Melissa Gomez

• Supports the Community Development Manager (CDM) in production and marketing efforts.
• Co-manage the loan pipeline of the CDM including pre-qualifications and active applications.
• Orders and reviews credit reports.
• Collects and reviews required documents needed for mortgage loan pre-qualification including analyzing income from W2 wage earners and self employed borrowers.
• Structures loan to best fit the needs of each individual client- knowledgeable on Conventional, FHA, VA and Portfolio loan financing options.
• Explains loan terms and conditions to borrowers.
• Acts as a liaison between the borrower, CDM and processor to ensure exceptional customer service.
• Prepare and review the application packages and compliance disclosures for signatures.
• Gathers complete loan package for pre-underwriting submission.
• Stays current on mortgage products, policies, procedures, and underwriting requirements.
• Complies with all applicable state and federal statutes and regulations including RESPA, Truth-in-Lending, ECOA, FCRA/FACT Act, Texas Home Equity rules, the Flood Disaster Protection Act and HMDA.
• Communicates effectively with external bank clientele (title companies, realtors to ensure a timely response).
• Prioritizes and performs multiple tasks in a constantly changing fast-paced team environment.

• Monitor performance of existing business loans and update risk assessments.
• Analyze updated financial statements & evaluate financial ratios to determine the applicant's profitability, liquidity and ability to repay.
• Ensure compliance with loan covenants and internal policies and procedures.

Temporary Special Assignment- QC Texstar Files after acquisition

• Support mortgage loan officers in production and marketing efforts.
• Co-manage the loan pipeline and online loan applications.
• Collects and reviews borrower's supporting documentation and checks for compliance to ensure completeness and accuracy of the credit package.
• Pulls and reviews credit reports.
• Reviews and calculates income based off documentation provided (paystubs, tax returns, etc).
• Reviews bank statements and all other initial checklist documents provided by borrower to be able to determine pre-qualification.
• Inputs/runs loans thru automated underwriting systems- DU/LP.
• Tracks loan conditions to ensure they are satisfied.
• Communicate effectively & professionally with borrowers keeping them updated and answering any questions they have throughout the mortgage process.
• Tracks lock expirations.
• Prioritizes and performs multiple tasks in a constantly changing fast-paced team environment.

• Orders all required verifications to include preliminary title reports, appraisals, surveys and flood certificates.
• Communicates with loan officer and borrowers effectively to be able to gather all documents needed to satisfy all underwriting loan conditions.
• Updates and monitors loans in process as reflected on the inventory and tracking reports.
• Follows up on all required verifications in accordance with departmental procedures and time frames. Documents the action taken to obtain the required verifications on appropriate conversation log.
• Reviews incoming verifications for completeness and determine if they are ready for submission to underwriting.
• Performs additional tasks, duties and special projects, as assigned.