Vera Man
Summary
- Highly detail-oriented and organized loan processor with 20+ years of experience in a fast-paced environment.
- Proficient in assisting qualified applicants with obtaining loans in a timely manner.
- Extremely organized and capable of maintaining complex loan records.
- Proven track record of addressing customer needs while presenting and exploring all of their financial options.
- Great team player and have ability to maintain quality of work even during times of high volume.
- The ability to cultivate trustworthy relationships with all parties and abide by all regulations and laws.
Overview
24
24
years of professional experience
Work History
Senior Mortgage Loan Processor / Loan Agent Assist
Wells Fargo
08.2019 - 11.2023
- Perform a thorough review and analysis of borrower's credit, income and assets, appraisals, title and insurance information as required by loan program before submitting the file to underwriting.
- Provide support to loan officer and underwriting teams by ensuring the timely, judicious and accurate processing of mortgages.
- Coordinated with loan officers, underwriters, and borrowers to gather necessary information and resolve any issues.
- Verified applicant information and prepared loan files for underwriting review.
- Communicated with clients to provide updates on their loan applications and address any concerns.
- Assisted loan agents in preparing loan packages and completing paperwork for submission.
- Conducted preliminary research on potential borrowers to assess creditworthiness.
- Document all communication related to the loan application in the LOS system's conversation log.
- When requested, directly communicate with customer in writing and by telephone to obtain missing documentation required for the loan.
- Managed administrative tasks such as filing, data entry, and maintaining client records.
- Collaborated with loan officers, processors and escrow to ensure timely processing of loan applications and closings
- Expertise in conforming and non-confirming loans, Fannie Mae &Freddie Mac Guidelines and FHA
- Ensure compliance with company policies, underwriting guidelines and lending program requirements.
- Ensure all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings.
- Complete required loan submission, re-submission, and closing checklists.
- Manage a pipeline of about 40 loans effectively with 25+ loan closings per month.
- Perform other duties as needed or assigned by management.
Senior Mortgage Loan Processor
San Francisco Fire Credit Union
12.2015 - 07.2019
Loan Processor
RPM Mortgage
06.2010 - 02.2011
Loan Processor
Bank Of Commerce Mortgage
06.2006 - 10.2008
Loan Processor
NorthPoint Financial Dba Wholesale America MTG
06.2005 - 03.2006
Loan Processor /Assistant to the Office Manager
Mortgage Connection
02.2004 - 06.2005
Loan Processor /Mortgage Loan Officer Assistant
Pacific Bay Financial
06.2001 - 12.2003
Loan Processor /Front Desk Receptionist /Secretary
BayCal Financial Corp
01.2000 - 05.2001
Skills
- MS Office suite and proprietary mortgage processing software
- Working knowledge of FHA, FHLMC, FNMA and FHA
- In-depth knowledge of real estate industry, loan underwriting and processing procedures
- MS Word, Excel, Outlook, Power Point, FHA Connection, different loan software (Calyx, Encompass, etc)
- Analytical skills
- Closing
- Communication skills
- Credit
- Customer Service
- Documentation
- Faxes
- Insurance
- Leadership
- Letters
- Excel
- Outlook
- Power Point
- MS Word
- Policies
- Problem solving skills
- Appraisals
- Reporting
- Tax
- Telephone
- Phone
- Troubleshoot
- Type
- Workflow
Timeline
Senior Mortgage Loan Processor / Loan Agent Assist
Wells Fargo
08.2019 - 11.2023
Senior Mortgage Loan Processor
San Francisco Fire Credit Union
12.2015 - 07.2019
Loan Processor
RPM Mortgage
06.2010 - 02.2011
Loan Processor
Bank Of Commerce Mortgage
06.2006 - 10.2008
Loan Processor
NorthPoint Financial Dba Wholesale America MTG
06.2005 - 03.2006
Loan Processor /Assistant to the Office Manager
Mortgage Connection
02.2004 - 06.2005
Loan Processor /Mortgage Loan Officer Assistant
Pacific Bay Financial
06.2001 - 12.2003
Loan Processor /Front Desk Receptionist /Secretary
BayCal Financial Corp
01.2000 - 05.2001
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