Hi, I’m
Myriam Bernard
Loan Operation Specialist
Brooklyn,NY
Summary
Accurate and dedicated Loan Specialist evaluates financial documentation and promotes positive client interactions. Works exceptionally well in fast-paced environments driven by tight deadlines. Employs critical eye toward document details and customer information to avoid errors and promote efficiency. Proven track record of providing loans and contractual services to clients while managing complex loan, and other transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
9
years of professional experience
Work History
CANYON MORTGAGE
LOAN PROCESSOR & DOUMENTATION SPECIALIST
12.2021 - 09.2022
Job overview
- Review new loan submissions from Loan Officer
- Processing incoming commercial and residential loan applications
- Processing and ordering loan verification requests
- Perform credit analysis for each applicant
- Work with the borrower to gather financial information such as credit reports, verify the accuracy to determine creditworthiness, and complete the mortgage loan application
- Order property and loan documentation such as appraisals, inspections, title searches, site surveys, contracts, and property tax records to help process mortgage loan files
- Prepare and submit detailed loan packages to the lender underwriting department for approval or denial
- Act as a liaison between applicants, mortgage brokers and loan officers, real estate agents, and mortgage lending underwriters to help further loan approval
- Ensure loan files meet lending and regulatory guidelines and policies
- Maintain detailed documentation of the process in our system - from origination to closing
- Perform audit and compliance check on each loan upon closing
- Performing various post-closing duties on loan files such as following up on the receipt of final title policies and deeds, paying fees, and quality control
- Communicating with Commercial Loan Officers and Underwriters throughout the loan process
- Complete loan checklists and personal loan audits once a loan is processed
- Verify loan is complete with checklist and accompanying disclosures, documents, needs list etc
- Request any additional items needed from borrower to complete loan
- Order and receive VODs, VOEs, VOR, appraisal, title, etc
- As appropriate
- Compile and process all documents as received in a timely manner to meet projected close date
- Input final information as validated in Lending Pad and reruns AUS, as applicable, for final loan submission
- Submit all documents needed to draw closing documents within 72 hours of closing
- Submit complete files to Underwriting based on Investor and/or AUS requirements
- Clears any conditions that require communication to the title companies, appraiser, employers etc
- Pipeline Management – update and track
FORT FUNDING CORP
LOAN OPENER/PROCESSOR
08.2020 - 12.2021
Job overview
- Fort funding, williamsburg ny
- Review initial loan package to ensure ability to disclose within required timeframe (3 business days)
- Confirms correct fees on Disclosure (Loan Estimate)
- Verifies that all required documentation to be able to disclose has been received
- Obtain additional documentation from third parties as needed for disclosure
- Order appropriate items per product and loan type
- Appraisal (If intent received), FHA Case number, etc..
- Keeps abreast of changes in procedure, policy, systems and documents in order to prepare/review loan documentation packages correctly and efficiently
- Interacts with loan officers/brokers to answer questions regarding proper fees and disclosures
- Performs additional duties as assigned by the Loan Officer in charge
- Assists with other duties in the department as time allots
- Processing and ordering loan verification requests
- Performing various post-closing duties on loan files such as following up on the receipt of final title policies and deeds, paying fees, and quality control
- Communicating with Commercial Loan Officers and Underwriters throughout the loan process
- Complete loan checklists and personal loan audits once a loan is processed
- Verify loan is complete with checklist and accompanying disclosures, documents, needs list etc
- Request any additional items needed from borrower to complete loan
- Order and receive VODs, VOEs, VOR, appraisal, title, and etc
- As appropriate
- Input final information as validated in Calyx and reruns AUS, as applicable, for final loan submission
- Submit complete files to Underwriting based on Investor and/or AUS requirements
- Clears any conditions that require communication to the title companies, appraiser, employers etc.
TRI-COUNTY CARE
CARE MANAGER
02.2020 - 08.2020
Job overview
- Provide care management to individuals with disability
- Help maintain insurance
- Help with getting benefit that fits individual’s need
- Keeping all applications and files up to date so that the individual does not lose their benefit
- Complete a Comprehensive Assessment for everyone that identifies medical, mental health, chemical dependency, developmental disability, and social service need
- Develop a Life Plan with the individual; include family, collaterals, and service providers in fulfillment of the Life Plan; parties should agree with the goals, interventions, and timeframes
- Conduct face-to-face visits as required
- Engage the individual in adherence to treatment recommendations, monitor and evaluate individual’s needs; coordinate all aspects of the individual’s care; develop relationship between the care planning team
- Review and update the Life Plan with the care planning team, initiate changes in care
- Ensure timely access to appointments for individuals to medical/behavioral health care services, link individuals with resources
- Assist the individual to transition between levels of care, or after critical events, such as: hospital, school, rehabilitation facility, etc., follow up in a timely manner post discharge, support individual during crisis events
- Use Health Information Technology to facilitate collaboration among all providers
- Communicate and share information with individuals and their family/representative, ensure that the Life Plan reflects the individual’s and their family/representative’s preferences
- Identify available resources and actively manage referrals, engagement, and follow-up
- Ensure that the Life Plan includes community-based and other social support services that respond to the individual’s needs and preferences and contribute to achieving the individual’s goals
- Meet the HIT standards in the delivery of core services and the Life Plan, as described in the manual
- Maintain written documentation of service delivery and individuals’ information on the EHR while practicing all HIPAA and Privacy regulations.
