Hi, I’m
Sandi Olivo-Hiroto
San Dimas,CA
Summary
Accurate and dedicated Senior Loan Processor evaluates financial documentation and promotes positive client interactions. Works exceptionally well in fast-paced environments driven by tight deadlines. Employs critical eye toward document details and customer information to avoid errors and promote efficiency. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Organized and dependable candidate successful with ability to handle multiple projects simultaneously with a high degree of accuracy and a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
19
years of professional experience
1
Certification
Work History
Wells Fargo Home Mortgage
Senior Loan Processor IV
12.2012 - 12.2022
Job overview
- Evaluated approvals against established bank and government lending standards.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Handled any conditions sent to underwriting departments.
- Provided quick turnaround times to maintain fast-past schedule.
- Worked with customers in person and via telephone/ email to answer questions, process transactions and resolve issues.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering Agency and Portfolio/ Jumbo Loans.
- 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.
- Maintained long-term relationships with customers to provide best-in-class customer service.
- Processed loans within various departments to achieve timely results.
- Order title/escrow, settlement agent back east, appraisals, reconyenance on properties, update and cleared credit report.
Bank Of America/Countrywide Funding
Junior Underwriter/Senior Mortgage Loan Processor
03.2004 - 11.2012
Job overview
- Determined and documented loan conditions and communicated requirements and decisions for both new and returning business.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Worked with customers in person and via telephone / email to answer questions, process transactions and resolve issues.
- Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
- Reviewed financial statements and contact customers to clarify details with letters of explanation.
- Received on-going, comprehensive training on home loan products and mortgage process.
- Order title / escrow, settlement agents back east ,appraisals,reconveyance on properties, update and cleared credit report.
- Drew loan docs and funded loans.
Education
Citrus CollegeGlendora, CA
Associate of Science from Cosmetology Education
Skills
- Directly Contacting and Communicating with Clients
- Mortgage Banking and Analysis
- Loan Evaluations
- Appraisal Review
- Credit report review
- Escrow / Title Documentation review
- Information Verification,Financial Document Review
- Data Entry
- Excellent Customer Service Skills
- Knowledge of VA / FHA, Agency, and Portfolio/Jumbo Loan Process
- Maintaining Client Relationships
- Support Closings
- 10-Key Data Entry
- Loan Process Procedures and Coordination
- Loan Origination and Underwriting
- Languages: Fluent in English and Spanish
Certification
- Licensed Cosmetology
- Certified bookkeeper
- Certification with City of Los Angeles Teller training(Certa Program)
- Certification with Bank of America Junior underwriter
Timeline
Senior Loan Processor IV
Wells Fargo Home Mortgage
12.2012 - 12.2022
Junior Underwriter/Senior Mortgage Loan Processor
Bank Of America/Countrywide Funding
03.2004 - 11.2012
Citrus College
Associate of Science from Cosmetology Education
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