Joshua Zinn
Arvada,CO
Summary
To secure a position that will allow me to utilize my skills, knowledge and experience to become a valuable asset to a company.
Overview
14
14
years of professional experience
Work History
Senior Mortgage Processor
HomeAmerican Mortgage Corporation
07.2017 - Current
- Review new Conventional, FHA, VA and Jumbo loans in a timely manner using Encompass and AUS.
- Send out disclosures through Encompass and Blend.
- Call out needs list to borrower.
- Review conditional approvals and call out needs list to borrower(s) in order to obtain final approval.
- Maintain a pipeline of up to 100+ loans.
- Knowledge of FNMA, Freddie, CHFA, Trid.
Senior Mortgage Processor
Fairway Independent Mortgage Corporation
03.2016 - 06.2017
- Review new Conventional, FHA and VA loans in a timely manner using Encompass and AUS
- Send out disclosures through Encompass.
- Call out needs lists to borrower(s).
- Review conditional approvals and call out a needs list to borrower in order to obtain a CTC.
- Work with 3rd party on certain items.
- Maintain a pipeline of 40+ loans.
- Knowledge of FNMA, Freddie, CHFA, Trid.
CDL Driver
Summit Respiratory
01.2015 - 03.2016
- Class C CDL driver delivering refrigerated liquid oxygen and compressed oxygen
- Responsibilities include: Curb side liquid O2 fills
- Deliver oxygen to patients, set up new patients with oxygen and concentrator, warehouse work, complete paperwork for daily routes, maintain customer service standard.
Quality Assurance Analyst
Urban Lending Solutions
11.2009 - 08.2014
- Quality Assurance (March 2014 - Aug
- 2014) Responsibilities include: Listening to associates calls with customers
- QC each call and complete MS Excel reporting
- Meeting with associate and team lead when call is below 90% accuracy.
Underwriter
Urban Lending Solutions
11.2013 - 03.2014
- Responsibilities include: Accurately analyzing documentation and calculate income, debt and expenses for borrowers requesting modifications on their current loans
- Order title and tax transcripts when needed
- Make risk decisions for modification loans
- Complete assumptions, including income calculation to be reviewed QM team with a 95% accuracy level.
- Supported review, acceptance, or denial of new or renewal business after carefully reviewing all information.
Mortgage Processor
Urban Lending Solutions
08.2013 - 11.2013
- Responsibilities include: Competently reviewing loan files to insure compliance with guidelines, manage email and phone communication with borrowers and loan officers to request documentation, set expectations, follow up and review closing figures in a professional and competent manner, perform accurate and complete input into Point of Sale or Loan Origination system, request needed documentation from third party sources, coordinate with underwriting to clear any conditions, coordinate with closing to insure an accurate and timely closing.
Operations Manager
Urban Lending Solutions
10.2012 - 08.2013
- Responsibilities include: Supervise origination and operations staff
- Respond effectively to customers both internal and external
- Review, analyze and make final decisions on conventional mortgage loans
- Supervise special projects
- Manage work flow and set employee goals/quotas as needed
- Training preparation and delivery
- Provide reporting for company, department and client requirements
- Remain up to date on program and client guidelines
- Deal with personnel issues such as reviews, corrective action and counseling.
Mortgage Processor
Urban Lending Solutions
11.2011 - 10.2012
- Responsibilities include: Competently reviewing loan files to insure compliance with guidelines, manage email and phone communication with borrowers and loan officers to request documentation, set expectations, follow up and review closing figures in a professional and competent manner, perform accurate and complete input into Point of Sale or Loan Origination system, request needed documentation from third party sources, coordinate with underwriting to clear any conditions, coordinate with closing to insure an accurate and timely closing.
Mortgage Specialist Team Lead
Urban Lending Solutions
11.2009 - 11.2011
- Responsibilities include performing a variety of loan documentation duties on loan programs, using acquired knowledge of guidelines for each product
- Demonstrated ability to work on special projects within the Underwriting Department
- Additional duties include; Customer Service to internal team members, respond effectively to customers within Urban and participate in discussions to improve productively with the department, remain up to date for program and investor guidelines, review, analyze and make final determination on loan documentation;main function of job, work with team members to identify potential suggested solutions/exceptions for denied loan files
- Participate in the orientation of new personnel to ensure consistency
- Assist in training and communication of guideline changes
- Serve as a leader/mentor for floor staff
- Actively participate in Underwriting meetings & Team Lead/Supervisor meetings
- Handle reports ADP approvals
- Conduct meetings with reports.
Education
A.A.S in Business Administration -
Red Rocks Community College Lakewood
Lakewood, CO01.2002
High School Diploma -
Wheat Ridge High School
Wheat Ridge, CO01.2001
Skills
- Fair Housing regulations
- Residential mortgage lending regulations
- Loan Program Knowledge
- Customer service
- Financial Data Collection
- Information Verification
- Microsoft Office
- Problem-Solving
Personal Information
- Title: Mortgage Processor
- Work Permit: Authorized to work in the US for any employer
Timeline
Senior Mortgage Processor
HomeAmerican Mortgage Corporation
07.2017 - Current
Senior Mortgage Processor
Fairway Independent Mortgage Corporation
03.2016 - 06.2017
CDL Driver
Summit Respiratory
01.2015 - 03.2016
Underwriter
Urban Lending Solutions
11.2013 - 03.2014
Mortgage Processor
Urban Lending Solutions
08.2013 - 11.2013
Operations Manager
Urban Lending Solutions
10.2012 - 08.2013
Mortgage Processor
Urban Lending Solutions
11.2011 - 10.2012
Quality Assurance Analyst
Urban Lending Solutions
11.2009 - 08.2014
Mortgage Specialist Team Lead
Urban Lending Solutions
11.2009 - 11.2011
A.A.S in Business Administration -
Red Rocks Community College Lakewood
High School Diploma -
Wheat Ridge High School