Vivian Tang
Tyngsboro,USA
Summary
Seasoned Senior Mortgage Loan Processor with a proven track record of managing high volumes of loan documentation in fast-paced environments. Expertise in underwriting guidelines, risk assessment, and regulatory compliance ensures adherence to standards while maintaining productivity and customer satisfaction. Strong communication, problem-solving, and time management skills facilitate efficient workflows and enhance team collaboration. A commitment to accuracy drives success in meeting demanding funding targets and client needs.
Overview
30
30
years of professional experience
1
1
Certification
Work History
Personal Care Attendant
Northeast Arc
Danvers, MA
03.2017 - Current
- Provide compassionate care and assistance for patients of Activities of Daily Living
- Transport clients to and from pharmacy and doctor’s appointments as needed
- Organize and prepare meals incorporating healthy seasonal produce
- Bathing and Personal Hygiene and document client progress, either written, electronically or verbally, to help ensure their overall wellbeing
Junior Underwriter/ Fast Track Analyst
Mortgage Equity Partners
Remote Employee
07.2020 - 10.2023
- Analyze information to determine for Fast Track mortgage approvals
- Responsible for analyzing/ verifying income, assets, credit and all supporting documentation to ensure sufficient to loan standards and guidelines
- Provide direction and guidance to processing staff and loan officers for documentation and processing
- Review loan conditions as set forth by original underwriter, including but not limited to, tax returns, title reports, credit reports, income and assets documentation and appraisal conditions
- Generate additional conditions as necessary
- Update automated underwriting applications per new information received, assess results and generate necessary loan conditions
- Proficient with automated system, such as Desktop Underwriter and Loan Prospector
- Accurately assess fraud indicators and report suspicious activity according to company policy
- Re-work files based on changes and updates to loan terms/conditions/investors
- Prepare files for closing
Sr. Mortgage Loan Processor
Leader Bank
Remote Employee
09.2019 - 07.2020
- This position is responsible for Pre-underwriting and processing 1st and 2nd mortgage applications and preparing the physical file for the underwriter
- Process FHA, conforming, and non-conforming loans
- Accurate and timely delivery of RESPA/TIL documents to potential Borrower(s)
- Order and follow up with vendors for proper appraisal, title, closing, flood, etc
- Follow up with Loan Officers and Borrower(s) to obtain any required additional loan documentation
- Update Borrower(s) profiles and applications
- Update and validate DU and LP findings
- Prepare file for closing
Underwriter - Temporary position -3 months
USALLIANCE
Chelmsford, MA
04.2019 - 07.2019
- Analyze information to determine risk involved in lending money for mortgage loans
- Responsible for analyzing/ verifying income, assets, credit and all supporting documentation to ensure sufficient to loan standards and guidelines
- Includes verifying all documentation is correct, complete and in the loan file; that the information has been correctly calculated
- Provide direction and guidance to processing staff for documentation and processing quality; ensure file conforms to guidelines
- Review appraisal to ensure value of collateral is sufficiently documented and appraiser has correctly completed forms
- Assist in making decision to either deny loan or, depending on the loan’s attributes, approve loan or make recommendation to approve loan
- Review underwriting decision, reasoning (logic), and conditions or counteroffer with appropriate parties
- Keep current on regulations and policies and guidelines and on changes of agencies
- Assume additional duties as they arise, cross-train within the department, and be responsive to the department
Sr. Residential Lending Underwriter
Winchester Savings Bank
Winchester, MA
05.2017 - 11.2018
- Manually Underwrite and pre-qualify mortgage applicants in accordance with established guidelines and further recommend approval or denial
- Underwrite HELOC and HELOAN and prepare subordination agreement
- Analyze credit reports, verify income and assets, prepare loan closing documents, coordinate closings with attorneys
- Interview prospective mortgage customers, underwrite and approve/deny mortgage applications up to lending authority; underwrite and forward applications in amounts exceeding lending authority to Res
- Loan Officer
- Underwrite bridge loans and renewals of bridge loans, holdback loans and perform Loan processing duties and other duties as needed
Underwriter
Commonwealth Mortgage LLC
Woburn, MA
06.2013 - 02.2017
- Performed timely review of conditions submitted as loan resubmissions; maintained quality and production standards as defined by industry standards
- Studied and reviewed carefully facts and figures based on the submitted requirements and documentation to decide whether a client should be granted a loan
- Verified the income and employment details of the applicant and reviewed the applicant's credit history score
- Took note of and applied consistently fraud detection techniques, lending guidelines – FNMA, FHLMC, Mass Housing, USDA, and FHA as well as lender specific overlays
- Analyzed title and appraisal reports; read/review AUS findings and feedback reports - DU or LP
- Navigated and completed loan packages using processing/ underwriting software employed by the company which is Encompass
- Assisted in special projects as needed by upper management; reviewed full credit application packages for completeness and accuracy
