Noah Taku
Plano,Taxes
Summary
Knowledgeable and efficient Mortgage Loan Processor with 5 years of experience in financial and lending offices. Works exceptionally well in fast-paced environments driven by tight deadlines. Competent and knowledgeable in City, State financial regulations and employs a critical eye toward document details. Core Qualifications FNMA, FHA, FHHLC, and VA knowledge Regulatory compliance PC proficient MS Office expertise Organizational and interpersonal skills Excellent communicator Basic accounting principals Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills and a proactive nature.
Overview
6
6
years of professional experience
11
11
years of post-secondary education
Work History
Mortgage Loan Processor/Loan officer assistance
AZIF Financial
06.2016 - Current
- Prepare commitment and denial letters and cancel applications as necessary
- Responsible for the ordering of credit and title reports and liaising with third parties for reports and documents as necessary
- Communicate between loan originator, borrower, lender, and underwriter
- Substantiated loan documents, including title, insurance, appraisal, credit, and income
- Reviewed borrower files to verify regulatory compliance and internal policy guidelines were upheld
- Ensured accurate and timely loan processing through efficient compilation of borrowers’ information and loan document verification
- Maintained clients’ file of loan documentation from pre-approval through closing
- Verified borrowers’ financial data for accuracy prior to submitting to the underwriting department
- Interview clients to gather information about their unique financial situations, needs and objectives
- Enter applicant information into loan origination system accurately (Lending Pad, Optimal Blue, Sale Force, CIS)
- Evaluate various loan programs and affordable financing plans from a broad range of mortgage options
- Educate and advise clients on how to best manage their mortgage application process
- Ensure exceptional client experiences with ongoing communication throughout the entire loan process
- Follow-up with borrower when additional loan documents are required
- Pre-qualify mortgage loans by taking application and examining supporting documentation, estimating applicant creditworthiness
- I normally process my loans, perform pre-underwriting conditions before submitting to underwriter, order title, Quality control prior to compliance check
- Supervise loan processors and loan officer assistance to make sure they are doing the right thing
- Always follow Federal and local guidelines such as the HMDA, ECOA, RESPA, TILA and every other regulation.
Loan processor/Title Review Analyst
JPM Chase/Mphasis
06.2021 - 11.2021
- Manages multi-loan pipeline, coordinates pipeline management with Loan Consultant
- Conducts daily review and follow-up with customers and vendors regarding outstanding items; gather necessary documentation as needed
- Communicates to Processing Supervisor if unable to achieve a timeline or to resolve an error
- Escalates any fraud files to Risk Management Leadership Team
- Communicates to key stakeholders, including Branch Manager, Loan Consultants, and customers on status
- Manages key dates, for example, lock expiration, contingency date, contract date, credit doc expiration, ECOA, HMDA and other compliance related dates
- Performs data entry to update all internal computer systems and loan files with notes regarding all actions that affect the loan in accordance with company requirements
- Reviews HUD 1 Settlement statement for accuracy and provides to closing agent
- Reviews title reports, payoffs, appraisals, income documents, hazard insurance, and all supporting
- Conditions for required standard compliance prior to underwriter submission
- Provides customer and closing agent necessary requirements and coordinates scheduling for completion of loan closing
- Attends regular pipeline meetings and system training updates and security awareness meetings
- Every day before work and extended hours when necessary
- Review loan customer pay stubs, bank statement, VOD, VOE and all necessary needed documentation.
Education
B.Sc. - Management
University of Buea Cameroon
10.2014 - 08.2017
High School Diploma -
GBHS Buea
09.2006 - 08.2012
GED -
GBHS Muea-Buea Cameroon High School
09.2012 - 08.2014
Skills
Application preparation
Accomplishments
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Resolved product issue through consumer testing.
Timeline
Loan processor/Title Review Analyst
JPM Chase/Mphasis
06.2021 - 11.2021
Mortgage Loan Processor/Loan officer assistance
AZIF Financial
06.2016 - Current
B.Sc. - Management
University of Buea Cameroon
10.2014 - 08.2017
GED -
GBHS Muea-Buea Cameroon High School
09.2012 - 08.2014
High School Diploma -
GBHS Buea
09.2006 - 08.2012
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