Therese (Terry) Domingo
Las Vegas,NV
Summary
To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Resourceful Account Manager with excellent client oversight, issue resolution, and relationship-building expertise. Maximized repeat business opportunities and utilized proven prospecting techniques to expand client base. High-level sales cycle knowledge and strong collaborative skills leading to optimum outcomes. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
30
30
years of professional experience
Work History
Wholesale/Correspondent Account Manager / Senior Loan Processor
Axos Bank
09.2018 - Current
- Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages
- Contact borrowers for items needed for processing and underwriting files
- Review and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal
- Ensure compliance with company policies, company and agency underwriting guidelines and lending program requirements
- Work with borrowers, loan officers and title companies in gathering “needs list” items for underwriting, scheduling and tracking of closing/contingency dates and loan lock expirations
- Manage loan pipeline as well as conduct credit and underwriting analysis
- Experience using Fannie Mae’s Desktop Underwriter and Freddie Mac’s Loan Prospector
- Experience processing and submitting loans for brokered loan or investor loan approval
- Work with outside brokers in prepping, submitting and closing “out of the box” loan programs (lenders used Caliber, Angel Oak and Oaktree to name a few)
- Adept at calculating income from salaried and self-employed individuals (all business and personal tax returns included)
- Self-starter with a strong desire to learn and be a member of an innovative winning team
- Be proactive in checking documentation for accuracy and potential problems
- Prepare loan package for submission to underwriting
- Thorough review and evaluation of all documentation related to loan file
- Analyze underwriting conditions and notify customers of items required
- Communicate with appropriate parties to satisfy lender conditions (order VOD, VOE, etc)
- Review and satisfy prior to docs, prior to funding, and post-closing conditions when required
- Ability to work with Wholesale and Correspondent clients and third parties (closing agents, realtors, etc.) to satisfy lender conditions
- Maintain stellar internal and external customer service
- Issue required Change of Circumstance Loan Estimates and Initial Closing Disclosures
- Other duties as assigned to include cross training within other departments.
Closer
Noble Home Loans
02.2018 - 09.2018
- Monitored daily warehoused loans shipped to investors for purchase consideration; resolve pending conditions for all loans to be purchased by investors
- Reconciliation and reporting for investors of warehouse lines for continued purchase/funding availability on a daily basis
- Supported underwriting, shipping/set-up, processing, doc drawing, funding as needed; drawing documents, running all credit reports, flood certificates, review and append appraisals and ordering title
- Audited all loans for compliance requirements and investor requirements / quality control coordination and recap of all errors made on weekly basis
- Oversaw signing off of pending conditions prior to documents and prior to funding including all appraisals and property searches relative to borrowers and property being mortgaged
- Managed investor reporting daily for upper management and reconciliation of sold loans.
Loan Processor
Mann Mortgage LLC
04.2016 - 01.2018
- Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages
- Contact borrowers for items needed for processing and underwriting files
- Review and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal
- Ensure compliance with company policies, company and agency underwriting guidelines and lending program requirements
- Work with borrowers, loan officers and title companies in gathering “needs list” items for underwriting, scheduling and tracking of closing/contingency dates and loan lock expirations
- Manage loan pipeline as well as conduct credit and underwriting analysis
- Experience using Fannie Mae’s Desktop Underwriter and Freddie Mac’s Loan Prospector
- Experience processing and submitting loans for brokered loan or investor loan approval
- Work with outside brokers in prepping, submitting and closing “out of the box” loan programs (lenders used Caliber, Angel Oak and Oaktree to name a few)
- Adept at calculating income from salaried and self-employed individuals (all business and personal tax returns included)
- Self-starter with a strong desire to learn and be a member of an innovative winning team.
Senior Loan Processor/Jr. Underwriter
Noble Home Loans
12.2013 - 04.2016
- Work closely with our Loan Officers to ensure a timely and accurate experience for our clients—from first time home buyers to refinancers—throughout the entire mortgage process
- Prepare, review and ensure the timely delivery of all loan disclosures to your clients in accordance with all governmental and investor requirements and submit complete loan files for underwriting review
- Order and review all necessary AUS, appraisal and title documentation, as well as all required credit and underwriting documentation
- Scheduling and tracking of closing dates, contingency dates and loan lock expirations
- Manage loan pipeline as well as conduct credit and underwriting analysis
- Experience using Fannie Mae’s Desktop Underwriter and Freddie Mac’s Loan Prospector
- Adept at calculating income from salaried and self-employed individuals.
