Summary
Overview
Work History
Education
Skills
Additional Information
Timeline
Generic

Michael Joaquin

Service Professional
Roseville,CA

Summary

Experienced project coordinator, with lengthy background in finance, risk assessment, hospitality, and customer service, seeking a new opportunity to utilize and expand qualities obtained over years of long-term employment

Overview

14
14
years of professional experience

Work History

Direct Lending Processor III

loanDepot
Foothill Ranch, CA
10.2020 - 03.2022
  • 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

Mortgage Loan Coordinator E/P

Bank of America Home Loans
Roseville, CA, CA
04.2016 - 10.2020
  • 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

Mortgage Loan Specialist

Wells Fargo Home Mortgage
San Jose, CA
04.2015 - 04.2016
  • 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

Home Mortgage Associate

Wells Fargo Home Mortgage
San Jose, CA
04.2012 - 11.2013
  • 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

Mortgage Loan Coordinator

Bank of America Home Loans
San Jose, CA
11.2011 - 03.2012
  • 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.

Support Specialist II

Bank Of America Home Loans
San Jose, CA
04.2006 - 04.2011

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

Education

Associate of Science - Business Administration And Management

San Jose City College
San Jose, CA
05.2001 -

Associate of Science - Business Administration

De Anza College
Cupertino, CA
05.2001 -

Skills

    Credit Risk Assessment

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Additional Information

  • Education and references available upon request

Timeline

Direct Lending Processor III

loanDepot
10.2020 - 03.2022

Mortgage Loan Coordinator E/P

Bank of America Home Loans
04.2016 - 10.2020

Mortgage Loan Specialist

Wells Fargo Home Mortgage
04.2015 - 04.2016

Home Mortgage Associate

Wells Fargo Home Mortgage
04.2012 - 11.2013

Mortgage Loan Coordinator

Bank of America Home Loans
11.2011 - 03.2012

Support Specialist II

Bank Of America Home Loans
04.2006 - 04.2011

Associate of Science - Business Administration And Management

San Jose City College
05.2001 -

Associate of Science - Business Administration

De Anza College
05.2001 -
Michael JoaquinService Professional