SOSSY KUPELIAN
Fresno,CA
Summary
Professional customer service focused financial analyst with over 15 years experience in residential and commercial financing.
Overview
15
15
years of professional experience
Work History
Home Loan Processor
Golden 1 Credit Union
Remote Role
02.2022 - 11.2022
- Gathered and reviewed borrower required documents
- Processed IRS required forms working with Title and Escrow teams
- Completed Compliance review on applications
- Mortgage application processing
- Managed customer communications
Senior Loan Processor
Redfin Mortgage
Remote Role
07.2021 - 11.2021
- Processed mortgage files after underwriter approval in Loan Terms System
- Fielded customer questions and provided guidance through the process
- Reviewed documents for all compliance requirements
- Collaborated with underwriting, closing and collateral support teams
Home Loan Processor
Guaranteed Rate Affinity
Remote Role
03.2021 - 06.2021
- Provide customers direction on requirements and current status
- Customer documentation collection and review
- Analyzed and complete Buyer financial reviews for eligibility
- Performed compliance analysis and review of documents
- Mortgage application processing using Encompass processing system
Home Loan Processor
Wells Fargo Home Mortgage
Fresno, CA
08.2016 - 03.2021
- Liaison between borrowers and sales and underwriting
- Managed high volume loan applications and documents
- Documentation collection and review
- Compliance review
- Mortgage application processing
- Verified loan applications for completeness and accuracy of information
- Analyzed credit reports, appraisals, title reports, and other documentation to ensure compliance with lending regulations
Credit Analyst/SBA Loan Underwriter/Closer
Cencal Business Finance Group
Fresno, CA
04.2014 - 08.2016
- Evaluated customer financial status
- Processing of commercial loan applications
- Reviewed covenants for compliance
- Analyzed environmental and property reports to value property
- Tracked and audited maturing loan reports for next steps
- Processed real estate transactions from opening escrow to funding
- Analyzed environmental and property reports to value property
- Determined risk for SBA financing
Commercial Loan Specialist/Loan Administrator
Cal Bank & Trust
Fresno, CA
01.2008 - 04.2014
- Documentation and processing of new loan requests and renewals
- Processed real estate transactions from opening escrow to funding
- Reviewed and analyzed loan applications to ensure compliance with bank policies and procedures
- Analyzed financial statements, tax returns and other documents for credit worthiness of applicants
- Processed line advances and pay downs
- Covenant and condition tracking and collection from borrowers
Education
Business emphasis
Fresno City College
Skills
- Asset and equity research
- Financial Statement review
- Pre-underwriting research
- Credit profile analysis
- Resolution management
- Customer service and retention
- Borrower asset analysis
- Buyer eligibility assessment
- Compliance specialist
- Commercial and residential financing
- Building partnerships
- Process documentation and standardization
Systems Expertise
- MS office
- Aviva
- Taxanalysis
- Encompass
- Loan Terms
Languages
- English, Fluent
- Armenian, Fluent
- Spanish, Conversational
Timeline
Home Loan Processor
Golden 1 Credit Union
02.2022 - 11.2022
Senior Loan Processor
Redfin Mortgage
07.2021 - 11.2021
Home Loan Processor
Guaranteed Rate Affinity
03.2021 - 06.2021
Home Loan Processor
Wells Fargo Home Mortgage
08.2016 - 03.2021
Credit Analyst/SBA Loan Underwriter/Closer
Cencal Business Finance Group
04.2014 - 08.2016
Commercial Loan Specialist/Loan Administrator
Cal Bank & Trust
01.2008 - 04.2014
Business emphasis
Fresno City College
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