Correspondent Senior Loan Specialist / Comp Review Underwriter
Citibank
08.2010 - 11.2013
- Work closely with clients (originating lenders) and internal account executives to aid in managing loan suspense pipeline and making the delivery process (purchase) to Citibank servicing area smooth and efficient
- Ensure customer satisfaction by taking ownership of client issues to resolution
- All questions/concerns that arise from the day-to-day business
- Responsible for daily review and underwriting escalation production
- Pre-underwriting of FHA, VA and conventional loans (via income, asset & liability production)
- Answer incoming process and suspense questions via direct calls or emails from assigned lenders
- Resolve underwriting, pricing, and system escalations generated by file review
- Answer incoming processing or generic correspondent questions via phone queue or team email box
- Build and maintain relationships with our external customers
- Proficiency with Fannie, Freddie, FHA, VA and Citibank guidelines and with AUS systems such as DU and LP
- Proficient with RESPA / TILA and other regulatory procedures and practices
- Analytical and problem-solving skills used in dealing with internal and external clients along with excellent verbal and written communication skills
- Final audit of loan file prior to disbursement of funds for guideline adherence and portfolio qualifications
- Work with accounting and funding departments to reconcile mortgage closings, payoffs, funding and servicing transfers.
Loan Pipeline Coordinator / Mortgage Department
Toyota Fin. Savings Bank
08.2008 - 08.2010
- Coordinated and managed daily loan processing and loan funding in addition to assist underwriting in organization of loans in active pipeline
- Analyzed daily loan processes from all vendors including audit of underwriting, processing and funding criteria and functionality and reporting to upper management within Toyota organization
- Implemented process improvements and changes within vendor services such as processing, underwriting, appraisals, title and escrow services and funding procedures
- Facilitated Compliance department with special projects such as CRA and HMDA reporting documentation and report reconciliation
- Assisted accounting department in daily reconciliation of mortgage servicing with vendors and deposit transfers.
Post Closing Manager/Underwriter/Processor
Spectrum Financial / SFG Mortgage
02.2002 - 08.2008
- Monitored daily warehoused loans shipped to investors for purchase consideration; resolve pending conditions for all loans to be purchased by investors
- Reconciliation and reporting for investors of warehouse lines for continued purchase/funding availability as part of daily duties
- Supported underwriting, shipping/set-up, processing, doc drawing, funding as needed; drawing documents, running all credit reports, flood certificates, review and append appraisals and ordering title
- Audited all loans for compliance requirements and investor requirements / quality control coordination and recap of all errors made on weekly basis
- Oversaw signing off pending conditions prior to documents and prior to funding including all appraisals and property searches relative to borrowers and property being mortgaged
- Managed investor reporting daily for upper management and reconciliation of sold loans.
Closing/Payoff Department Supervisor
U.S. Mortgage
06.1994 - 02.2002
- Mortgage loan servicing company – audited / posted daily payments; produced balance sheets and performed daily bank reconciliations; inbound/outbound collection calls and correspondence for accounts up to 90 days
- Handled foreclosures and bankruptcies prior to becoming payoff department supervisor; then reviewed mortgage loan documents for over 500 mortgage banking investor loan portfolios; retrieval and execution of loan documents and appraisal/Broker Price Opinions before, during and after loan sales payoffs
- Assisted daily in the updating and upgrading of system programs for new/improved loan documents; recommended and implemented system enhancements for better consumer and client services.
Education
A.A. Degree / Journalism -
Orange Coast College
Costa Mesa, CAA.A. Degree / Travel -
Coastline Community College
Fountain Valley, CACertificate / Computer Programming -
National Research Inst. Of Technology
Washington, DCCertificate / Applied Computer Science -
Education Direct
Scranton, PASkills
- Team Collaboration
- Deadline Management
- Teamwork and Collaboration
- Customer Service
- Problem-Solving
- Time Management
- Attention to Detail
- Problem-solving abilities
- Multitasking
- Reliability
- Excellent Communication
- Critical Thinking
- Organizational Skills
- Effective Communication
- Adaptability and Flexibility
- Decision-Making
- Relationship Building
- Microsoft Office
- Analytical Thinking
- Adaptability
- Problem-solving aptitude
References
Available upon request
Timeline
Wholesale/Correspondent Account Manager / Senior Loan Processor
Axos Bank
09.2018 - Current
Closer
Noble Home Loans
02.2018 - 09.2018
Loan Processor
Mann Mortgage LLC
04.2016 - 01.2018
Senior Loan Processor/Jr. Underwriter
Noble Home Loans
12.2013 - 04.2016
Correspondent Senior Loan Specialist / Comp Review Underwriter
Citibank
08.2010 - 11.2013
Loan Pipeline Coordinator / Mortgage Department
Toyota Fin. Savings Bank
08.2008 - 08.2010
Post Closing Manager/Underwriter/Processor
Spectrum Financial / SFG Mortgage
02.2002 - 08.2008
Closing/Payoff Department Supervisor
U.S. Mortgage
06.1994 - 02.2002
A.A. Degree / Journalism -
Orange Coast College
A.A. Degree / Travel -
Coastline Community College
Certificate / Computer Programming -
National Research Inst. Of Technology
Certificate / Applied Computer Science -
Education Direct
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