Summary
Overview
Work History
Education
Skills
Relevant Accomplishments
References
Timeline
BusinessAnalyst
MICHELLE BELTRAN

MICHELLE BELTRAN

Riverside,CA

Summary

Results-oriented Loan Processor highly effective at coordinating documents and processes between departments, individuals and government offices. Expert negotiator, problem solver and organizer. Over 30 years of experience in loan processing and mortgages. Attention to detail, very efficient and resourceful.. Excellent trouble shooting and problem-solving skills as well as thrive working in a stress related environment and high volumes.

Experience in Calyx Point, Encompass, Lending QB, DO/DU, LP, FHA/VA CALHFA, Nevada Housing, Win forms, DocuSign, Excel, Word, MS Office, Escrow Base, LBQ, Encompass and Teams.

Overview

26
26
years of professional experience

Work History

Sr. Loan Processor- Remote

BR Capital & Finance
03.2022 - 03.2024
  • Streamlined loan processing by implementing efficient workflow systems and task prioritization.
  • Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
  • Reduced loan processing time by developing and employing standardized documentation procedures.
  • Collaborated with underwriting team to ensure accurate risk assessment and appropriate loan approvals.
  • Conducted thorough borrower credit analysis to accurately assess financial stability and minimize default risks.
  • Maintained compliance with federal regulations by meticulously reviewing all loan documents, ensuring accuracy, and completeness.
  • Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
  • Expedited funding process by closely collaborating with closing agents to resolve any outstanding issues promptly.
  • Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
  • Developed a comprehensive understanding of various lender guidelines which helped expedite loan approvals.
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
  • Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
  • Coordinated seamlessly with sales teams to ensure proper alignment of expectations and timelines between clients and internal departments.
  • Organized detailed records of completed loans for easy retrieval during audits or reviews.

Sr. Loan Processor- Remote

Paramount Residential Mortgage Corporation
06.2021 - 02.2022
  • Process Residential mortgage loans, Conventional, FHA, VA, Jumbo and various DPA programs, loans from origination to closing
  • Review loan application, run credit, AUS, verify income & assets and program
  • Obtain items needed for FHA and VA loans through FHA connection and VA Webology websites
  • Processing included but not limited to ordering initial disclosures, loan submission, order appraisals, order transcripts, SSA Verifications, lock loans, clear conditions, order CD's, order loan docs, and funding of loan as well as any post-closing conditions
  • Stay up to date with RESPA/TRID and COVID-19 Guidelines
  • Keep communication between buyers, agents, loan officers, escrow and title throughout the transaction and maintain deadlines
  • Maintain a pipeline of 40 to 60 loans for loans in California, Nevada, Texas and Florida
  • Closing average 20 loans per month.

Sr. Loan Processor - Remote

ML Mortgage
05.2020 - 06.2021
  • Process Residential mortgage loans, Conventional, FHA, VA, Jumbo and various DPA programs, loans from origination to closing
  • Review loan application, run credit, AUS, verify income & assets and program
  • Obtain items needed for FHA and VA loans through FHA connection and VA Webology websites
  • Processing included but not limited to ordering initial disclosures, loan submission, order appraisals, order transcripts, SSA Verifications, lock loans, clear conditions, order CD's, order loan docs, and funding of loan as well as any post-closing conditions
  • Stay up to date with RESPA/TRID and COVID-19 Guidelines
  • Keep communication between buyers, agents, loan officers, escrow and title throughout the transaction and maintain deadlines
  • Maintain a pipeline of 40 to 60 loans for loans in California, Nevada, Arizona, Texas, Washington, and Florida
  • Closing average 20-25 loans per month.

