Rio Cohen

Again, the loan officer I worked directly under decided it was time to move from Prudential Borrowing to GoRascal in search of more opportunity. As a result, he brought me with him and promoted me to a full-time processor. I was involved in our borrowers' entire loan process from application until funding.

I also:

• Created and completed applications for over $100 million dollars worth of real estate over my tenure.
• Submitted loan applications to each lender's underwriting team.
• Handled any conditions sent from underwriting departments.
• Prepared file for final clear-to-close by branch management.
• Contributed to the success of the mortgage team by providing essential support in the areas of loan documentation review, data entry, and client communication.
• Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
• Maintained accurate records of loan processing activities and documents in CRM system.
• Marketed to a targeted audience each week via an email blog and through LinkedIn.
• Coordinated closing process with attorneys, title companies, and government clerks.
• Worked with borrowers via email and telephone to answer questions, process transactions, and resolve issues.
• Reviewed financial statements and contacted institutions and customers to clarify details.
• Ordered and analyzed borrower credit reports.
• Analyzed borrower income documents and asset documents.
• Tracked appraisal, verification of employment, and verification of rent orders.
• Trained a few interns.

After completing my internship with Legacy Financial, the loan officer I worked under departed from their company and brought me with him to work for him at Prudential Borrowing as a loan officer assistant.

- Filled out uniform residential loan applications and commercial loan applications for clients totaling over $70 million dollars worth of real estate.
- Organized and input borrower information such as their tax returns, forms of ID, and details about their real estate owned.
- Managed a newsletter and social media accounts for the loan officer that I worked under.
- Identified and analyzed forms of documentations that are relevant in the process of securing a loan such as paystubs, tax returns, credit reports, etc.
- Calculated rental property incomes based on Schedule E forms.
- Created real estate flyers for open houses.
- Trained an intern to fill out 1003s and to manage a folder of documents for each client.
- Ordered appraisals, credit reports, and title reports.

Under the tutelage of a senior loan officer, I:

• Sorted and organized a database for each borrower that included sensitive documents such as tax returns, bank statements, and identification.
• Ordered and filed borrower credit reports.
• Created flyers for open houses.
• Completed loan applications for each borrower.
• Created itemized fees sheets outlining costs for each borrower.
• Submitted loan applications to lenders for their approval.