Latoya V. Peterkin
Bronx,USA
Summary
Dynamic mortgage professional with extensive experience at US Capital Advisors LLC, excelling in mortgage analysis and regulatory compliance. Proven track record in client relationship management and workflow coordination, ensuring timely loan approvals. Adept at utilizing mortgage software and leading teams to enhance operational efficiency and achieve outstanding results.
Overview
25
25
years of professional experience
Work History
Owner
US Capital Advisors LLC
Brooklyn, New York
2023.11 - Current
- Advised clients on tailored mortgage options and financial solutions to meet individual needs.
- Analyzed customer financial data to recommend suitable mortgage products.
- Prepared and reviewed loan documents for accuracy and compliance.
- Collaborated with real estate agents to streamline mortgage applications.
- Utilized software systems for tracking loan applications and processing.
- Provided ongoing support throughout the mortgage approval process.
- Facilitated communication among clients, lenders, and third-party vendors to ensure seamless mortgage processing.
- Oversaw daily operations, ensuring compliance with company policies and enhancing service delivery.
- Trained new employees on safety protocols and operational procedures.
- Coordinated workflow between teams to improve efficiency and productivity.
Mortgage Analyst
CrossCountry Mortgage
Smyrna, USA
2020.01 - 2022.01
- Corresponded with loan representatives, underwriters, and bank attorneys to facilitate loan approvals and clear conditions.
- Cleared loan conditions by reviewing documentation and ensuring compliance with requirements.
- Reviewed loan packages for completeness, ensuring compliance with regulatory guidelines.
- Review appraisals, analyze credit report.
Mortgage Processor / Mortgage Closer
Quorum Federal Credit Union
Purchase, USA
2018.01 - 2019.01
- Processed second mortgages by collaborating with loan officers and underwriters from approval through post-closing of the mortgage loan.
- Collaborated with Loan Officer and Underwriter to resolve file discrepancies, ensuring timely rate locks, compliance, and delivery of committed loans.
- Analyzed and cleared underwriting conditions, resolved title issues, and prepared loan files for closing attorney.
- Manages satisfactory reviews and clearance of underwriting conditions which include, but are not limited to income, asset documentation and collateral documentation.
- Ordered appraisal, flood certifications, and title reports; reviewed for discrepancies and coordinated with relevant parties to resolve outstanding issues.
Mortgage Sales Assistant
Capital One Home Loans
New York, USA
2017.01 - 2018.01
- Reviewed loan packages for completeness and ensured document compliance with regulatory and compliance guidelines, contributing to smoother processing.
- Corresponded with processors, underwriters, closers, and bank attorneys to obtain necessary information, facilitating loan approvals and condition clearings.
- Restructured files by obtaining VOE, VOR, VOM, and credit supplements to streamline operations.
- Conducted weekly pipeline meetings with processing to update loan officers on loan status.
- Closed out each mortgage by making sure the checklist was accurately completed.
- Assisted the brokers in creating effective marketing campaigns both in print and online.
Mortgage Analyst
Luxury Mortgage Corp.
Westchester, USA
2012.01 - 2017.01
- Reviewed appraisals and analyzed credit reports to assess loan eligibility.
- Corresponded with loan representatives, underwriters, and bank attorneys to gather necessary information for timely loan approval and closing.
- Resolved outstanding loan conditions to facilitate approval process.
- Reviewed loan packages for completeness and ensured compliance with regulatory guidelines, facilitating smooth processing.
Mortgage Analyst
GFI Mortgage Bankers, Inc.
New York, USA
2009.01 - 2011.01
- Reviewed and resolved loan approval conditions, facilitating timely approvals.
- Corresponded with loan reps, underwriters, and bank attorneys to gather information, expediting approval, clearing of conditions, and loan closings.
- Reviewed loan packages for completeness, ensuring compliance with regulatory and compliance guidelines.
- Reviewed appraisals, Analyzed credit report.
Mortgage Analyst
Emigrant Mortgage Company
Elmsford, USA
2008.01 - 2009.01
- Reviewed appraisals and analyzed credit reports to assess loan eligibility.
- Reviewed loan packages for completeness, ensuring compliance with regulatory and compliance guidelines to support loan approval process.
- Cleared loan conditions by reviewing documentation and ensuring compliance.
- Corresponded with loan reps, underwriters, and bank attorneys to gather information, facilitating loan approval, condition clearing, and closing.
Underwriter/Processor
Mortgage IT a subsidiary of Deutsche bank
White Plains, USA
2003.01 - 2007.01
- Underwrote conventional loans.
- Reviewed loan packages for completeness, verified compliance with regulatory guidelines, and submitted files to lenders for approval.
- Cleared conditions on suspended and approved files, updated insurance, reviewed appraisals and titles, and analyzed credit report.
- Reviewed appraisals, analyzed credit report, ordered payoffs and updated insurance.
- Liaised between banking officers and customers to ensure clear communication and efficient loan processing.
- Corresponded with loan officers, underwriters, closers, and title companies to gather information, facilitating approval and clearing of conditions for loan closings.
- Coordinated ordering of title and CEMA documents for loan processing.
- Assisted lawyers in the clearing of Title.
- Scheduled closings with the banks, lawyers, clients and title companies.
Office Manager/Processor
Pyramid Capital Group
White Plains, USA
2001.01 - 2003.01
- Managed office functions and supervised team to ensure smooth operations.
- Screened and interviewed candidates to identify suitable new employees.
- Selected Financial institution for pre-approved clients for Home equity, Financing and second Mortgage Loans.
- Reviewed loan packages for completeness and verified that documents complied with regulatory and compliance guidelines.
- Cleared conditions on loan files, updated insurance, reviewed appraisals, titles, and analyzed credit reports for compliance.
- Constantly corresponded with loan officers, underwriters, closers, title companies and related parties to obtain information to facilitate the approval, clearing of conditions and closing of loans.
Processor
Aaria Mortgage Corp.
New Rochelle, USA
Junior Processor
Morgan Funding Corp.
Bronx, USA
Education
Associate in Applied Science - Finance
Westchester Community College/SUNY
Valhalla, NYSkills
- Mortgage analysis
- Regulatory compliance
- Loan processing
- Financial documentation
- Risk assessment
- Mortgage Software- Calyx
- Empower
- Encompass
- Genesis
- DU
- DO
- LP
- Emits
- Zippy
- Data analysis
- Workflow coordination
- Project management
- Team leadership
- Problem resolution
- Excel
- Client relationship management
Websites
Timeline
Owner
US Capital Advisors LLC
2023.11 - Current
Mortgage Analyst
CrossCountry Mortgage
2020.01 - 2022.01
Mortgage Processor / Mortgage Closer
Quorum Federal Credit Union
2018.01 - 2019.01
Mortgage Sales Assistant
Capital One Home Loans
2017.01 - 2018.01
Mortgage Analyst
Luxury Mortgage Corp.
2012.01 - 2017.01
Mortgage Analyst
GFI Mortgage Bankers, Inc.
2009.01 - 2011.01
Mortgage Analyst
Emigrant Mortgage Company
2008.01 - 2009.01
Underwriter/Processor
Mortgage IT a subsidiary of Deutsche bank
2003.01 - 2007.01
Office Manager/Processor
Pyramid Capital Group
2001.01 - 2003.01
Processor
Aaria Mortgage Corp.
Junior Processor
Morgan Funding Corp.
Associate in Applied Science - Finance
Westchester Community College/SUNY