- Analyzed income documentation including personal, partnership and corporate tax returns
- Organized file documentation for final review and clearing of all conditions in preparation of the closing of the loan
- Processed contracts and loan applications; analyzed the financial health of loan applicants through assessment of creditworthiness
- Ensured that a loan applicant will be able to repay the debt by strictly following assessments rules; made mortgage loan recommendations and disapprovals
Junior Underwriter/Post Closer/QC Audit
Commonwealth Mortgage LLC
Woburn, MA
06.2013 - 01.2016
- Review loan conditions as set forth by original underwriter, including but not limited to, tax returns, title reports, credit reports, income and assets documentation and appraisal conditions
- Generate additional conditions as necessary
- Communicate effectively and professionally with origination staff and management on matters related to underwriting requirements
- Update automated underwriting applications per new information received, assess results and generate necessary loan conditions
- Accurately assess fraud indicators and report suspicious activity according to company policy
- Re-work files based on changes from Underwriter and updates to loan terms/conditions/investors
- Review all documents after the loan closed and fund
- Complete thorough analysis of loan files to determine compliance with investor guidelines
- Shipped file to the correct investor
- Prepare Allonges to ship out the original Note to each warehouse line and investors
- Respond to post-closing and insuring suspended loans in a timely matter
- Review conditions on all suspended files with different investors
- Maintain turnaround time requirements per department specifications
- Follow up on suspense items with investors and work with borrowers to get the suspense conditions clear for loan purchase
- QC- review files to ensure all information and documents are accurate
- Contact the underwriter back for missing documentations for the loan file in order to clear the loan for closing
- Once all documents are in, emailed clear to close packages to all parties involved for closing
Junior Underwriter
Omega Mortgage a division of Lowell Cooperative Bank
Lowell, MA
08.2012 - 06.2013
- Review loan conditions as set forth by original underwriter, including but not limited to, tax returns, title reports, credit reports, income and assets documentation and appraisal conditions
- Generate additional conditions as necessary
- Update automated underwriting applications per new information received, assess results and generate necessary loan conditions
- Proficient with automated system, such as Desktop Underwriter and Loan Prospector
- Accurately assess fraud indicators and report suspicious activity according to company policy
- Re-work files based on changes and updates to loan terms/conditions/investors
- Prepare files to clear them for docs; may perform Fannie Mae Early Check, and ensure all data entry in file is consistent
- Communicate effectively and professionally with origination staff and management on matters related to underwriting requirements
- Maintain turnaround time requirements per department specifications
- Address Quality Control audit issues in a timely manner
- Participate in proactive team efforts to achieve departmental and company goals
- Import closed loans into the Freddie Mac Selling system, and submit loan to investor
Home Loan Processor 4 (Interim position)
Wells Fargo Home Loans
Andover, MA
10.2011 - 03.2012
- Position includes processing, closing and compliance for loan products, interpreting policies while analyzing applicant, property and documentation, ordering all required verifications, documentation and subsequent follow-ups
- Provide guidance and training to other loan documentation team members
- Manage an assigned pipeline of loans
- Experience processing conforming and non-conforming loan products, including data analysis and validation
- Demonstrated Customer Service Experience
- Excellent verbal and written communication skills
- Strong interpersonal skills to build and maintain professional relationships with clients, customers and co-workers
- Ability to perform tasks with limited supervision, effectively prioritize multiple objectives and achieve volume goals
- Ability to prioritize and work independently with Windows operating systems
Home Service Specialist II
Bank of America Home Loans
Waltham, MA
02.2008 - 08.2011
- Disclose all incoming loans with the guidelines
- Level 1 underwriting authority
- Process and underwrite loans approved by an automated decisioning system or manual underwrite on Refer loans
- Responsible for clearing conditions and issuing changes to the terms on previously approved loans
- Responsible for verifying conditions of approval which may include, customer income/assets documentation, resolves routine title issues including, but not limited to the following: vesting issues, child support liens, judgment liens, mechanic liens and undisclosed liens re conveyances; may processes subordinations; resolves appraisal disputes; depending on channel, may coordinate closing activities
- Verify employment history prior and before loan goes into closing
- Maintains a high level of customer service by being proactive in communication with customers, may include banking center associates, Realtors and Attorneys
- Verify fraud detector
- Sign off and clear all conditions and prepare loan for closing department
- Help prepare closing packages for shipping
Training Documentation Specialist
Lantheus Medical Imaging
Billerica, MA
01.2009 - 07.2009
- Company Overview: Contractor for Aerotek (6 months project)
- Work with IT transition SAP work stream to create and edit key project documents, including business process procedures and training materials
