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Mortgage Specialist Resume Samples
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0-5 years of experience
Job Duties: *Originated and processed first/second mortgage loan applications and negotiated sales of conforming/non-conforming conventional, FHA, VA, & MHFA mortgage loans.
- Built/maintained superior accounts relationships, developed rich referral pipelines, and maintained 75 to 150 loans in process.
- Counseled homebuyers and recommended loan products and options to meet individual client needs.
- Closed 40 to 50 monthly loans yielding an average threshold of 35 and maintained RESPA and HMDA compliance.
- Responded to inquiries & referrals, presented purchasing and refinancing mortgage loan service options and alternatives, and drove new business and profitability.
0-5 years of experience
Consulted with clients about their current and future needs to help them achieve their financial goals
- Educated and advised clients on the home buying process and how to better manage their mortgage(s)
- Assisted clients through the loan process from application to closing and troubleshoot any transaction issues
- Individual achievements: leading contributor to aiding company gross 75K monthly
- Average 3 Loan closings a month, revenue ranging from 850K- 3.8 million
0-5 years of experience
Reviewed and processed applications to ensure borrowers met the qualifications for a Reverse Mortgage.
- Performed physical review of new file submission for completeness and accuracy.
- Gathered conditions on approved loans
- Coordinated scheduled closing dates with borrowers, closing agents and Reverse Mortgage Consultants.
- Prepared HUD 1 statements for review and approval.
- Review preliminary files to help render a decision based on Fannie Mae, Freddie Mac and FHA, VA guidelines.
- Analyzed the information provided by the borrower such as income, assets and their credit worthiness.
0-5 years of experience
High producer of Seasoned Compliance document review and up to 36 month payment history and collection comment servicing reviews.
- Specialized in REO, Foreclosure, and Bankruptcy pricing components and risk analysis. Completed full payment history cash velocity and collection comment audits for pricing components and successfully reviewed all servicing and legal related obstructions for tiered exceptions.
- Closely monitored the performance of clients current portfolio of specialty loans and made changes to achieve performance targets.
- Identified problem areas within the loan portfolio, analyzed risks, and suggested appropriate solutions or exceptions.
- Trained new team members on applying due diligence procedures and regulatory mandates.
- Verified loans adhered to all federal and state compliance guidelines relative to retail mortgage lending.
- Verified loan credit, income, and assets complied to original guidelines and approvals. Proficient in running and analyzing AUS DU/LP as well as manual approvals to ensure all closing conditions were satisfied as required.
0-5 years of experience
Gathered and organized all relevant credit and guarantee information required to document mortgage loan files for suitable product type
- Reviewed paperwork to ensure 100% accuracy and completeness of loan applications
- Provided full loan review for compliancy, accuracy, and completeness for the HAMP or Home Affordability Program
- Maintained records for principal payment and calculated interest.
- Evaluated all approved mortgage loans and managed closing for private mortgage insurance.
0-5 years of experience
Responsible for gathering important and time sensitive documentation from our customer to review loan, closing, and settlement services for loans.
- Supervise document review process to verify all documentation is complete and matches the organization standards for account review.
- Show leadership skills by assisting co-workers with distributing crucial information, answering frequent questions, and sharing my knowledge to improve the quality of our business.
- Cautious to verify all parties contacting the organization including legal disclosures to minimize leak of information that can threaten our client’s security.
- Knowledgeable and skilled learner that used computer software technology to organize, create, modify, and update important client information through the process of hardship assistance.
- Responsible for being the communicator between the organization and the customer to ensure a peaceful win-win resolution.
- Was recognized as one of the top 5 agents, to hit required goals from date of hire, resulting in incentives.
0-5 years of experience
Worked to ensure the timely packaging of refinancing options for a wide range of clientele
- Ensured the compliance of banking and or finance laws in the jurisdiction of the consumer, all while confirming the best refinancing option for the homeowner
- Sought better more effective repayment terms for the refinancer, while educating them from start to finish on every aspect of the loan process
- Trained recently hired colleagues on how to best assist the consumer during all times of the financing transaction
- Educated and outlined potential default consequences to the consumer in order to keep them properly aware of all potential aspects of the loan process
0-5 years of experience
Responsible for handling, and managing mortgage discrepancies for distressed homeowners
- Handled all escalation calls dealing with mortgage services on behalf of the CEO of Bank of America
- Guided and assisted customers through the process of modifications, refinances, short sales, foreclosures, etc.
- Kept Daily reports tracking all processed calls and customers helped throughout the day
- Communicated with various departments, with employees of various positions within BofA to assist clients
0-5 years of experience
- Consistent top 10 producer in quality assurance and overall production among a staff consisting of more than 100 mortgage loan processors.
- Helped to minimize processing errors by 20% by pre-underwriting loans prior to submission to underwriting, while complying with specific investor guidelines.
- Managed pipeline of more than 30 files per month by reviewing property titles, property inspections, and acquiring relevant documents prior to closing.
