Odalis English
West Palm Beach,FL
Summary
Accomplished Professional with a proven track record, showcasing expertise in mortgage regulations and exceptional communication skills. Excelled in pipeline management, ensuring compliance and efficiency, while training new staff and enhancing customer satisfaction. Demonstrated a significant impact on loan processing and closing procedures, leveraging both technical and interpersonal abilities.
Overview
19
19
years of professional experience
Work History
Senior Mortgage Processor
KHovnanian American Mortgage
Boynton Beach, FL
06.2019 - Current
- Manage multiple files simultaneously while meeting tight deadlines.
- Submit detailed loan packages to underwriting department to facilitate approval or denial processes.
- Ensure strict adherence to federal and state regulations throughout the loan process.
- Answer questions and advised customers regarding loans and transactions.
- Resolve any discrepancies or issues that arose during the loan process.
- Update and inform clients about the status of their loan applications regularly.
- Calculate borrowers' income and debt ratios to assess loan eligibility.
- Train new loan processors on company procedures and loan processing software.
- Communicate regularly with senior management regarding loan pipeline status updates.
Loan Processor
Digital Risk Mortgage Services
Boca Raton, FL
01.2012 - 06.2019
- Reviewed and validated all aspects of mortgage loan applications including credit, income, title, sufficient insurance coverage, etc
- Gathered and obtained necessary documentation for loan files from all parties involved in the transaction
- Successfully maintained required SLA’s on a pipeline of up to 60 loans with follow up and file movement to closing or withdrawal/cancellation
- Coordinated closing dates and times between lender, settlement agent and client
- Responsible for subordination requests and follow up
- Resolved problems that clients, borrowers or employees experience
Closer
Digital Risk Mortgage Services
Boca, Raton
01.2012 - 06.2019
- Reconcile closing disclosures for the accuracy of fees and closing costs.
- Ensure loans are compliant with TRID requirements.
- Prepare and send closing packages to title agents
- Review documents for funding, and issue a clear directive to fund the loans.
Receptionist – Section 8
Palm Beach County Housing Authority
West Palm Beach, FL
01.2011 - 01.2012
- Responsible for answering and directing incoming calls on busy phone system
- Greet customers as they come into the department, answer questions and direct them to proper areas for appointments
- Gather and file customer documentation
- Work with Director on projects including gathering information for SEMAP, creating reports, and other special projects as needed
Teller
Wachovia Bank/Wells Fargo
Lake Worth, FL
01.2008 - 01.2011
- Process between 2500 and 2900 customer transactions per month including deposits, withdrawals, check cashing, mortgage and credit card payments
- Process on average 15 to 20 night depository bags per day
- Solicit non-customers as well as current customers to open new accounts or expand their bank services used
- Back-up vault custodian
- Back-up to Service Manager in reviewing teller boards to assure that tellers are within drawer limits
Validator/Sr. Processor
American Home Mortgage/IndyMac Bank
Delray Beach, FL
01.2006 - 01.2008
- Validated documentation and issued approvals on loans using Fannie Mae’s Desktop Underwriter and Freddie Mac’s Loan Prospector
- Reviewed and analyzed income, asset, credit, title commitments and homeowner’s insurance information
- Coordinated closing dates between the lender, title company and client
Sr. Loan Coordinator
Washington Mutual Bank
Lake Worth, FL
- Responsible for the processing of mortgage loan applications from approval up to closing
- Validated income, asset and credit documentation for accuracy and integrity
- Coordinated closing dates and prepared files to be sent to the closing department
Education
Business
Palm Beach State College
Lake Worth, FLHigh School Diploma -
Glades Central High School
Belle Glade, FL06-1988
Skills
- Title review expertise
- Closing procedures
- Mortgage regulations proficiency
- Regulatory compliance
- Pipeline management experience
- Loan processing expertise
- Communication proficiency
- Information verification
- Processing documents
- Loan origination software
- Loan closing procedures
- Customer service
- Verbal and written communication
- Phone etiquette
- Reception functions
Languages
Spanish
Native/ Bilingual
References
References available upon request.
Timeline
Senior Mortgage Processor
KHovnanian American Mortgage
06.2019 - Current
Loan Processor
Digital Risk Mortgage Services
01.2012 - 06.2019
Closer
Digital Risk Mortgage Services
01.2012 - 06.2019
Receptionist – Section 8
Palm Beach County Housing Authority
01.2011 - 01.2012
Teller
Wachovia Bank/Wells Fargo
01.2008 - 01.2011
Validator/Sr. Processor
American Home Mortgage/IndyMac Bank
01.2006 - 01.2008
Sr. Loan Coordinator
Washington Mutual Bank
Business
Palm Beach State College
High School Diploma -
Glades Central High School
Similar Profiles
CAROL DURBINCAROL DURBIN
Compliance Coordinator at Khovnanian American MortgageCompliance Coordinator at Khovnanian American Mortgage
Carly ReesCarly Rees
Senior Underwriter at American Pacific Mortgage / Absolute MortgageSenior Underwriter at American Pacific Mortgage / Absolute Mortgage
Pam BraniganPam Branigan
Loan Officer at American Pacific Mortgage Dba Sunstreet MortgageLoan Officer at American Pacific Mortgage Dba Sunstreet Mortgage