ROWENA MOORE

Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.

• Prepared documents for underwriting by verifying client income, credit reports, and other information.
• Set up and completed loan submission packages.
• Developed and maintained relationships with customers and loan officers to establish smooth loan process.
• Handled any conditions sent from underwriting departments.
• Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
• Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
• Strengthened relationships with clients through consistent follow-up calls and personalized attention to their needs.
• Ensured accuracy of client information, verifying data collected during application process and updating records as needed
• Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.

• Skilled at working independently and collaboratively in team environment.
• Self-motivated, with strong sense of personal responsibility.
• Proven ability to learn quickly and adapt to new situations.
• Worked well in team setting, providing support and guidance.
• Prepared loans for Closing , Initial and Final CD Disclosures
• Review Doc Order Request to ensure all pricing fees and loan data matched system
• Coordinate with Underwriter, Loan Agent, Customer Service Representative, Brokers, Title and Escrow
• Review Hazard Insurance, Flood and Mortgage Insurance, Prelim and Payoff Demands, Impounds collected are accurate, Lock expiration , programs and final compliance audit and make sure no outstanding prior to docs conditions
• Review Master Settlement Fees to ensure all fees are in compliance with Bank and Investors Regulations prior to releasing documents to Escrow.
• Draw docs for FHA, VA and Conventional Loans
• Managed high volumes of work and provide excellent customer services to all parties involved
• Audit Note, Deed of Trust, Trust Documents, POA and other documents
• Managed time efficiently in order to complete all tasks within deadlines.
• Proved successful working within tight deadlines and fast-paced environment.
• Worked effectively in fast-paced environments.

• Entered customer data into system and communicated service concerns with Loan Servicing department.
• Improved customer satisfaction rates by efficiently addressing and resolving complex issues in timely manner.
• Streamlined communication between customers and internal teams, resulting in increased collaboration and problem resolution.
• Managed high-volume call center operations, ensuring prompt service and reduced wait times for customers.
• Audit and Review Loan Package , Purchase Advise, Property Taxes , Hazard/Flood and Mortgage Insurance
• Process mortgage payoff, escrow balance , identify mortgage documents by different investors and return original collateral documents to borrower
• Prepare and record satisfaction of mortgage , Substitution of trustee, Reconveyance , loan payoff letter, refund letter, check request
• Report to Investors MERS all loans has been paid in full
• Process Mortgage Insurance Billing, Data and Journal Entries, Balance Sheet and verified all delinquencies that been reported

• Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
• Handled customer inquiries and suggestions courteously and professionally.
• Answered customer telephone calls promptly to avoid on-hold wait times.
• Worked closely with brokers, internal customers, escrow and title companies to clear outstanding conditions so loan could close
• Review loan documents for compliance and timeliness and signed off prior to docs and funding conditions
• Coordinate with doc drawer, broker, escrow and /or closing agent in preparing legal documents
• Submitted loans through Desktop Underwriter and Loan Prospector and MGIC
• Maintained high-quality standards by regularly monitoring calls and providing constructive feedback to team members.
• Enhanced customer satisfaction by efficiently resolving complex issues and providing timely solutions.
• Streamlined processes for better service delivery, resulting in improved customer retention rates.
• Responded to customer calls and emails to answer questions about products and services.

• Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
• Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
• Prepared documents for underwriting by verifying client income, credit reports, review appraisal report and other information.
• Handled any conditions sent from underwriting departments.
• Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout process.
• Managed high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
• Accelerated underwriting Level I, II, III, IV with solid knowledge and use of Fannie Mae Desktop Underwriting and Loan Prospector

• Developed working knowledge of strategic carrier capacity and network.
• Monitored and assessed customer portfolio while continually strengthening relationships with existing customers.
• Spearheaded carrier prospecting, management, negotiations and relations.
• Leveraged brokerage pricing techniques and tools, market awareness and knowledge to secure business while building customer portfolio.
• Review and approve all documents request including clearing conditions as necessary
• Review and submit prior approval to investors
• Provide file status to Brokers and loan Agent upon request, assist with interpretation of conditions and clearance requested by Broker
• Packages loans for submission to different investors and mortgage insurance company
• Signed off conditions that fall within broker coordinator authority
• Process and monitor all DO/DU/LP/Clues requests
• Do final corrections to transmittal summary and 1003 that summarize housing /debt payment and ratios income , asset and liability analysis done by underwriter
• Monitored compliance with company policies, identifying issues and taking corrective action when necessary.