Summary
Overview
Work History
Education
Skills
Technicalexperience
Languages
Software
Timeline
Generic
KRISTINE PAULINO

KRISTINE PAULINO

Port Saint Lucie,FL

Summary

Processing Manager with excellent track record in collaboration across departments to evaluate, design and implement business processes. Consistently improved processes with management using positive approaches. Well-established data analysis experience with 8+ years in Encompass experience. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

21
21
years of professional experience

Work History

Processing Manager

AnnieMac Home Mortgage
03.2023 - Current
  • Hold weekly meetings with processing team to effectively meeting closing dates and meet processing goals. Also reviewed in these meetings refreshers to keep team up to date on new credit policies.
  • Evaluated and assessed employee performance to meet production and data targets.
  • Mentored departmental team, boosting efficiency, success and morale among employees.
  • Successfully manage team of 8 mortgage processors providing assistance and answering questions.
  • Currently hold pipeline of 30+ loans varying between Conventional, FHA, VA and Non QM loans
  • Work with compliance Department on fails or alerts
  • Submit new submissions to Non QM investors as well as uploading conditions and working to obtain Clear to close
  • Maintain weekly pipeline meetings with Loan officers/Branch managers to ensure files are closing on time
  • Complete needs list and welcome calls on all loans . As well as complete any and all internals
  • Train all processors on our division policies and procedures
  • Work with customers and loan officers via telephone to answer questions, process transactions, and resolve issues.
  • Prepare files for final clear-to-close and scheduled with settlement agents
  • Sent out LEs and CDS for files
  • Restructure loans with sales and processors to ensure file meets guidelines
  • Review resumes and interviewed candidates for processing department

Operations Manager

Family First Funding, LLC.
01.2016 - 03.2023
  • Managed a team of 10+ processors
  • Managed weekly meetings to ensure numbers and closings were met
  • Ran Mavent (know how to run, read and fix alerts)
  • Ran fraud guard and cleared loan safe alerts on NON QM loans
  • Verified and compiled documentation for loan file to prepare for underwriting
  • Reviewed loan application file to verify data is complete and accurate and meets establishment standards
  • Reviewed loan approvals with customers and attorneys
  • Worked directly with customers to receive conditions and submit to the underwriter
  • Processed conventional (FNMA/Freddie Mac), FHA & VA, 203k, Homestyles and NON QM loans
  • Carried a pipeline of over 30 + loans
  • Completed Welcome calls, needs list ordered transcripts and WVOES along with VODS if required
  • Completed the Itemization screen and compared apr-able fees/Non apr-able fees
  • Identified and resolved unauthorized, unsafe, or ineffective practices.
  • Established positive and effective communication among unit staff and organization leadership, reducing miscommunications, and missed deadlines.
  • Supervised operations staff and kept employees compliant with company policies and procedures.
  • Ran AUS and reviewed to submit to the underwriter
  • Processed employee loans
  • Trained processors and junior processors
  • Over saw the Non Del Department
  • Processed Reverse loans
  • Systems worked with Encompass.
  • Reviewed resumes and interviewed candidates for the processing department

Senior Mortgage Processor

Atlantic Home Loans, Inc.
02.2015 - 11.2015
  • Verified and compiled documentation for loan file to prepare for underwriting
  • Reviewed loan application file to verify data is complete and accurate and meets establishment standards
  • Reviewed loan approvals with customers and attorneys
  • Worked directly with customers to receive conditions and submit to the underwriter
  • Processed conventional (FNMA/Freddie Mac), FHA & VA
  • Carried a pipeline of over 30 + loans
  • Completed Welcome calls, ordered transcripts and WVOES along with VODS if required
  • Ran AUS and reviewed to submit to the underwriter
  • Systems worked with Encompass.