- Provide documentation and logistical support to project teams including Communications and Training work streams
- Provide administrative assistant to different departments
- Contractor for Aerotek (6 months project)
Collateral Loan Specialist
TD BankNorth
Burlington, MA
09.2008 - 12.2008
- Company Overview: Contractor for Aerotek
- Provides ongoing customer service and documentation support as loan officer's liaison on assigned commercial accounts, providing professional and efficient service to external and internal customers to ensure data accuracy, avoid losses and reduce undue risk
- Coordinates preparation of documentation for new and existing commercial loans with loan officers, commercial loan administration, outside attorneys and other vendors, customers and others, according to established Company policy and applicable industry regulations
- Researches and gathers necessary supporting documentation, including business and individual credit reports, tax returns, information on other lenders to customer, collateral, environmental, flood risks and other information
- Organizes final document packages for closing
- May coordinate recording of transactions in the public record, send completed loan documentation packages to quality control area, resolve any issues identified, set up ticklers in system as reminders of various actions needed and disburse loan funds to customers
- Coordinates credit facility renewals and performs variety of portfolio-related and customer service activities on an ongoing basis
- Ensures that own work, as well as work of any employees supervised, is in compliance with applicable laws, regulations and guidelines, as detailed in policies located on Company intranet
- Contractor for Aerotek
Executive Assistant
Raytheon Integrated Defense System
Tewksbury, MA
10.2007 - 08.2008
- Responsibilities include planning, coordination of team functions, events, meetings, conferences and exercises, both for operational and social purposes
- Details include aspects of participation, scheduling, logistics, agenda, etc
- Responsibilities also include all daily business administrative tasks, correspondence, computer entry, data management, preparation of presentations and reports, tracking expenses, reconcile expenses and arranging travel, management of calendar, interfacing with employees and senior management, other Raytheon businesses and external customers
- Work on special projects as required
- Will manage telephone communications and perform other administrative tasks as necessary to ensure effective and efficient support
- Complete special projects and deliverables as requested
- Knowledge of Lotus Notes, Apex, SAP, ICMS and MS Office
Loan Processor / Customer Service
Washington Savings Bank
Dracut, MA
11.2005 - 04.2007
- Receive and process completed residential mortgage and consumer loan applications according to established procedures
- Enter application information into the mortgage origination system; maintain and update information on the system throughout processing
- Prepare and mail applicable verification/information requests (employment, deposits, credit, etc.); monitor until all information is received
- Order property appraisal, in compliance with the Bank's Appraisal Policy and procedures; monitor until completed appraisal is received
- Communicate with borrowers as necessary; mail disclosure statements on a timely basis; request documentation or other information as needed
- Review all loan information to ensure compliance with secondary market guidelines
- Compile all documentation and when complete, forward to the Loan Officer or Vice President of Lending for underwriting
- Process and prepare closing documentation for all home equity lines of credit and home equity loans as directed
- Prepare consumer worksheet for Auto Loans, Personal Unsecured and Reserve Line of Credit for Underwriter
- Cut checks and close approved loans
Mortgage Loan Processor
New England Regional Mortgage Corporation
Salem, NH
01.2003 - 06.2005
- Know all aspects regarding the production and the interpretation of Pre-Approval, Commitment, Denial and Suspense letter
- All government (FHA & VA) Loan application forms
- Knowledge of Alternate Solution, Make that sale and Second Chance Loans
- Excellent customer service skills and use of correct procedures in governing contacts with borrowers, real estate brokers, vendors and loan originators
- Received loans with assigned number from receptionist and put loan document in proper file order
- Entering loan application into mortgage software system accurately
- Type and review Good Faith Estimate and Truth in Lending, mail disclosures to borrowers
- Review and print out Loan application along with underwriting analysis form
- 1008 transmittal or MACAW
- Print and mail out verifications applicable to the loan program
- Order appraisals, Title and Government case numbers
- Order PO#’s for the appraisal and automated underwriting, run application through the proper automated program underwriting system
- Log order dates into the Contour Loan Handler system
- Interface Contour Loan Handler with Data-Trac system
- Track dates for Commitment on purchases as well as clear to close dates
- Call the borrowers regarding Loan Approval or Suspense letting them know that a request for the documents is on the way
- Use the Loan Approval to guide the borrower in obtaining and sending the proper documents
- Process mails, emails and faxes sent to clear the conditions
- Submit file to the underwriter immediately when Appraisals are received
- Assisted in the accounting department doing posting invoices and daily journal entry
Legal Secretary
Law Offices of Robert J. Carnevale, P.C.
