card activation, transferring of funds, running balance, fee reimbursements as well as dispute resolution
Sr. Loan Officer/Real Estate Agent
Amerifund Mortgage Lending
01.2006 - 12.2008
- Managed a team of loan officers and real estate agents guiding them through their transactions
- Maintained stock supplies and made sure all equipment functioned properly
- Interviewed loan applicants, obtaining all of the necessary documentation and properly secured the collateral used to qualify the loan
- Looked for the best possible rate and loan program to satisfy customer expectations
- Interacting with wholesale lenders, appraisers, title and escrow companies retrieving the documentation to satisfy underwriters guidelines
Underwriter
Argent Mortgage
01.2003 - 12.2006
- Applied underwriting guidelines to make decisions on loan applications, implementing basic mortgage principles such as Debt to Income Ratio, Loan to Value calculations, and Payment Savings
- Reviewed Credit Reports, Title Reports, Appraisals, and Income Documentation to make decisions on Capacity and Collateral
- Gathered and assessed background information
- Calculated possible risk and decided how much individual should pay
- Assisted brokers with rate inquiries, giving over the phone mortgage quotes, satisfying broker and lender conditions
- Provided support for account managers assisting them with their clients and processing paperwork
Education
Information Technology Course -
Chapman University
Principals for Real Estate License -
Allied Business Schools
Skills
- Empower, Encompass, mortgage underwriting, funding,
- Sales, loan officer, real estate agent
- Customer service
Specialattributes
- Bilingual - Fluent in Spanish
- Detail Oriented
- Team Player
Computerapplicationssoftware
- Word
- Excel
- Power Point
- Outlook
- Empower
- Mozilla
- Win Forms
- Encompass
- GLS
- Citrix
Timeline
Collateral
Planet Home Lending
09.2019 - Current
Funder
Nationstar Mortgage
01.2012 - 12.2017
Owner
Joe's Auto Detail
01.2010 - Current
Account Manager
Global Cash Card
01.2008 - 12.2010
Sr. Loan Officer/Real Estate Agent
Amerifund Mortgage Lending
01.2006 - 12.2008
Underwriter
Argent Mortgage
01.2003 - 12.2006
Information Technology Course -
Chapman University
Principals for Real Estate License -
Allied Business Schools
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