Joy Berman
Weatogue,CT
Overview
26
26
years of professional experience
Work History
Mortgage Loan Processor
Fairway Independent Mortgage Company, Inc.
Franklin
04.2020 - 03.2024
- Worked remotely from home during the busiest time in the mortgage Industry
- Assisting manager and 3 Loan Officers with their files they put into processing
- Prepared and submitted the files to underwriting, private insurance companies, whole sale lending banks
- Proficient in maintaining confidentially and complying with all state and government policies
- Excellent attention to detail and ability to prioritize my pipeline files each day
- Analyzing paystubs, bank statements, tax returns, divorce documents, child support records, Title reports and credit reports
- Knowledge of Microsoft, Encompass, Excell, Fannie Mae and Freddie Mac programs
- Direct contact with borrowers, attorneys, paralegals, insurance companies, financial planners, etc
- Gathering all required items and conditions being requested by underwriting and closing for each file
- Constant contact with each borrower helping them and keeping them informed of all happenings with their file from application to closing as well as post-closing
- Multitasking daily
- Strong communication and problem-solving skills for collaboration with team Members
- Processing a pipeline of 72 loans a month, keeping all contracted dates.
Mortgage Loan Processor
Envoy Mortgage, LTD
Manchester
01.2016 - 12.2019
- Prepared and submitted files to our underwriters
- Helping Borrowers with the required items for approval of their mortgage application
- Proficient in Government Loan Program, State Loan Programs Conventional Loan Programs, as well as Specialty Programs
- Great multitasker
- Wonderful communication skills
- Analyzing asset statement, income statements and other personal information
- Assisting Manager with daily office activities; ordering supplies; taking care of walk in clients; office inspections.
Mortgage Loan Processor
Ladd Mortgage, LLC
Canton
10.2012 - 01.2016
- Coordinate with all parties in the loan transaction including being the main point of contact for the borrower, title/escrow, wholesale lender, insurance agent, etc
- Collect all borrower conditions and internal conditions
- Ability to manage a pipeline of 10-15+ loans per month depending on complexity and capacity
- Highly organized and professional in communicating with all parties on the transaction
- Ability to keep track of several files in escrow at once, and respond to all emails and correspondence quickly
- Disclosing of all files to the borrowers and lenders
- Calculating and submitting the NMLS quarterly reports into the NMLS systems
- Knowledge of the TRID guidelines for 6 different lenders and how to properly disclose and close the files
- Utilizing communication skills with Lenders, Attorneys, Borrowers and agents
- Encompass 360 training.
Mortgage Loan Processor
M & G Mortgage Services, Inc.
West Hartford
10.2011 - 08.2012
- Mortgage loan processor for the owners of the company
- Scrubbed, prepared and submitted files to submit to the lenders
- Knowledge of the FNMA, FNMA DU Refi plus, FHLMC, FHA, CHFA, VA type loans
- Extremely articulate when multitasking
- Take a lot of pride in my work knowledge and abilities
- Great communication skills
- Have handled pipelines up to 70 loans in a sequence
- Have worked with Franklin American Mortgage, Mortgage Services Inc., Norcom Mortgage, New Penn Financial, United Wholesale Mortgage.
Sr. Processor/Office Manager
CT Prospect Mortgage Group, LLC / Prospect Financial Services, LLC
Hartford
11.2004 - 12.2011
- Communicating with borrowers, wholesale lenders and attorneys to coordinate mortgage loan approvals and closings
- Working with FNMA/FHLMC guidelines and automated systems
- Did contract underwrite for Amtrust Mortgage as an on-site underwriter
- Responsible for all state and federal filings
- Underwriting and submitting conventional, Sub-prime, 2nd Mortgages, HELOCs
- I provided the training for all office personal
- In charge of hiring office personal
- Responsible for ordering supplies, accounts receivable and accounts payable
- Handled all NMLS registrations, monitoring of all Loan Officers
- I was approved to be an inside Underwriter for Ohio/Amtrust accounts processing and closing all loans from start to finish.
Mortgage Loan Processor
United Mortgage Finance Group
North Haven
04.2002 - 11.2004
- Worked with specific Loan officers and their borrowers to help them with the process of obtaining the right mortgage for their needs
- Using various automated underwriting tools and processes
- FHA, Conventional, Sub-prime and 2nd mortgages/lines of credit
- Specialized in A+ paper loans, closing approximately 20 files a month on my own.
Sr. Mortgage Loan Processor
Mortgage Capital
Farmington
10.2001 - 04.2002
- Dealing with underwriter from varies lenders; communicating directly with the borrowers and attorneys; preparing closing packages for the closing of files.
Mortgage Loan Processor/Office Manager
Society Financial Corporation
Farmington
12.1997 - 10.2001
- Began as the Office Greater moved up to Processor, than to Office Manager
- Day to day office activity, phones; faxes, computers; automated underwriting
- Dealing with appraisal companies, attorneys and various lenders
- Processing FHA, CHFA, VA, Conventional, Sub-prime and 2nd mortgages and lines of credit
- In charge of incoming and outgoing mail, certified packages and lender packages
- Leaning guidelines and keeping up on the current changes to each situation.
Timeline
Mortgage Loan Processor
Fairway Independent Mortgage Company, Inc.
04.2020 - 03.2024
Mortgage Loan Processor
Envoy Mortgage, LTD
01.2016 - 12.2019
Mortgage Loan Processor
Ladd Mortgage, LLC
10.2012 - 01.2016
Mortgage Loan Processor
M & G Mortgage Services, Inc.
10.2011 - 08.2012
Sr. Processor/Office Manager
CT Prospect Mortgage Group, LLC / Prospect Financial Services, LLC
11.2004 - 12.2011
Mortgage Loan Processor
United Mortgage Finance Group
04.2002 - 11.2004
Sr. Mortgage Loan Processor
Mortgage Capital
10.2001 - 04.2002
Mortgage Loan Processor/Office Manager
Society Financial Corporation
12.1997 - 10.2001