CURTISS WRIGHT
CONTRACTS ADMINISTRATOR
06.2016 - 09.2019
Job overview
- Review contractual documents (terms and conditions) to ensure adherence to company policy
- Develop, facilitate review, and sign off proposals, submit and negotiate contractual agreements
- Review purchase orders and contracts to ensure compliance with and negotiated agreements
- Work directly with customers to resolve routine open contractual issues
- Participate in project team meetings as required
- Develop correspondence and transmit documents to and from customers via mail and
- Maintain the associated contract correspondence logs, electronic repositories, and files for reference
- Assist Project Manager as needed
- Track project scope and budget and apprise Primary Engagement Delivery/ Project Manager of status
- Processes receipt and release of Contracts / purchase orders, amendments, and correspondence
- Ensures that company's interests are served and protected through compliance with all company policies, applicable laws, regulatory and customer requirements while balancing corporate business objectives
- Advise program and senior management of contractual rights and obligations and provides interpretation of terms and conditions and contractual options for solutions
- Knowledge of FAR/DFAR
HOSPITAL
NURSING ASSISTANT/PATIENT TRANSPORT
01.2014 - 07.2015
Job overview
- Observing Residents
- Provides patients' personal hygiene by giving bedpans, urinals, baths, backrubs, shampoos, and shaves; assisting with travel to the bathroom; helping with showers and baths
- Provides for activities of daily living by assisting with serving meals, feeding patients as necessary; ambulating, turning, and positioning patients; providing fresh water and nourishment between meals
- Provides adjunct care by administering enemas, douches, nonsterile dressings, surgical preps, ice packs, heat treatments, sitz and therapeutic baths, applying restraints
- Maintains patient stability by checking vital signs and weight; testing urine; recording intake and output information
- Provides patients comfort by utilizing resources and materials; transporting patients; answering patients' call lights and requests; reporting observations of the patient to nursing supervisor
- Documents actions by completing forms, reports, logs, and records
- Maintains work operations by following policies and procedures
- Protects organization's value by keeping patient information confidential
- Serves and protects the hospital community by adhering to professional standards, hospital policies and procedures, federal, state, and local requirements, and JCAHO standards
- Updates job knowledge by participating in educational opportunities; reading professional publications; participating in professional organizations; maintaining licensure
- Reporting any health issues to the supervising nurse
- Setting up of meal trays and documenting food/fluid intake
- Making beds & keeping the Residents’ space clean and tidy
- Transporting Residents within the Facility
- Turning bedridden residents to prevent bedsores
- Maintaining Confidentiality of all Resident & Facility data
Education
SUNY FarmingdaleFarmingdale, NY
Bachelor of Science from Business Management
05.2017
Stony Brook UniversityStony Brook, NY
Certificate of Completion in Project Management Lite
Stony Brook UniversityStony Brook, NY
Certificate of Completion in Customer First Culture
Stony Brook UniversityStony Brook, NY
Certificate of Completion in Technical Writing
Stony Brook UniversityStony Brook, NY
Certificate of Completion in Teams in a Lean Environment
Nassau Community CollegeGarden City, NY
Associate of Science from Business Administration
05.2014
Skills
- Excellent Verbal & Written communication
- Interpersonal and Customer Service Skills
- Detail Oriented; Strong Organizational, Planning and Follow-Through Skills
- Computer Skills:
- MS Word, Excel, PowerPoint & Project
- Oracle System
- Negotiation and Problem Solving
- Self Confidence
- Report & Analysis
- Project Management
- Calyx
- Lending Pad
Languages
French
Limited Working
Timeline
LOAN PROCESSOR & DOUMENTATION SPECIALIST
CANYON MORTGAGE
12.2021 - 09.2022
LOAN OPENER/PROCESSOR
FORT FUNDING CORP
08.2020 - 12.2021
CARE MANAGER
TRI-COUNTY CARE
02.2020 - 08.2020
CONTRACTS ADMINISTRATOR
CURTISS WRIGHT
06.2016 - 09.2019
NURSING ASSISTANT/PATIENT TRANSPORT
HOSPITAL
01.2014 - 07.2015
SUNY Farmingdale
Bachelor of Science from Business Management
Stony Brook University
Certificate of Completion in Project Management Lite
Stony Brook University
Certificate of Completion in Customer First Culture
Stony Brook University
Certificate of Completion in Technical Writing
Stony Brook University
Certificate of Completion in Teams in a Lean Environment
Nassau Community College
Associate of Science from Business Administration
Similar Profiles
Molly Monique SunderlandMolly Monique Sunderland
Loan Officer Assistant at Gold Canyon MortgageLoan Officer Assistant at Gold Canyon Mortgage
Deonte BarimahDeonte Barimah
Mortgage Loan Originator (Independent) at Canyon Mortgage CorporationMortgage Loan Originator (Independent) at Canyon Mortgage Corporation
Leah StephensLeah Stephens
Executive Financial Aid Specialist at Grand Canyon Education (Grand Canyon University)Executive Financial Aid Specialist at Grand Canyon Education (Grand Canyon University)
Janice HornJanice Horn
Administrative Assistant at Saks Fifth AvenueAdministrative Assistant at Saks Fifth Avenue
TEDRICK WILSON JR.TEDRICK WILSON JR.
Billing Specialist at Sound PhysiciansBilling Specialist at Sound Physicians