Julisa Arias
Perth Amboy,New Jersey
Summary
Knowledgeable and efficient Mortgage Processor with 19 years of experience. I work well in fast-paced / busy environment driven by tight deadlines.
Overview
19
19
years of professional experience
Work History
Direct Loan Processor III
Loandepot
REMOTE, CA
10.2020 - 03.2022
- Communicated with customers via telephone to answer questions, process transactions and resolve issues.
- Reviewed and verified borrowers' income, credit reports, property appraisals and supplemental information to prepare documents for underwriting.
- Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
- Generated initial closing disclosure and ensured econsent was done in timely matter to ensure quick closing.
- Reviewed title documents, identified problems and sought out resolutions to smooth title process. Requested deed change requests when needed.
- Coordinated closing schedule with title company and borrower(s)
Senior Mortgage Processor
Provident Bank
Iselin, NJ
04.2020 - 10.2020
- Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
Senior Loan Processor
System One Services
01.2020 - 03.2020
- Created and completed loan submission packages.
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Reviewed and verified borrowers' income, credit reports, property appraisals and supplemental information to prepare documents for underwriting.
Senior Mortgage Loan Processor
HomeBridge Financial Services, Inc
05.2018 - 01.2019
- Performed a thorough review and analysis of borrower's credit, employment, income and assets as required by the particular loan program before submitting to underwriting
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Managed conditions sent from underwriting departments.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
- Worked with third-party vendors to address and clear loan closing requirements.
- Kept a low turn time of 30-40 days and maintained contingency dates.
Funder
First Alliance Home Mortgage
Cranford, NJ
09.2017 - 11.2017
- Verified all funding conditions have been met.
- Verified the accuracy and integrity of all funding figures.
- Reviewed all executed closing documents and obtained additional items needed before authorizing funding approval.
Sr. Mortgage Loan Processor
CrossCountry Mortgage Inc
Cranford, NJ
04.2017 - 09.2017
- Performed a thorough review and analysis of borrower's credit, employment, income and assets as required by the particular loan program before submitting to underwriting.
- Assembled complete loan package for underwriting (verified against checklist, accuracy, identified potential issues).
- Verified that vendor orders were complete.
- Managed pipeline within time frame requirements.
- Issued Pre-CD to borrowers
Mortgage Loan Processor IV
EVERBANK
Woodbridge, NJ
09.2012 - 08.2016
- Reviewed information obtained from loan officers for accuracy, completeness and viability.
- Communicated with 3rd party referral sources as agreed to with loan originator.
- Obtained additional documentation needed from all sources; obtained underwriter loan decisions + approval and closing conditions.
- Made rational risk based decisions with regards to underwriting and processing determinations.
- Verified appraisal, credit and title have been ordered for all files within pipeline.
- Followed up with all third party vendors (appraisals, credit and title) to ensure delivery of required reports.
- Collected, verified and analyzed all documentation required for submitting files to Underwriting.
- Coordinated documentation & communicated credit conditions to both the borrowers as well as the loan originator.
- Processed multiple files within pipeline, all at different stages of the approval process, and took responsibility from start to finish of all files within pipeline.
- Held to a higher level of accountability due to higher level of responsibility and industry knowledge.
- Obtained Lending Authority within 6 months of hire date.
Mortgage Processor
CALIBER HOME LOANS
Tinton Falls, NJ
03.2012 - 08.2012
Mortgage Loan Processor
METLIFE HOME LOANS
Woodbridge, NJ
05.2009 - 03.2012
- Processed mortgage loans according to established timelines, Standard Process Flow, regulations and procedures.
- Ensured file met minimum documentation/product guidelines.
- Performed welcome call to customers.
- Reviewed credit, income, assets, disclosures, ordered title, MI and appraisal, if applicable.
- Completed required checklists/worksheets.
- Obtained additional documentation needed from all sources, while notifying the Mortgage Consultant via Loan Trac/Tango of items missing.
