JUDY MORALES
Los Banos,CA
Summary
Dedicated Mortgage professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
17
17
years of professional experience
Work History
Loan Processor
Premier Mortgage Resources
Hollister, CA
01.2021 - Current
- Supporting underwriters with process of loan application, working closely with Loan Officer, Escrow Company and Client.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Reviewed financial statements and contacted institutions and customers to clarify details
LOAN OFFICER ASST
SIERRA PACIFIC MORTGAGE
HOLLISTER, CA
03.2017 - 01.2022
- Capable of taking loan application and disclosing, gathering and analyzing all items needed for process, ordering appraisal, ensure closing on time.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications and financial history paperwork.
- Work with Loan Officer to create application profile in system and review key information at various stages within process.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution
LOAN OFFICER ASST
AMERICAN FINANCIAL NETWORK
HOLLISTER, CA
09.2011 - 03.2017
- Input loan, collect items needed for submission, send disclosures and prepare file for processor to submit, collect conditions, upload to underwriter, prepare doc request and ensure escrow closes within timely manner
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications and financial history paperwork.
- Documented borrower's information in loan processing system and resolved any discrepancies.
- Assembled important paperwork and disclosures for borrower.
LOAN PROCESSOR
PROSPECT MORTGAGE
CAMPBELL, CA
09.2008 - 09.2009
- Processed mortgage loans from time of submission thru funding.
- Run Desktop Underwriter for loans, and collected conditions from borrowers, verify employment of all borrowers on loan application and ordered appraisal to determine value of property.
- Review bank statements, and income documentation.
- Provided quick turnaround times to maintain fast-past schedule.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants
- Maintained long-term relationships with customers to provide best-in-class customer service
LOAN PROCESSOR
GMAC MORTGAGE
CAMPBELL, CA
04.2004 - 03.2008
- Verify for accuracy, completion & integrity with company standards.
- Develop and nurture relationships with third parties such as title companies, appraisers & closing agents.
- Responsible for gathering, reviewing and submitting conditions to be cleared by underwriter, Prepare files for submission, pull credit reports, review approvals and complete all processor conditions.
- Keep agents up to date on status on all outstanding conditions, confirms fees, follow-up and audit all loan packages.
- Reviewed and approved Conforming Conventional Loans
Education
High School Diploma -
BROADWAY HIGH SCHOOL
SAN JOSE, CA05.1989
Skills
- Proficient Excel
- Word
- Window environment
- Point
- Data Trac / Point / Byte
- Desktop underwriter
Timeline
Loan Processor
Premier Mortgage Resources
01.2021 - Current
LOAN OFFICER ASST
SIERRA PACIFIC MORTGAGE
03.2017 - 01.2022
LOAN OFFICER ASST
AMERICAN FINANCIAL NETWORK
09.2011 - 03.2017
LOAN PROCESSOR
PROSPECT MORTGAGE
09.2008 - 09.2009
LOAN PROCESSOR
GMAC MORTGAGE
04.2004 - 03.2008
High School Diploma -
BROADWAY HIGH SCHOOL
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