Judith Sosa

• Assisted with the preparation and closing of loan documents.
• Created and maintained detailed, accurate mortgage files for each loan application received.
• Assisted in analyzing applicants' financial status, credit, and property evaluations.
• Identified and resolved issues that arose during the loan application process.
• Assisted in preparing loan application packages for submission to underwriting.
• Answered questions from both internal staff members as well as external customers regarding the status of their loans.
• Monitored loan progress from application to closing, keeping all parties informed.
• Reviewed credit reports, appraisals, title policies, insurance documents and other relevant paperwork for accuracy and completeness.
• Prepared loan applications and documents by gathering required information from customers.
• Generated weekly pipeline updates for management team members.
• Liaised between borrowers and realtors, title companies and loan company management.
• Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises.
• Collect loan approval conditions needed from the clients and review them

Review files for data Integrity, confirming the information provided matches the system run DU and submit the file to underwriting. . Work closely with the clients, loan officer, or loan officer assistance to collect any documentation needed to obtain loan approval.

• Work proficiency with DU or LP
• Maintain in communication with the borrower regarding there loan status.
• Retrieve all documentation needed per the loan approval and re-submitted the file back to underwriting.
• Order Homeowners insurance once provided with the name & phone # of agent.
• Request tax transcripts
• work closely with the underwriter, closing attorneys, and agents
• Prep and re-disclose an change of circumstance for Loan Estimates,
• Prep the Pre Closing Disclosure to the clients 3 days before closing and review the fees.
• Scheduled the loan closing with the closing attorney and maintain the agents updated

• Managed any conditions sent from underwriting departments.
• Filed completed packages quickly and efficiently to Brokers
• Maintained complete confidentiality of all submitted information according to release guidelines.
• Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
• Evaluated financial statements and contacted institutions and customers to clarify details.
• Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
• Created and completed loan submission packages.
• Submitted completed loan applications, including recommendations for underwriting approval or denial.

Sr. Loan Processor

Neighborhood Mortgage, Inc.

Review files for data integrity work with different Brokers, loan programs & Lenders. Collect documents from clients, pre-underwrite file before sending to lenders for underwriting., Work proficiency with DU, LP, updated agents, clients & attorney with loan information, schedule closings. work remote on a paperless system

• Checked approvals against established bank and government lending standards.
• Managed any conditions sent from underwriting departments.
• Maintained complete confidentiality of all submitted information according to release guidelines.
• Evaluated financial statements and contacted institutions and customers to clarify details.
• Worked with third-party vendors to address and clear loan closing requirements.
• Checked applicant credit, personal references and employment histories.
• Submitted completed loan applications, including recommendations for underwriting approval or denial.
• Created and completed loan submission packages.
• Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
• Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.

Sr. Home Loan Processor

Underwrite Conventional, FHA and loans.

Review files for data integrity, work on different loan programs, collect documents from clients, pre-underwrite files

before sending to underwriting, proficiency with DU, LP. Updated agents, clients, & Attorneys, schedule closings,

Manage a high pipeline, worked on a CORE paperless system

Sr. Loan Processor /Loan Production Assistant

Loan Production Assistant to the loan officer, review the new loans, pre-underwrite file, collect documents from the clients, order insurance, appraisals, title, run loans thru DU /LP, schedule closings, prepare the disclosures for the new loan, prepare the Chang of Circumstance disclosure if need, submit file to review to the underwriter.

Sr. Loan Processor / Administrative Assistance

Administrative assistance to office Manager/CFO, Liaison between Loan Officer's, Financial Planners, clients, and

attorneys.

Process FHA, VA, Conventional.

Review pipeline report, send out disclosures and gather documentation from clients

Review file for data integrity, review pipeline report, run loans threw DU/LP pre-underwrite loans before submitting to different

lender, order title & appraisals, schedule closing

Sr. Loan Processor

Review new loans, pre-underwrite, collect documents from clients, process FHA,VA, and Conventional file, worked

with Sub-prime loans, Underwrite conventional loans with LP Accept or DU approved. Review file for data integrity,

submit to lenders, order title, appraisal, maintain a pipeline report, updated agents, borrows, attorneys updated thru

the loan process

Sr. Loan Processor

Underwrite Conventional, FHA and loans.

Review files for data integrity, work on different loan programs, collect documents from clients, pre-underwrite files

before sending to underwriting, proficiency with DU, LP. Updated agents, clients, & Attorneys, schedule closings,

Review processing pipeline