Michael Joaquin

• Oversaw loan applications from submission through funding
• Coordinated collection of upfront conditions necessary for initial underwriting approval
• Main point of contact between customer and numerous business partners including, but not limited to, sales, underwriting, title, closing, and notary

• Provided support to Platinum Sr. Lending Officer ensuring communication and cooperation with Fulfillment office
• Provided support for primary lending officer on builder loans with KB Homes development community
• Managed loan process from boarding through closing and all communication in between to ensure Close on time and pleasant customer experience
• Managed clerical, administrative and loan processing duties for dedicated lending officer
• Effectively communicated with customers via all forms of contact in order to provide updates and/or obtain required conditions

• Processed loans in house for highest producing branch in nation
• Managed loan process from submission through closing including all communication with clients, on- site sales team, and underwriting

• Provided support to Senior Sales Manager ensuring communication and cooperation with Fulfillment office
• Managed clerical, administrative and loan processing duties of sales office
• Effectively communicated with customers via all forms of contact in order to provide updates and/or obtain required conditions
• Managed pipeline between 80-120 loans from Point of Sale to Closing

• Provided support to Platinum MLO ensuring communication and cooperation with Fulfillment office
• Managed clerical, administrative and loan processing duties of sales office
• Effectively communicated with customers via all forms of contact in order to provide updates and/or obtained required conditions
• Managed Platinum pipeline and loan process from Point of Sale to Closing.

Receipt and Distribution Administrator

• Answered PBX calls and transferred to appropriate parties, answered general inquiries, resolved minor complaints as needed
• Processed upfront disclosures in accordance to government guidelines and mailed accordingly with heavy attention on privacy practices
• Scheduled appraisal inspections with third party service as requested
• Responsible for running daily pipeline reports for management team for entire office as well as creating new reports in effort to enhance productivity
• Logged in packages received prior to distribution
• Resolved customer and vendor concerns with little oversight.

Loan Specialist II

• Processed loans from post-application to closing managing pipeline of 20 -45 loans
• Validated information provided prior to obtaining initial automated underwriting decision
• Heavy daily borrower interaction. Requested conditions as required by underwriting, answered any inquiries, and resolved any issues
• Corroborated data obtained and updated information in EDGE Calculated monthly income, debt-to-income ratios, and borrower assets
• Ordered credit reports, credit report supplements, appraisals, and verified identities and employment
• Prepared and shipped closing document/packages as required ensuring safe and secure receipt
• Scheduled closing document signings between borrowers and multitude of escrow offices

Funder

• Reviewed closing documents with extreme prejudice ensuring all signatures and/or initials were provided
• Obtained required funding conditions per Conditions Management and closing package review
• Ordered Hazard Insurance Declaration Pages from variety of insurance companies with special focus on required length of coverage and accurate loan information/loss payee clause
• Reviewed HUD-1 settlement statements balancing funds exactly Responsible for wiring large sums of money to various bank accounts Shipped loan files and/or post closing documents via FedEx to corporate offices with tracking data entered into Carousel