Summary
Overview
Work History
Education
Skills
References
Timeline
Generic

Misty Orwig

Phoenix,AZ

Summary

Looking to continue to grow within my mortgage career in the origination / operation fields , I am looking to work for a stable company closer to my home with benefits affordable for my family. I Have multiple years working in processing as well as originations. I hope to join a strong team and company that puts employees and their consumers' interest first. A company that can find a way to meet the consumer needs and yet give employees the work/life balance they need.

Reliable and Responsible Used to working in a high pressure fast paced environment Extensive experience with customer service Strong Organizational skills, time management and problem solving General office skills and computer knowledge Great communication with co workers, customers, and management Creative think outside the box Problem solver Microsoft word, excel and adobe knowledge 60 + wpm typing speed Create a good working environment for co workers, relaxed though efficient.

Overview

18
18
years of professional experience

Work History

Customer Advocate

Freedom Mortgage
06.2021 - 02.2022
  • As a customer advocate my main job function is to be the communicator between all active parties involved from Purchase to refinance
  • To ensure our clients and sales partners understand the required documentation needed to complete the loan process with our company
  • I have worked loan for VAg and conventional

Mortgage Loan Processor 1

USAA
Phoenix, AZ
12.2019 - 03.2021
  • As a loan processor my main job function is to be the communicator between all active parties involved from Purchase to refinance
  • To ensure our clients and sales partners understand the required documentation needed to complete the loan process with our company
  • I have worked loan for VA and conventional

Sr. Mortgage Loan Processor 3

US Bank
Scottsdale, AZ
07.2019 - 11.2019
  • As a loan processor my main job function is to be the communicator between all active parties involved from Purchase to refinance
  • To ensure our clients and sales partners understand the required documentation needed to complete the loan process with our company
  • I have worked all loan types from FHA, new construction and conventional

Sr. Mortgage Loan Processor/ Client Care Specialist

Chase
Phoenix, AZ
02.2018 - 06.2019
  • As a loan processor my main job function is to be the communicator between all active parties involved from Purchase to refinance
  • To ensure our clients and sales partners understand the required documentation needed to complete the loan process with our company
  • I have worked all loan types from FHA, Harp, and conventional
  • I have worked with all clients from Chase current, non-Chase current, and Chase private clients

Mortgage Banker

Chase
Phoenix, AZ
03.2016 - 02.2018
  • As a Mortgage Banker I worked closely with clients to maintain loans in my pipeline as well as obtain new business
  • I met face to back with customers and offered my knowledge and guidance through the process of their mortgage need
  • Following up on outstanding borrower conditions, processing conditions, and assisting both operation partners and customer to obtain items needed to keep files moving
  • I originated loans from conventional, FHA, and VA
  • Also submitted Applications in system used called Loan builder
  • I maintained communication from start to finish on each application originated to ensure customer’s questions and concerns were resolved and or addressed

Mortgage Loan Processor

Chase
Phoenix, AZ
01.2012 - 03.2016
  • As a loan processor my main job function is to be the communicator between all active parties involved from Purchase to refinance
  • To ensure our clients and sales partners understand the required documentation needed to complete the loan process with our company
  • I have worked all loan types from FHA, Harp, and conventional
  • I have worked with all clients from Chase current, non-Chase current, and Chase private clients

Collector

Progressive Financial
Tempe, AZ
01.2009 - 04.2011
  • Resolve past due accounts
  • Negotiate at high level with big balance accounts on repayment
  • Input payment from the consumer using bank accounts
  • Dealt with high call volume and dialer
  • Used multiple skip tracing tools (Accruing, collection advantage, work number, and triggers)

Account Manager / Assistant for Sales Representative

Power Plus
Anaheim, CA
03.2007 - 06.2008
  • Called on job status
  • Put job files together for sales representative
  • Followed up with requested orders to ensure supplies ordered where sent in a timely manner
  • Set up appointments for sales representative
  • Dealt with high call volume and customer service
  • Internet research
  • Kept track of invoices and payments

Appraisal Assistant / Receptionist/ Loan Mortgage Account Manager

BNC Mortgage
Irvine, CA
07.2004 - 03.2007
  • Input appraisal information to a program called laser fiche
  • Input 1003 application information in system
  • Answered phones
  • Worked with loan officers to obtain conditions requested by underwriters
  • Worked with account executives to pull new business from broker shops
  • Put together reports with admin was out of the office
  • Reviewed purchase contracts
  • Income documentation review
  • Covered positions when needed
  • Input notes in work bench on file status
  • Worked with underwriters to clear conditions
  • Worked with onsite appraiser to confirm values and dispute values

Education

Diploma -

Kennedy High School
La Palma, CA
06.2004

Skills

  • 1003 application review and understanding
  • Knowledgeable in VA loans purchase and refinance
  • Knowledgeable in Conventional purchase and refinance
  • Purchase contract understanding
  • Pull new credit with vendors
  • Flood cert pulling
  • Title report reviewing
  • Appraisal reviewing
  • Knowledgeable Credit report reading
  • Income documents reviewing
  • Tax returns reviewing
  • Escrow title documents understanding
  • Good understanding in Federal regulations for lenders (HMDA, DODD FRANK, TRID, BIGGERT WATERS)
  • Customer service
  • Obtain and review conditions required to meet underwriter guidelines
  • PDF creator
  • Microsoft Word
  • Excel
  • Allregs
  • KD mortgage guide
  • Credco
  • The Work Number
  • Salesforce
  • Net Oxygen
  • Red Sky
  • Data Verify
  • Kroll
  • Closr
  • Real Ec
  • Zippy
  • Mortgage Express
  • FSD
  • CFM
  • Doc Manager

References

Available on request

Timeline

Customer Advocate

Freedom Mortgage
06.2021 - 02.2022

Mortgage Loan Processor 1

USAA
12.2019 - 03.2021

Sr. Mortgage Loan Processor 3

US Bank
07.2019 - 11.2019

Sr. Mortgage Loan Processor/ Client Care Specialist

Chase
02.2018 - 06.2019

Mortgage Banker

Chase
03.2016 - 02.2018

Mortgage Loan Processor

Chase
01.2012 - 03.2016

Collector

Progressive Financial
01.2009 - 04.2011

Account Manager / Assistant for Sales Representative

Power Plus
03.2007 - 06.2008

Appraisal Assistant / Receptionist/ Loan Mortgage Account Manager

BNC Mortgage
07.2004 - 03.2007

Diploma -

Kennedy High School
Misty Orwig