Sr. Loan Processor - Remote

JMAC
03.2019 - 04.2020
  • Process Residential mortgage loans, Conventional, FHA, VA, Jumbo and various DPA programs, loans from origination to closing
  • Review loan application, run credit, AUS, verify income & assets and program
  • Processing included but not limited to loan submission, order appraisals, order transcripts, SSA verifications, lock loans, clear conditions, order CD's, order loan docs, and funding of loan as well as any post-closing conditions
  • Stay up to date with RESPA/TRID Guidelines
  • Keep communication between buyers, agents, loan officer's, escrow, and title throughout the transaction and maintain deadlines
  • Maintain a pipeline of 50 loans for loans in California, Nevada, Arizona, Texas, and Florida
  • Closing an average of 15-20 per month.

Sr. Loan Processor

DOOR WAY HOME LOANS
09.2017 - 12.2018
  • Process Residential mortgage loans, Conventional, FHA, VA, Jumbo and various DPA programs, loans from origination to closing
  • Prequalify potential buyers for real estate agents and perform cross-qualify offers received
  • Review loan application, run credit, verify income etc
  • Processing included but not limited to loan submission, lock loans, order loan docs, clear conditions, and funding of loan
  • Stay up to date with RESPA/TRID Guidelines
  • Keep communication between buyers, agents, loan officer's, escrow, and title throughout the transaction.

Sr. Loan Processor/ Office Manager

SYMBOLIC HOLDINGS GROUP
04.2013 - 09.2017
  • Oversee pipeline and prepare monthly and quarterly reports for broker for BRE/NMLS reporting
  • Monitor and maintain the monthly QC of files
  • Process Residential mortgage loans, Conventional, FHA, VA, Jumbo, Calhafa, HARP loans from origination to closing
  • Processing included but not limited to loan submission, lock loans, order loan docs, prep docs for signing, clear conditions and funding of loan
  • Review file and prepare prequal for buyers for purchase
  • Keep communication between LO's and AE's for all approved lenders and update loan officers of programs and guideline changes for each lender
  • Work closely with real estate agent, lenders, title and escrow
  • Maintain a good relationship with my AE's and all parties involved
  • Stay up to date with RESPA TRID guidelines
  • Assist Loan Officers and Real Estate Agents with all their transactions as needed and TC of files.

Sr. Loan Processor

PINPOINT LENDING
10.2008 - 04.2013
  • Oversee pipeline and prepare monthly and quarterly reports for broker for BRE reporting
  • Monitor and maintain the monthly QC of files
  • Process Residential mortgage loans, Conventional, FHA, VA, Jumbo, CalHafa Access, HAMP and HARP loans from origination to closing
  • Processing included but not limited to loan submission, lock loans, order loan docs, prep docs for signing, clear conditions and funding of loan
  • Review file and prepare prequal for buyers for purchase
  • Keep communication between AE's for all approved lenders and update loan officers of programs and guideline changes for each lender
  • Work closely with real estate agent, lenders, title and escrow
  • Maintain a good relationship with my AE's and all parties involved
  • Stay up to date with RESPA guidelines
  • Assist Loan Officers and Real Estate Agents with all their transactions as needed and TC of files
  • Process Loan modifications and Short Sales.

Sr. Loan Processor

ALLIANCE CAPITAL REALTY & LENDING
11.2004 - 11.2007
  • Process residential mortgage loans, FHA, and conventional which include but limited to loan submission, conditions, lock loans, order loan docs and closings
  • Prepare prequals for potential buyers
  • Order VOE, VOD, VOM's, run credit etc
  • Obtain the necessary documentation from the buyer, escrow, title and real estate agents
  • Order FHA case numbers run DO/DU
  • Follow u/w guidelines for each of my lenders plus stay on top of new FNMA and FHA guidelines
  • Work closely with real estate agent, lenders, title and escrow
  • Maintain a good relationship with my AE's and all parties involved
  • Maintain Monthly pipeline reports
  • Process Loan Modifications and Short Sales
  • Oversee and managed the Escrow Division (East Vale Settlement Services).

Asst. VP Shipping/Collateral Dept.

