Theresa Marzett
Riverside,USA
Summary
Results-driven mortgage and loan processor with over 10 years of experience, seeking a rewarding position that offers opportunities for advancement into underwriting, team management, or a transition within the mortgage and real estate industry, including title representation or escrow officer roles. Proven ability to manage a diverse pipeline of mortgage loans, handling volumes of 75 or more while maintaining exceptional customer service standards. Expertise in time management and problem-solving ensures efficient processing and client satisfaction in both remote and office environments. Committed to leveraging extensive industry knowledge to contribute effectively to team success and drive organizational growth.
Overview
33
33
years of professional experience
1
1
Certification
Work History
Associate Processor
Wells Fargo Bank N.A.
08.2023 - 08.2025
- Data Entry in processing banking clientele and record keeping for various accounts using a 10 key processing method to enter information into the database which processing checks and record keeping data to help keep track of the client's business productivity for their records only.
Loan Processor
WELLS FARGO HOME MORTGAGE
10.2020 - 11.2022
- Experience in Conventional, FHA and VA Loans with quick hard time lines on closing loans in purchases and refi's, frequently timely communication with borrowers, title/escrow officers, underwriters, and third-party vendors such as appraisers to meet closing dates. Comfortable calculating and reviewing income, reviewing asset documents, setting up and drawing loan docs. Capable of reviewing and doing curative title work such as reviewing loans to be payoff or deed of reconveyance, reviewing property tax information, coordinating for preparation for title documents, i.e. interspousal deeds, quit deeds and grant deeds, primarily affidavits to be notarized, mechanic liens to be cleared, performing verification ownership of the property by requesting chain of title, assisting and answering questions from title representatives what is needed documentation, in order to close the loan and secure title in timely matter.
- Coordinating closing of the file, final CD review and final signed off the file to funded status for quality control reporting. Staying up-to-date on latest and current loan regulations and compliance thru training at Wells Fargo Home Mortgage. Can work in a full-time remote position but also can work in office atmosphere as well.
- Previous employed at Wells Fargo Home Mortgage started 2001 ended at 2003 responsible for processing new construction loans (new home builder) on FHA and VA programs with down payment assistance program such as CalHFA or city programs for down payment assistance. Experience in refinance transactions as well as purchases. Capable of underwriting by performing income qualification and calculating debt-to-ratios and issue approvals on refinances only which were simple stream line only and conducting appraisal review on conventional and FHA appraisals prior to submitting for full underwriting approval to underwriting department on full doc loans.
Senior Account Manager I
LOAN DEPOT LLC
07.2019 - 09.2020
- Familiarity with all types of loan processing software, various loan scenarios and loan programs such as conventional, VA and FHA and very comfortable with refinancing and purchases on a nationwide basis on a light to heavy inbound and outbound call volume, emails with borrowers, loan officers, underwriters, title/escrow and other 3rd party vendors providing current progress on active loans. Preparing and reviewing final Closing Disclosure, drawing loan documents and setting signing appointments with title/escrow officers for borrowers, providing needed assistance during closing, in order to close the loan on its schedule time to close in professional matter for all involved parties on full-time remote position but can work in office atmosphere.
Loan Processor - Temp
Springboard Solutions, KEEP YOUR HOME
04.2012 - 06.2013
- Executing and processing a hardship program verifying borrowers’ income using their unemployment income and social income such as SSI and limited asset documentation to qualified for restructure on a existing loan with new monthly payments to prevent foreclosure on the homeowner's property.
Loan Processor
FIRST MORTGAGE SOLUTIONS
01.2010 - 09.2010
- Processing Conventional, FHA, VA, Refinance and purchases from start to finish, analyzing and reviewing credit, determining qualifying ratios by pre-underwriting and issuing pre-approval after LP/DU submission from wholesale lender, satisfying all underwriter conditions including title conditions, such as reconveyance deeds, loans to be paid off in funding, any title work to be done such as undetectable easements found, private roads etc., coordinating escrow in closing documents, sending out final HUD review by borrowers. Post closing on funded loans to investor servicer to be shipped. Knowledge and experience Non-QM loans for borrowers with low credit scores and high backend ratios.
Sr. Loan Processor
Centerpoint Mortgage
02.1993 - 12.2000
- Sr. Loan Processor, responsible from start to finish processing home loans from opening application entering data into processing (Calyx Point Software) to ordering credit reports, supplements, title reports and appraisal. Pre-underwriting by calculating income from all sources and debt to income ratios to qualify and making a decision what loan program to place loan based upon FICO score. Setting up signing appointments and ordering HUD with escrow by confirming final closing fees with escrow officer, loan officer and borrowers. Always in constant communication with borrowers and loan officers of the progress of the loan from approval to closing. Training new employees for junior processors position. License Real Estate Agent in this position at the time.
Education
Bachelors Degree - Business Management and Administration
WALDEN UNIVERSITY
Minneapolis, MN08.2014
Skills
- Organizational skills
- Windows
- FNMA
- Loan origination
- Customer Service (10 years)
- TILA
- Microsoft Word
- Microsoft Outlook
- Lending
- Credit analysis
- Salesforce
- Communication skills
- Microsoft Excel
- Time management (10 years)
- Analysis skills
- 10 key typing
- Fair Housing regulations
- Sales
- Microsoft Office
- Processing procedures
- Pipeline management
- Document review
- Residential mortgage lending regulations
- Proficient in [software]
- Loan closing procedures
- Problem-solving abilities
Certification
- NMLSR License October 2020 to Present
- Inactive Federal license
- Driver's License
- NMLS
Timeline
Associate Processor
Wells Fargo Bank N.A.
08.2023 - 08.2025
Loan Processor
WELLS FARGO HOME MORTGAGE
10.2020 - 11.2022
Senior Account Manager I
LOAN DEPOT LLC
07.2019 - 09.2020
Loan Processor - Temp
Springboard Solutions, KEEP YOUR HOME
04.2012 - 06.2013
Loan Processor
FIRST MORTGAGE SOLUTIONS
01.2010 - 09.2010
Sr. Loan Processor
Centerpoint Mortgage
02.1993 - 12.2000
Bachelors Degree - Business Management and Administration
WALDEN UNIVERSITY