- Updated systems to reflect accurate information.
- Validated AUS if applicable and decision loan if designation authority applies.
- Communicated, prepared and mailed out commitment letter, notice of incompleteness or declination.
- Reviewed title requirements, exceptions, and other information obtained for accuracy, completeness, and conformance.
- Obtained lending authority, approvals up to $417,000.Upon receipt of final approval, prepare authorization to close and send to all parties.
- Reviewed and responded to exception reports, internal and external audits, as required.
- Had solid understanding of all legal regulations relating to processing and closing.
- Performed other related duties as assigned or required.
Mortgage Processor
CHASE
Woodbridge, NJ
10.2002 - 12.2008
- Processed and prepared closings for retail mortgage loans, conventional purchases(s) and refinance(s) under various loan programs in accordance with policies and procedures.
- Issued proper disclosures as required by federal regulatory compliance.
- Set up files and order all necessary exhibits for appraisals and credit reports.
- Followed up on borrowers income/asset documents.
- Calculated income docs upfront for underwriters.
- Issued commitment letter upon receipt of approval from underwriting.
- Reached out to borrowers to explain the detail of the commitment letter, i.e, requested remaining items needed from borrower in order succeed in borrower's expectation of there closing date.
- Coordinated closings between loan officers, buyers, sellers, title companies, escrow agents and real estate agents.
- Obtained lending authority in 2007 - approved 1st mortgages up to $417,000 2nd mortgages up to $100,000.
- Closer/Post CloserClosed a minimum of 4-12 loans per day.
- Double checked processors documentation in each file for accuracy, completeness, & re- reviewed title work.
- Communicated with escrow/settlement agents about vesting and estimated closing fees as well as obtained estimated HUD1s, ensured that all conditions were met prior to preparing closing packages, ensured that all funding conditions were communicated via closing instructions, checked preliminary HUD's before closings to ensure that closing agents met Chase's U/W conditions & policies, prepared and reviewed closing documents and submitted docs to closing/settlement agents with detailed instructions, finalized closing figures.
- Reviewed rate lock and point objectives.
- Signed off on appropriate conditions.
- Submitted wiring information into treasury database.
- Confirmed fundings and closed out deals in PACs system.
- Post closed a minimum of 15-25 loans per day.
- Made sure that all of the documents were signed by the borrowers and closing agent, assured that they met Chase's policy.
Education
MIDDLESEX COUNTY VOCATIONAL AND TECHNICAL HIGH SCHOOL
High School Diploma -
CAMPUS
Skills
- Risk Mitigation
- Document Management
- Mortgage Facilitation
- Credit Reports
- Application Process Management
- Financial Assessment
- Loan Underwriting
- Sound Judgment
- Loan Submissions
- Information Verification
- Escrow Account Management
- Financial Data Analysis
- Title Research
- Client Data Gathering
- Reviewing Financial Paperwork
- Processing Documents
- Appraisals
- Data Entry
- Attention to Detail
Timeline
Direct Loan Processor III
Loandepot
10.2020 - 03.2022
Senior Mortgage Processor
Provident Bank
04.2020 - 10.2020
Senior Loan Processor
System One Services
01.2020 - 03.2020
Senior Mortgage Loan Processor
HomeBridge Financial Services, Inc
05.2018 - 01.2019
Funder
First Alliance Home Mortgage
09.2017 - 11.2017
Sr. Mortgage Loan Processor
CrossCountry Mortgage Inc
04.2017 - 09.2017
Mortgage Loan Processor IV
EVERBANK
09.2012 - 08.2016
Mortgage Processor
CALIBER HOME LOANS
03.2012 - 08.2012
Mortgage Loan Processor
METLIFE HOME LOANS
05.2009 - 03.2012
Mortgage Processor
CHASE
10.2002 - 12.2008
MIDDLESEX COUNTY VOCATIONAL AND TECHNICAL HIGH SCHOOL
High School Diploma -
CAMPUS
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