Lowell, MA
01.2002 - 01.2003
- Office Manager, worked with little supervision
- Train new employees
- Track employee’s time and daily work
- Intake information’s on all new clients
- Process Personal Injury Protection
- Communicate with PIP and BI adjuster at various Insurance Companies
- Answer all incoming calls
- Make sure all other staff has work to do
- Type up settlement demand letters and send them out properly
- Make sure all of client’s medical bills are paid
- Take care of all correspondence
- Faxing, copying, filing & schedule appointments
- Translating for clients that do not speak English
- Taking care of payrolls and office supply bills
Medical Secretary
Pine Street Chiropractic
Lowell, MA
01.1997 - 01.2002
- Process all medical claims and bills
- Answering and making phone calls
- Filing, faxing, copying files
- Scheduling appointments, daily entry of patient’s treatment with correct medical codes
- Send out medical documents to proper Attorney’s office after the patient is discharge
- Making sure that the office receives proper payments from Insurance claims
- Tracking all payment checks in system
- Collections of unpaid medical bills
- Translating for the Doctor for patients that does not speak English
- Filling out the application for new patients
Medical Secretary
Mercy Medical Clinic
Lowell, MA
01.1995 - 01.1997
- Process all medical claims and bills
- Answering and making phone calls
- Filing, faxing, copying files
- Scheduling appointments, daily entry of patient’s treatment with correct medical codes
- Send out medical documents to proper Attorney’s office after the patient is discharge
- Making sure that the office receives proper payments from Insurance claims
- Tracking all payment checks in system
- Collections of unpaid medical bills
- Translating for the Doctor for patients that does not speak English
- Filling out the application for new patients
Education
Business Administration -
Middlesex Community College
Lowell, MA01.2025
G.E.D. -
Lowell Adult Education
Lowell, MA01.1999
Skills
- Organizational aptitude
- Documentation review
- Mortgage underwriting expertise
- Loan processing proficiency
- Credit evaluation
- Collaboration and teamwork
- Time management capabilities
- Problem solving prowess
- Fraud detection awareness
- Pipeline management experience
- Loan origination system expertise
- Continuous improvement mindset
- Strong communication skills
Affiliations
- Project HOPE Boston
- Lowell Humane Society Animal Shelter
- Lowell Transitional Living Shelter
Languages
Khmer
Native/ Bilingual
English
Full Professional
Certification
- Notary Public
References
References available upon request.
Timeline
Junior Underwriter/ Fast Track Analyst
Mortgage Equity Partners
07.2020 - 10.2023
Sr. Mortgage Loan Processor
Leader Bank
09.2019 - 07.2020
Underwriter - Temporary position -3 months
USALLIANCE
04.2019 - 07.2019
Sr. Residential Lending Underwriter
Winchester Savings Bank
05.2017 - 11.2018
Personal Care Attendant
Northeast Arc
03.2017 - Current
Underwriter
Commonwealth Mortgage LLC
06.2013 - 02.2017
Junior Underwriter/Post Closer/QC Audit
Commonwealth Mortgage LLC
06.2013 - 01.2016
Junior Underwriter
Omega Mortgage a division of Lowell Cooperative Bank
08.2012 - 06.2013
Home Loan Processor 4 (Interim position)
Wells Fargo Home Loans
10.2011 - 03.2012
Training Documentation Specialist
Lantheus Medical Imaging
01.2009 - 07.2009
Collateral Loan Specialist
TD BankNorth
09.2008 - 12.2008
Home Service Specialist II
Bank of America Home Loans
02.2008 - 08.2011
Executive Assistant
Raytheon Integrated Defense System
10.2007 - 08.2008
Loan Processor / Customer Service
Washington Savings Bank
11.2005 - 04.2007
Mortgage Loan Processor
New England Regional Mortgage Corporation
01.2003 - 06.2005
Legal Secretary
Law Offices of Robert J. Carnevale, P.C.
01.2002 - 01.2003
Medical Secretary
Pine Street Chiropractic
01.1997 - 01.2002
Medical Secretary
Mercy Medical Clinic
01.1995 - 01.1997
Business Administration -
Middlesex Community College
G.E.D. -
Lowell Adult Education
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