Shivonne Sanchez

Antioch,United States

Summary

Knowledgeable Loan Processor offering expertise in legal statutes and established lending guidelines. Excellent communication and negotiation skills. Offering 16-year history of successful loan and mortgage processing. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.

Overview

years of professional experience

Work History

Senior Mortgage Loan Processor

Supreme Lending

Walnut Creek, CA

05.2019 - 07.2022

Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
Prepared file for final clear-to-close.
Reviewed financial statements and contacted institutions and customers to clarify details.
Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Received on-going, comprehensive training on home loan products and mortgage process.
Checked daily reports each morning to identify priorities or issues for escalation to supervisor.
Maintained compliance with privacy and security requirements, as well as state and federal statutes covering FNMA, FHLMC, FHA, VA, USDA, and CALHFA loans.

Technical Support Analyst

Ellie Mae

Pleasanton, CA

11.2018 - 05.2019

Resolved issues with systems, hardware and telephones quickly and accurately.
Broke down and evaluated user problems, using test scripts, personal expertise and probing questions.
Worked side by side with product and development teams to test and identify product defects.
Assisted customers in identifying issues and explained solutions to restore service and functionality.
Used ticketing systems to manage and process support actions and requests.
Documented transactions and support interactions in CRM (Salesforce) for future reference and addition to knowledge base.
Resolved escalated issues by serving as subject matter expert on wide-ranging issues.

Quality Control Underwriter

The Money Source

Concord, CA

07.2015 - 07.2018

Verified integrity of applicants' information to minimize fraud.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Maintained mortgage program compliance with federal agencies such as VA, HUD and FNMA.
Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Rendered final underwriting decision for Conventional FNMA / Freddie Mac, FHA, VA and applicable streamline products.
Worked side by side with risk leadership to identify quality issues noted over a course of time to address negative and impactful trends over various channels.
Reviewed and cleared credit and closing conditions submitted by Correspondent Lenders..
Served as escalation point for addressing issues and communicated directly with underwriters and correspondent lenders as needed.

Education

High School Diploma -

Pittsburg Senior High School

Pittsburg, CA

06.1998

Skills

Lending Software Systems (Encompass, LendingQB, Calyx Point)
Credit Reporting Software
Closing Documentation
Legal Documentation
Wire Transfer
Government Lending

Desktop Underwriter
Financial Underwriting
Insurance Forms
Appraisal Verification
Microsoft Office
Underwriting Regulations

Timeline