FIRST MORTGAGE CORPERATION
11.2004 - 11.2007
  • Work closely with the Vice President and President as well as assist in managing of their departments, which include funding, shipping, Post Closing, and FHA & VA Insuring
  • Review files for accuracy for investor guidelines and oversee the shippers to make sure they meet all investor conditions to complete loan purchase prior to lock expiration date
  • Personally handle problem files which require detailed troubleshooting
  • Conducted monthly QC Audits to meet FHLMC, FNMA, CHFA, STRS and PERS Guidelines and reconcile monthly FHLMC and FNMA billing
  • Worked closely with the Controller as to maintain our warehouse lines based upon the purchase of sales in a timely manner.

Branch Manager

PACIFIC WEST MORTGAGE
06.2004 - 11.2004
  • Oversee the operations for Real Estate (Inland Realtors), Escrow (East Park Escrow) and Loan Financing departments
  • Manage all loan processing, escrow closings, and daily quality control functions
  • Oversee all employees including hiring and training which include 4 loan processors, 2 escrow officers, 7 loan officers and 5 real estate agents
  • Responsible for the accounting for the company (A/R, A/P and Payroll/Commissions) which include preparing the monthly budgets
  • Responsible for acquiring new lenders and training processors with new lender guidelines and procedures
  • Maintain Lender, Title and client relationships and handle customer service calls
  • Assist the broker and owner in all their daily functions
  • Managed 13 rental properties owned by the company including preparing rental agreements, collecting rents, evicting and acquiring tenants
  • Created and implemented the Quality Control of loans for the company
  • Responsible for the overall production of the company.

Sr. Loan Processor

PACIFIC WEST MORTGAGE
03.1998 - 06.2004
  • Responsible for loans from origination to closing including locking loans, ordering of loan documents and closings to ensure that all doc and funding conditions have been met in a timely manner
  • Managed the loan processors and oversee pipeline
  • Take applications when loan officer is unavailable
  • Order credit reports, appraisal, open escrow and obtain necessary VOE, VOD and VOM's as well as obtain and calculate income documentation required from borrower
  • Processed loans using Calyx Point and DO as well as upload files to lenders Automated Underwriting Systems
  • Assist loan officers to obtain any documentation or conditions that may be needed to order loan docs and for funding.

Education

Associate of Arts - Business Administration And Management

Saddleback College
Mission Viejo, CA

High School Diploma -

Saddleback High School
Santa Ana, CA

Skills

  • Generating Reports
  • Information Verification
  • Strong attention to detail
  • Escrow Coordination Experience
  • Documentation Review Competence
  • Regulatory Compliance Knowledge
  • Title Review Understanding
  • Team Collaboration Strengths
  • Pipeline Management Know-How
  • Fraud Detection Awareness
  • Adaptability to Change
  • Advanced Organizational Skills
  • Decision-Making Confidence

Relevant Accomplishments

  • Various training seminars through my employers to enhance my productivity.

References

Available Upon Request

Timeline

Sr. Loan Processor- Remote

BR Capital & Finance
03.2022 - 03.2024

Sr. Loan Processor- Remote

Paramount Residential Mortgage Corporation
06.2021 - 02.2022

Sr. Loan Processor - Remote

ML Mortgage
05.2020 - 06.2021

Sr. Loan Processor - Remote

JMAC
03.2019 - 04.2020

Sr. Loan Processor

DOOR WAY HOME LOANS
09.2017 - 12.2018

Sr. Loan Processor/ Office Manager

SYMBOLIC HOLDINGS GROUP
04.2013 - 09.2017

Sr. Loan Processor

PINPOINT LENDING
10.2008 - 04.2013

Sr. Loan Processor

ALLIANCE CAPITAL REALTY & LENDING
11.2004 - 11.2007

Asst. VP Shipping/Collateral Dept.

FIRST MORTGAGE CORPERATION
11.2004 - 11.2007

Branch Manager

PACIFIC WEST MORTGAGE
06.2004 - 11.2004

Sr. Loan Processor

PACIFIC WEST MORTGAGE
03.1998 - 06.2004

Associate of Arts - Business Administration And Management

Saddleback College

High School Diploma -

Saddleback High School
MICHELLE BELTRAN