Tania Rueben
Bend,OR
Summary
Skilled Mortgage Loan Processor knowledgeable about the current Mortgage loan market. Proficient time manager and collaborative team player trained in loan and underwriting processes. Exited about joining the team and contributing to business success.
Overview
29
29
years of professional experience
Work History
Office Manager
Adapt Chiropractic
Bend, OR
09.2022 - Current
- Tracked invoices and payments to ensure accuracy of accounts receivable and payable information.
- Resolved customer inquiries in a timely manner while maintaining positive relationships with clients.
- Organized company events including holiday parties, team building activities .
- Answered phone calls, responded to emails, routed mail and coordinated courier services.
- Managed front desk operations including greeting visitors, answering questions or directing them to appropriate personnel.
- Ordered supplies and equipment to maintain adequate inventory levels.
- Performed general bookkeeping duties such as reconciling bank statements and creating journal entries.
- Supervised staff members, organized schedules and delegated tasks.
Sr. Loan Processor
Rate Plus
Irvine, CA
04.2021 - 04.2022
- Reviewed and verified borrowers' income, credit reports, property appraisals and supplemental information to prepare documents for underwriting.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Created and completed loan submission packages.
- Filed completed packages quickly and efficiently.
- Managed conditions sent from underwriting departments.
- Maintained complete confidentiality of submitted information according to release guidelines.
- Organized loan files, updated databases, prepared general correspondence and communicated with stakeholders.
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Evaluated financial statements and contacted institutions and customers to clarify details.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
- Checked approvals against established bank and government lending standards.
- Obtained repeat business by building strong customer relations and delivering world-class customer service.
- Upheld compliance with privacy and security requirements, as well as federal statutes covering VA loans.
- Determined completeness of recovery documentation, legal fees, valuations and lien searches for loan packages.
Sr. Mortgage Loan Processor
Owning Corporation
Orange, California
02.2020 - 02.2021
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Checked approvals against established bank and government lending standards.
- Managed any conditions sent from underwriting departments.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Created and completed loan submission packages.
- Examined and verified information in loan application and closing documents.
- Submitted completed loan applications, including recommendations for underwriting approval or denial.
- Worked with third-party vendors to address and clear loan closing requirements.
- Checked applicant credit, personal references and employment histories.
- Prepared and delivered loan documents to title and escrow teams.
- Carried out pre-funding and funding functions for more than 20 cases per month.
- Conveyed acceptance or rejection to customers by mail, telephone or in person.
Mortgage Loan Processor
Ritelend
Irvine, CA
02.2015 - 12.2016
- Created and completed loan submission packages.
- Examined and verified information in loan application and closing documents.
- Submitted completed loan applications, including recommendations for underwriting approval or denial.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Filed completed packages quickly and efficiently.
- Carried out pre-funding and funding functions for more than 20 cases per month.
- Managed any conditions sent from underwriting departments.
Mortgage Loan Processor
Cashcall
Anaheim, CA
02.2013 - 01.2015
- Created and completed loan submission packages.
- Checked applicant credit, personal references and employment histories.
- Reviewed historical customer accounts to assess payment compliance and adherence to loan terms.
- Submitted completed loan applications, including recommendations for underwriting approval or denial.
- Managed any conditions sent from underwriting departments.
- Worked with third-party vendors to address and clear loan closing requirements.
- Carried out pre-funding and funding functions for more than 20 cases per month.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Filed completed packages quickly and efficiently.
Sr. Mortgage Loan Processor
Ditech Mortgage Corp.
Irvine, CA
11.1995 - 08.2003
- Submitted completed loan applications, including recommendations for underwriting approval or denial.
- Created and completed loan submission packages.
- Managed any conditions sent from underwriting departments.
- Checked applicant credit, personal references and employment histories.
- Prepared and delivered loan documents to title and escrow teams.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Worked with third-party vendors to address and clear loan closing requirements.
- Examined and verified information in loan application and closing documents.
- Filed completed packages quickly and efficiently.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
Education
High School Diploma -
Live Oak High School
Morgan Hill, CA06.1987
Skills
- Proficient on processing mortgage loans from set up to funding, including great customer service and communication with the borrower's
- Reviewing financial paperwork
- Proficient in Encompass and Point
- Processing Procedures
- Utilize pipeline reports
- DU and LP automated experience
- Set up, process, and funding loan files to completion for Conventional, VA and FHA programs
- Proficient in Encompass and Empower
Timeline
Office Manager
Adapt Chiropractic
09.2022 - Current
Sr. Loan Processor
Rate Plus
04.2021 - 04.2022
Sr. Mortgage Loan Processor
Owning Corporation
02.2020 - 02.2021
Mortgage Loan Processor
Ritelend
02.2015 - 12.2016
Mortgage Loan Processor
Cashcall
02.2013 - 01.2015
Sr. Mortgage Loan Processor
Ditech Mortgage Corp.
11.1995 - 08.2003
High School Diploma -
Live Oak High School
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