Account Manager

American Financial Resources, Inc.
07.2012 - 01.2015
  • Prepared the filed for underwriting
  • Reviewed loan approvals with broker
  • Worked directly with brokers to receive conditions and submit to the underwriter
  • Processed for 3-4 Account Executives and worked with over 30 different brokers
  • Processed conventional (FNMA/Freddie Mac), FHA, VA, and 203 k
  • Carried a pipeline of over 60 + loans
  • Completed Welcome calls, ordered transcripts and WVOES along with VODS if required
  • Ran AUS and reviewed to submit to the underwriter
  • Ran TILs and Loan Detail reports to make sure loan is a Qualified Mortgage
  • Reviewed Title for any open liens etc
  • Systems worked with Datatrac, Webtrac and was transitioning into Encompass and Virpak.

Loan Processor

Weichert Financial Services, Inc.
10.2011 - 07.2012
  • Prepared files for underwriting
  • Calculated income, reviewed assets and credit reports to ensure qualifications for loan programs
  • Processed for over 6 Mortgage Loan Officers
  • Processed conventional, FHA and VA loans
  • Scheduled the loans to close
  • Prepared the closing package for the closer
  • Carried a pipeline of over 50+ loans
  • Programs that I worked with Globe and InHouse.

Home Service Specialist II

Bank of America
05.2006 - 08.2011
  • Ordered title, payoffs and updated homeowner insurance policies
  • Prepared files for underwriting
  • Calculated income, reviewed assets and credit reports to ensure qualifications for loan programs
  • Processed for over 25 Mortgage Loan Officers
  • Cleared conditions to obtain a clear to close on files
  • Reviewed and cleared title
  • Scheduled the loans to close
  • Processed conventional, FHA and 203k refinance and purchase loans
  • Closed 20 + loans a month
  • Programs worked with AS400, Edge, Outlook and Statusmart, along with Microsoft Office
  • Worked with CLUES and DU
  • Ran credit, pulled flood certificates and ordered appraisals through Landsafe
  • Worked with customers on a day to day basis
  • Approved CLUES Accept Level 1 files
  • Assisted my manager on his daily duties with the team
  • Covered my manager and managed the team when he was not available
  • Trained new processors
  • Excellent knowledge of all guidelines, and products.

Senior Loan Processor

MLD Mortgage, Inc.
10.2003 - 05.2006
  • Ordered title, payoffs and updated homeowner insurance policies
  • Prepared files for underwriting
  • Calculated income
  • Processed for over 15 Mortgage Loan Officers
  • Reviewed title
  • Scheduled the loans to close
  • Prepared the closing package for the closer
  • Processed A, B and C paper deals
  • Programs worked with Morevision and Calyx
  • Closed 30-40 plus loans a month
  • Worked with DU, DO, LP and Clout
  • Worked with Flagstar Underwriting
  • Worked with Conventional, subprime and FHA deals
  • Inputted the loan applications into the system
  • Ran Credit and pulled flood certificates through Landsafe
  • Worked with Customers on a day to day basis.

Education

High School Diploma -

Essex County Vocational Technical High School
Newark, NJ
06.2001

Skills

  • Cost Reduction
  • Regulations oversight
  • Team Meetings
  • Workflow Management
  • Workflow Analysis
  • Fluent in Spanish reading writing and speaking
  • Ability to handle multiple tasks and maintain confidentiality
  • Excellent Customer Service and communication
  • 10 year Encompass experience
  • Proficient in Meeting deadlines
  • 7 years experience in Non QM loans

Technicalexperience

  • Microsoft Office XP (Word, Excel, PowerPoint, Outlook)
  • Microsoft Word 2007
  • Calyx
  • AS400
  • Edge
  • Internet

Languages

Spanish
Native or Bilingual

Software

Encompass, Microsoft office, Simple Nexus, Point Calyx

Timeline

Processing Manager

AnnieMac Home Mortgage
03.2023 - Current

Operations Manager

Family First Funding, LLC.
01.2016 - 03.2023

Senior Mortgage Processor

Atlantic Home Loans, Inc.
02.2015 - 11.2015

Account Manager

American Financial Resources, Inc.
07.2012 - 01.2015

Loan Processor

Weichert Financial Services, Inc.
10.2011 - 07.2012

Home Service Specialist II

Bank of America
05.2006 - 08.2011

Senior Loan Processor

MLD Mortgage, Inc.
10.2003 - 05.2006

High School Diploma -

Essex County Vocational Technical High School
KRISTINE PAULINO