Maria Caste

Managed a multi-state loan pipeline of 100+ loans & assisted the Wholesale Business Partners & inside operations staff in the coordination of all functions related to the processing & closing of all loans.

Monitored key transaction dates & communicated with Brokers, Account Executives & vendors on outstanding documentation required to meet contract deadlines & lock expirations.

Responded to Broker calls & emails promptly, addressed their questions & concerns & escalated issues & errors to the assigned Underwriter & Dept. Managers when necessary.

Reviewed documentation & cleared or updated conditions pertaining to disclosures, credit inquiries, appraisals, title work, flood certifications, insurance & payoffs, for compliance with lender & program guidelines.

Ordered CDs, coordinated closings & conducted pre-closing reviews.

Maintained a zero percent error rate on quality control reviews.

Approved, declined or counter offered conventional loans using automated underwriting recommendations (DU/LP) & manual underwriting guidelines.

Reviewed & analyzed individual loan applications, credit, income, asset & other supporting documents, title work & appraisals, for compliance with lender, investor & federal/state guidelines & to ensure repayment.

Collaborated with clients & teammates to identify potential alternatives & solutions to difficult loans.

Trained Jr. Underwriters on lender workflow & guidelines.

Assisted the auditing dept. in pre-closing quality reviews to ensure compliance with guidelines & provided feedback to avoid potential salability issues.

Completed all underwriting & auditing assignments in a timely manner with a zero percent error rate on local & corporate quality control audits.