Rosana Rincon
Lakewood,CA
Summary
Detail-oriented and highly organized Mortgage Processor with [20+] years of experience in the mortgage industry. Proven track record of efficiently processing mortgage applications and ensuring compliance with industry regulations. Seeking to contribute and exhibit exceptional communication skills, meticulous attention to detail and a strong work ethic to a dynamic mortgage processing team.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Loan Officer Assistant
New World Mortgage ~ American Pacific Branch
Downey, CA
03.2025 - 04.2026
Sr. Mortgage Processor
New Horizon Funding
Signal Hill, California
06.2023 - 03.2025
Sr. Mortgage Processor
Innovative Mortgage Solutions
Los Alamitos, CA
09.2022 - 05.2023
Sr. Mortgage Processor
Elite One Mortgage
Los Alamitos
01.2004 - 08.2022
- Underwrote mortgage applications for private money, conventional, FHA, and VA loans, maintaining a 98% accuracy rate.
- Process an average of [50+] mortgage applications per month, consistently meeting or exceeding processing time-frames.
- Collaborate with loan officers, underwriters, and borrowers to gather required documentation and resolve any application-related issues promptly.
- Utilize Calyx, Encompass and Salesforce to accurately input, update, and track application information, ensuring data integrity and compliance.
- Review credit reports, income documents, and property appraisals to assess applicant eligibility and adherence to lending guidelines.
- Conduct thorough file audits to identify potential discrepancies, mitigating risks and minimizing errors. Assist in training and mentoring junior processors, fostering a cohesive and knowledgeable team environment.
- Coordinated with external parties, including appraisers, title companies, and insurance agencies, to facilitate the loan approval process.
- Conducted comprehensive file reviews, identified gaps, and worked closely with loan officers to address issues before submission to underwriting.
- Ensured compliance with federal and state regulations, including TRID and RESPA guidelines.
- Served as primary point of contact for borrowers, providing regular updates on application status and addressing inquiries to enhance customer experience.
- Collaborated with the underwriting team to address conditions and obtain necessary documentation for loan approval.
- Conducted preliminary reviews of application documents to ensure accuracy and completeness.
- Developed and maintained a comprehensive database of borrower information, improving the efficiency of subsequent loan applications.
- Conducted data entry to support senior processors in maintaining workflow efficiency.
- Managed incoming calls, provided exceptional customer service and addressed inquiries promptly.
Education
High School Diploma -
Paramount High School
Paramount, CASkills
Mortgage/Loan Processing
Loan Underwriting
Application Review
Document Verification
Compliance Management
Credit evaluation expertise
Loan packaging
Appraisal review
Mortgage Software
File auditing
Time Management
Customer Relationship management
Team Collaboration
Communication Skills
Certification
- Real Estate License
- Notary License
Additional Languages
Spanish
Timeline
Loan Officer Assistant
New World Mortgage ~ American Pacific Branch
03.2025 - 04.2026
Sr. Mortgage Processor
New Horizon Funding
06.2023 - 03.2025
Sr. Mortgage Processor
Innovative Mortgage Solutions
09.2022 - 05.2023
Sr. Mortgage Processor
Elite One Mortgage
01.2004 - 08.2022
High School Diploma -
Paramount High School