Summary
Knowledgeable Loan Processor offering expertise in legal statutes and established lending guidelines. Excellent communication and negotiation skills. Offering 10-year history of successful loan and mortgage processing.
Overview
2
2
Languages
10
10
years of professional experience
Work History
Sr. Loan Processor, Non-QM
MC Team
Meza, AZ
2024 - Current
- Manage a monthly pipeline of approximately 35 Conforming and Non-QM loan files from application through closing while maintaining a 97% documentation accuracy rate.
- Partner with Mortgage Loan Officers (MLOs) and Account Executives (AEs) to structure complex Non-QM loan scenarios and ensure investor guideline compliance.
- Structured loan packages by properly analyzing credit reports, income and asset documents.
- Calculated, reviewed, and corrected errors on interest rates, closing costs, and payment terms to ensure accuracy.
- Coordinated appraisal orders and reviewed appraisal reports for accuracy and compliance.
- Communicated with applicants to gather additional information and answer queries regarding loan processes.
- Monitored compliance with regulatory requirements throughout the process.
- Identified valuable solutions for customers with credit problems.
Sr. Mortgage Processor
Primerica Financial Services
Duluth, GA
2020 - 2024
- Consistently closed an average of 50 loans per month while ensuring timely processing, accuracy, and compliance with all deadlines.
- Reviewed borrower income, assets, employment, credit, and supporting documentation to accurately determine eligibility.
- Maintained compliance with agency, investor, TRID, and RESPA requirements throughout the mortgage process.
- Cleared underwriting conditions efficiently and monitored loan milestones to ensure on-time closings.
- Trained MLOs on complete, compliant loan submissions, enhancing file quality and minimizing processing delays.
- Collaborated with underwriters, title companies, escrow officers, and borrowers to facilitate smooth closings.
- Maintained detailed records of all transactions and communications.
Sr. Loan Processor
SMCU
San Mateo, California
2015 - 12.2019
- Processed loan applications efficiently and accurately for SMCU members.
- Verified credit reports for accuracy and completeness prior to loan approval.
- Analyzed income documentation including pay stubs, W2s, tax returns, bank statements to determine borrowers' ability to repay the loan.
- Reviewed appraisals for accuracy, ensuring compliance with underwriting standards prior to loan approval or denial.
- Checked approvals against established bank and government lending standards.
- Prepared and coordinated documents with attorneys, title companies, lenders, and other third parties to streamline closing processes.
- Collaborated closely with underwriters when reviewing files for final approval.
Education
Bachelor of Science - International Business
01-2005
- Completed Advanced Loan Processing Course
Skills
- Mortgage expertise in Conforming, QM and Business Purpose Loans
- Loan processing software: Arive and LendingPad
- Loan underwriting skills
- Pipeline management
- Attention to detail
- Report generation
- Time management strategies
- Team collaboration techniques
- Customer service excellence
- Cross-selling strategies
- Problem solving
- Proficient in MS Office, Google Workspace and Salesforce CRM
Languages
English
Proficient (C2)
C2
Spanish
Proficient (C2)
C2
Timeline
Sr. Loan Processor, Non-QM - MC Team
2024 - Current
Sr. Mortgage Processor - Primerica Financial Services
2020 - 2024
Sr. Loan Processor - SMCU
2015 - 12.2019
San Francisco State University - Bachelor of Science, International Business
Campus Mortgage - ,