VANESSA A. PEREZ
Kissimmee
Summary
Highly skilled Jr loan processor with extensive experience in mortgage industry, disclosures, and compliance. Proven expertise in managing loan files from application through the transaction, while ensuring strict adherence to industry regulations. Adept at coordinating with Loan Officers, borrowers, and third-party vendors to facilitate smooth transaction. Strong knowledge of mortgage guidelines, financial documentation, and processing/underwriting requirements. Licensed Mortgage Loan Originator (NMLS#1858210).
Overview
13
13
years of professional experience
Work History
Production Assistant & Disclosure Specialist
LoanPeople LLC
09.2024 - Current
- Prepare, review, and issue initial loan disclosures, ensuring compliance with TRID regulations and federal/state mortgage laws.
- Collect, verify, and organize all required borrower documentation for loan file submission.
- Maintain and manage loan pipelines, ensuring timely processing, adherence to deadlines, and seamless loan flow.
- Serve as a key liaison between Loan Officers, borrowers, underwriters, and third-party vendors.
- Utilize loan origination systems (LOS) to update and track application statuses, ensuring accurate file documentation.
Production Assistant
Caliber Home Loans, Inc
03.2019 - 02.2024
- Set up loan files in the system and gathered all necessary borrower documentation for processing.
- Reviewed and verified financial documents, ensuring accuracy and compliance with loan guidelines.
- Submitted complete loan files to the processing department, monitoring progress and resolving issues.
- Assisted in clearing loan conditions by coordinating with borrowers, Loan Officers, and Processors.
- Maintained strict compliance with state and federal lending regulations.
- Helped with pre approvals.
- Ordered essential loan documentation, including credit reports, title work, Appraisal, verification of employment and insurance verification.
Jr Loan Processor
1st Financial Inc
03.2018 - 02.2019
- Opened home loan applications, ensuring timely submission to the processing department.
- Ordered essential loan documentation, including credit reports, title work, and insurance verification.
- Assisted Loan Officers in resolving loan conditions and gathering additional borrower information.
- Communicated with borrowers, title companies, and underwriting teams to facilitate smooth loan processing.
- Ensured loan files meet compliance and quality control standards.
- Reviewed and addressed loan conditions to ensure smooth approval and closing processes.
- Maintained compliance with company and industry guidelines.
Jr. Loan Processor / Processor
Universal Mortgage & Finance, Inc
10.2014 - 12.2017
- Set up and processed mortgage loan applications, verifying all required documentation.
- Ordered initial loan documentation such as appraisals, title work, and employment verifications.
- Communicated with borrowers, Loan Officers, and third-party vendors to expedite loan processing.
- Reviewed and addressed loan conditions to ensure smooth approval and closing processes.
- Maintained compliance with company and industry guidelines.
Customer Service / Admin
Vacation Village Resorts
07.2013 - 10.2014
- Greeted and assisted guests, providing information about resort amenities and tour schedules.
- Addressed customer inquiries and concerns, ensuring a high level of guest satisfaction.
- Provided administrative support, including data entry, scheduling, and document management.
Administrative Assistant
First Residential
08.2012 - 07.2013
- Managed daily administrative tasks, including scheduling, file organization, and client communication.
- Assisted with real estate and loan-related paperwork, ensuring accuracy and compliance.
- Provided clerical support for the mortgage department, including document preparation and data entry.
Education
SAFE NMLS License -
NMLS
Orlando, FL08.2021
Psychology
Palm Beach Atlantic University
Orlando, FL01.2015
High School Diploma - General Curriculum
Osceola County School for the Arts
Kissimmee, FL05.2012
Skills
- Loan Documentation Management
- Third-Party Coordination (Title, Appraisal, Insurance)
- Mortgage Loan Disclosures & Compliance
- Loan Origination Software (LOS) & CRM Systems
- Mortgage Systems experience in: Encompass, H2O, Byte
- Loan Submission to Processing & Condition Clearing
- Attention to Detail & Deadline Management
- Customer & Borrower Communication
- Bilingual fluent (Spanish/English)
Timeline
Production Assistant & Disclosure Specialist
LoanPeople LLC
09.2024 - Current
Production Assistant
Caliber Home Loans, Inc
03.2019 - 02.2024
Jr Loan Processor
1st Financial Inc
03.2018 - 02.2019
Jr. Loan Processor / Processor
Universal Mortgage & Finance, Inc
10.2014 - 12.2017
Customer Service / Admin
Vacation Village Resorts
07.2013 - 10.2014
Administrative Assistant
First Residential
08.2012 - 07.2013
Psychology
Palm Beach Atlantic University
High School Diploma - General Curriculum
Osceola County School for the Arts
SAFE NMLS License -
NMLS
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