0-5 years of experience
Collaborate with underwriters to complete all underwriting support tasks in a timely fashion. Perform QC on all aspect of the underwriting of the file to comply with company, state and federal guidelines.
- Produced and analyzed 24+ Commitment Letters, Counter-Offer Letters, and Denial Letters per day
- Investigated conditions that needed to be satisfied by the client by researching the Underwriter’s Worksheet
- Analyzed and ensured proper approval from the Mortgage Advisor was provided for a credit extension prior to modifying the credit expiration date
0-5 years of experience
Coordinated all aspects of residential loans, including evaluation, processing, and closing of FHA loans nationwide, handling 150 loans per month.
- Reviewed files, including preliminary file, escrow instructions, loan application, and correspondence from the sales force to ensure compliance with policy, completeness, accuracy, and current underwriting standards
- Prepared closing documents (in-house documents, notes, deeds of trust, and Truth in Lending {Reg Z} form); cleared and conveyed title; collected and disbursed funds; documented the file in compliance with prescribed procedures, and legal and investor requirements
- Resolved any issues arising in escrow
- Explained complex details to borrowers and interacted with brokers, escrow, and Wells Fargo associates
- Trained staff in funding procedures
- Entered data into computerized system
- Resolved internal issues
10+ years of experience
Managed a team of 12 Mortgage Specialists assisting them in their daily activities and helping them meet monthly goals.
- Reviewed borrower’s credit and income profiles for my mortgage specialists to ensure their clients met the requirements of the loan program they were applying for.
- Dealt on a daily basis with various vendors attempting to obtain our business or use their products.
- Conducted interviews of potential new mortgage specialists and upon hiring them assisted in training them.
- Personally underwrote between 5 and 10 million dollars a month in mortgage loans and then sold them to the secondary market.
0-5 years of experience
Prepare final documentation and mortgage-closing packages for conventional, government and home-equity loans. Review loan files and title commitments to ensure loans are in compliance with company, state, and federal regulations.
- Competently reviewed all assigned loans, ensuring that all loans were not under or over disclosed, reviewed all documents ensuring that they were free from errors and issues before sending them to funding.
- Served on loan-compliance team that achieved a Star Award for increasing loan production by 15% in 2012. Attained a stellar loan-close percentage.
- Completed intensive, four-week mortgage-compliance training program covering VA, FHA, FHA 203(k), FHLMC, FNMA and other loan programs as well as loan-processing software.
0-5 years of experience
Provided Administrative and business support to all levels of Management, Sales and Fulfillment in the Relocation Division
- Created efficient reporting tools that increased productivity for 200+ Sales and Fulfillment employees
- Scheduled meetings, managed Supervisors and Sales email boxes as well as preparing a variety of material such as instructional materials and reports of a routine or special nature
- Planned and coordinated business development training, team meetings and volunteer opportunities
0-5 years of experience
Obtained a thorough understanding of Lender and Government guidelines, to assist in the sales and processing of Conventional, Unconventional and FHA loan products.
- Generated and mailed all RESPA, HUD and State disclosures in required timeframes in order to stay in compliance with lending laws.
- Preformed a complete analysis of loan submissions to ensure all information is complete and accurate before submitting to underwriting.
- Contacted borrower to request all necessary documents needed to clear all pending underwriting conditions.
- Coordinated with 3rd party vendors, ordered and reviewed appraisals, opened escrow order all credit supplements and retrieved verifications of employment, deposit and mortgage as needed.
- Reviewed HUD/Settlement statements for accuracy to ensure a punctual closing and superior customer satisfaction.
- Accomplish targeted performance objectives with a positive and can-do attitude.
- Efficiently managed a pipeline of 20 plus loans.
0-5 years of experience
- Prepared, audited and verified the accuracy of information for title.
- Reviewed estimated HUD-1 for accuracy of all related fees associated with title.
- Verified HUD-1 settlement statements for completeness and accuracy
- Reviewed all final signed documents for data integrity on all files prior to issuing title
0-5 years of experience
Gathered and scrubbed documents and provided updates to clients during processor role
- Analyzed income, asset and credit statements during underwriting role
- Followed up with leads and originated loans as a mortgage broker
- Assisted clients with understanding disclosures during mail away and in office closings
0-5 years of experience
Communicated effectively and appropriately to Fannie Mae point of contacts to resolve issues and provide updated information
- Handled a case load of 1,100 loans
- Prioritized tasks and managed time to ensure that deadlines were me
- Maintained collection procedures and timelines
- Managed and implemented loss mitigation programs (loan workouts: approval, monitoring, success ratios, savings)
- Evaluated loss mitigation tools
- Handled all foreclosure tracking and monitoring
- Performed all reporting needs on default serving
- Kept current with all applicable federal and state regulations and policies
0-5 years of experience
Contact mortgage borrowers with Freddie Mac and Fannie Mae loans via automated dialer system and manual dialing to collect monthly mortgage payments, setup repayment plans, refer borrowers for Home Affordable Modification Program ( HAMP ) and MHA Modifications, use policies and procedures to research loans, and explain Liquidation Options (Foreclosure, Short Sale, and Deed in Lieu.) Take escalation calls from borrowers experiencing problems with the Mortgage process or Modification process.
