Summary
Overview
Work History
Skills
Languages
Timeline
Generic

Stacy Gutierrez

Corona,CA

Summary

Seasoned loan processor with over 8 years of experience and knowledge in mortgage lending policies and regulations. Proficient in analyzing credit and financial data of loan applications. Works well under pressure, manages pipeline to meet critical scheduling and closing deadlines. Knowledgeable in underwriting guidelines for Fannie Mae, Freddie Mac, FHA, Conventional, VA, and Non-QM.

Overview

11
11
years of professional experience

Work History

Experience , Account Executive

Gutierrez Premier Properties
02.2023 - Current
  • Maintain sales contact, pipeline and other pertinent sales activity reports
  • Actively managed a loan pipeline
  • Established new business, developed current business relationships, and ensure overall client satisfaction
  • Follow up on potential clients
  • Stayed abreast of market changes and underwriting guideline changes in order to discuss the mortgage market in an informed fashion

Account Executive

Athas Capital Group
07.2022 - 01.2023
  • Managed approximately over 80 incoming calls and emails per day from customers
  • Obtain commitments from Brokers to enter Broker-Wholesale lending arrangements with the company
  • Set expectations for Brokers on understanding the loan process including submission, processing, underwriting, closing, and funding
  • Helped Brokers manage their loan submissions and rate locks
  • Provide on-going service and support to Brokers and Non-Delegated Correspondents

Sr. Processor

Sovereign Lending Group
04.2021 - Current
  • Contacted borrowers within 24 hours of receiving the loan to complete intro call
  • Reviewed and verify accuracy of all documentation to ensure guidelines are met before resubmitting the loan to underwriting
  • Evaluated credit, income, assets as required, title, and calculated borrower’s income including rental income, self-employment, W2, 1099, retirement etc
  • Effectively communicated loan status to all relevant parties, including borrowers and sales personnel involved in the transaction
  • Accurately prepared files for closing, verifying closing dates, first payment dates, proper set up of escrow accounts, and coordinating with settlement agents for closing

Sr. Processor

Intelliloan Inc
07.2020 - 04.2021
  • Ensured that all loan files, credit packages, and disclosure packages comply with company lending policies, as well as state and federal lending guidelines
  • Managed a pipeline of 60+ loans
  • Reviewed underwriting approvals, requests, and cleared conditions prior to funding
  • Requested closing documents, scheduled closing agents, and scheduled the closings with borrowers
  • Input all communication related to the loan in the conversation log

Sr. Purchase Processor

Mr. Cooper
06.2012 - 07.2020
  • Proactively communicated with all parties (buyer, title, realtor, and internal staff) providing timely update and gathering all required documentation to obtain loan approval from underwriting
  • Performed a thorough review of each loan file within 24 hours to verify application is complete and accurate
  • Analyzed the file documentation of borrower’s credit, employment, income, collateral, and assets as required by the specific loan program (FHA, VA, or CONV) and ensured guidelines were met before submitting the loan to underwriting
  • Reviewed appraisals and requested repairs when needed
  • Updated encompass with loan status consistently
  • Checked in with clients and underwriters regularly to make sure loan documentation is completed so closing dates and company deadlines are met
  • Maintained and managed 30+ purchase files within a 40-hour work week
  • Worked with funding to ensure timely release of documents

Skills

  • Customer Service
  • Pipeline Management
  • Written and Verbal Communication
  • Multitasking and Organizing
  • Superior Attention to Detail
  • Computer Skills
  • Excellent Communication
  • Flexible and Adaptable

Languages

English
Native or Bilingual
Spanish
Native or Bilingual

Timeline

Experience , Account Executive

Gutierrez Premier Properties
02.2023 - Current

Account Executive

Athas Capital Group
07.2022 - 01.2023

Sr. Processor

Sovereign Lending Group
04.2021 - Current

Sr. Processor

Intelliloan Inc
07.2020 - 04.2021

Sr. Purchase Processor

Mr. Cooper
06.2012 - 07.2020

Similar Profiles

CREATE PROFILE
Stacy Gutierrez