- Familiar with FHA, HUD guidelines, and Foreclosure procedures.
- Achieved production and Quality Assurance goals and collected bonuses monthly.
- Service Customer Relationship Manager ( CRM ) accounts, take payments and provided general information about Modification status.
- Utilize Iportal, Home Saver, iSeries / AS400, Home Base, Lamp, IDEC, and Bankruptcy Notification programs to service loans on everyday basis.
0-5 years of experience
Review and analyze loan applicants’ credit histories, financial statements, and other financial information to make quality decisions on loans
- Work with team members to identify potential solutions/exceptions for loan files
- Interpret and analyze complex tax returns and financial documents
- Demonstrate ability to comprehend program changes and new program guidelines; Implement new changes in daily production immediately with minimal error rate
- Complete a quota of files set by management and maintain an error rate of less than 5%
- Interpret investor guidelines and utilize system expertise to maintain a QC passing rate of greater than 90%
- Provide superior customer service to both internal and external customers
6-10 years of experience
Responsible for the entire processing and insuring of conventional and government mortgage loans at a mortgage company located in Parsippany, NJ to include processing loan applications, reviewing borrower credit reports, verifying borrower income/assets, and ordering/reviewing appraisals, title policies, payoffs, and homeowner/mortgage insurance
- Reviewed all mortgage documents prior to closing
- Served as the point-of-contact for government underwriters through the Homeownership Center
- Submitted mortgage files through both DU/LP software and government websites
- Performed superior customer service for all mortgage borrowers via email, fax, and phone
6-10 years of experience
Provided superior service to diverse Hispanic customer base, answering inquiries, sharing detailed information, and resolving complex problems regarding billing, product, and/or service issues with prime, non-prime and home equity accounts. Expertly handled escalated requests and consistently exceeded customer expectations. Carefully chosen to be part of a select team responsible for translating key training/website materials and other official corporate documents to Spanish.
- Selected by management team to head up document translation for borrower research requests.
- Chosen to be part of select translation team responsible for editing, revising, and translating www.chase.com in Spanish.
- Spearheaded creation and implementation of bilingual glossary of mortgage terminology.
- Achieved perfect scores on customer satisfaction surveys on multiple occasions.
- Consistently exceeded corporate expectations regarding policy adherence and privacy protection.
0-5 years of experience
Processed mortgage files for refinance and purchase transactions
- Partnered with third parties top process insurance binders, clear title liens, and past due taxes
- Provided updates to member and followed-up with clear, concise answers to questions
- Performed initial lite underwriting on refinance and purchase files
- Consistent compliance training through internal channels and third parties
- Responsible for closing 15-20 files per month per volume
0-5 years of experience
Promptly responded to general inquiries from members, staff, and clients via telephone, mail, email, and fax.
- Process property claims insurance checks for branch associates and close out commit cases.
- Provided homeowners information on 1099 and 1098 forms for tax purposes.
- Addressed customer’s complaints, billing questions, payment processing, late fees, and mortgage documents.
- Explained and created escrow accounts, home equity line of credit, bankruptcy accounts.
- Processed Lien Releases, Mortgage loan corrections.
- Assisting other associates with questions.
- Train new team members and manage escalations.
0-5 years of experience
Answer inbound/outbound calls from account holders regarding the Reverse Mortgage product
- Negotiate repayment of delinquent property charges
- Document & maintain all system necessary for proper claim handling & follow-up.
- Manage all traffic of the claims inbox on a daily basis. Ensure all communications are handled effectively & timely
- Meet inbound and outbound call, repayment agreement, and other productivity goals
- Discuss liquidation options with all customers seeking full payoffs, short sales or Deeds in Lieu
- Customer Focus Award given by EVP for the month of September 2014
0-5 years of experience
Responsible for day to day operations of a portfolio of 250 active residential mortgages located throughout the country.
- Set up and maintain business relationships with law firms across the U.S monitoring, overseeing, and handling foreclosure actions within timeline guidelines
- Prepare and submit all accounts receivables and payables, document collections, scanning, preliminary due diligence on potential asset acquisition and disposal
- Collect and process borrower loan payments, monitor delinquency status, prepare and submit loan modifications/forbearance agreements
- Monitor and maintain business relationship with our mortgage servicer in handling loans, processing payments, escrow disbursements, mods, asset management
- Various communication with borrowers, including collection calls, customer service, day to day operations
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Mortgage Specialist
Last edited by: Gabriela Barcenas, CONTENT STRATEGIST -
Gabriela Barcenas
CONTENT STRATEGISTGabriela is a Certified Professional Resume Writer (CPRW) and career adviser. With 10 years of digital media experience and five years of resume writing expertise, her publication history includes fashion, education, travel, social justice, equitable design and career advice.
