Senior Loan Processor Resume

Desired Industry: Banking/Mortgage	SpiderID: 1879
Desired Job Location: San Jose, California	Date Posted: 2/11/2005
Type of Position: Full-Time Permanent	Availability Date: 2/10/05
Desired Wage: 50000
	U.S. Work Authorization: Yes
Job Level: Experienced with over 2 years experience	Willing to Travel: Yes, 25-50%
Highest Degree Attained: Other	Willing to Relocate: Yes

Objective:

Long term, career position in a team oriented corporate environment. Open to new paths in the Financial Industry as well as the Mortgage Loan Industry. A position with a stable firm and the ability to excel are most desirable.

Experience:

I have a variety of job skills to offer an employer. My main job qualifications are in the areas of Mortgage Loan Processing, Loan Origination, and Law Enforcement. I have a year of extensive experience as a high volume Mortgage Loan Processor and achieved my Loan Originator's credentials during that time. I have 6 years experience as a Sheriff's Deputy with Marin County Sheriff's Department. This experience taught me the importance of absolute attention to detail in all areas, especially paperwork. I received numerous Departmental Awards during my time with the Sheriff's Department. My Law Enforcement specialty was investigations. I have excellent skills in research and follow-up. I have the ability to interact positively with people of all different personality types. I also have a great deal of experience with wildlife rehabilitation. I spent 18 months in South Africa as a wildlife rescue and rehabilitation volunteer. I know that I would be an excellent asset to any company who wishes to hire a well rounded, open minded, and competent person.

I was a Lead Processor for a major brokerage firm. Worked directly with Lenders, Loan Agents, Title Companies, and Appraisers on many different types of loans. Extensive experience with Calyx Point System, vForms, and Credit Plus. Comprehensive knowledge of Disclosures, Compliance Issues, Tracking Log within Point System for Loan Agent updates. Worked almost exclusively with World Savings' underwriting team in Everett, R.O.C. Center and am very familiar with World Savings' Mortgage Loan Guidelines.

Education:
Santa Rosa Police Academy- Santa Rosa, CA / 1995
Peace Officers Standards and Training

Evergreen Valley Reserve Police Academy- San Jose, CA / 1992
Peace Officers Standards and Training

West Valley Jr. College- Saratoga, Ca / 1982-1983
Administration of Justice, Photography, French Studies

De Anza Jr. College- Cupertino, Ca / 1983
Administration of Justice, Firearms.

Skills:
SPECIALIZED SKILLS:

I am proficient with the following software packages:
Calyx Point Loan Origination Software
Adobe Acrobat Publishing Software
Microsoft Windows 200 Professional
vLoanPort vForms Data Integration Software
Microsoft Office 2000/2002
Microsoft Windows XP

My skills also include the following:

Computer Skills in a Corporate Network environment
Digital Copiers
FAX including mass Faxing
Calculated Industries loan calculator products
Ten-key
Type 55 words per minute

Additional Information:
*Submitted 40+ loans per month. 80% to World Savings, 20% to Sub-Prime or other A Paper Lenders. Thirty five loans funded per month average. Average funding time of 21 days, dependent upon Lender and their requirements.

*Processed Refinance, Purchases, and Inter-Family Transfers. Some loans required Subordination on Borrower's current 2nd mortgage. Extensive knowledge and experience with Option ARM, Fixed Rate,
Interest Only and HELOC loans. Processed loans utilizing both Stated Income and Full Documentation requirements.

*Opened Escrow, ordered Title Reports, Payoff Demand Statements, and Estimated HUD form Title Company. Pre-Complianced all Disclosure Forms received form Originating Agent. Re-Disclosed on any missing, incomplete, or incorrect forms and reissued to Agent.

*Ordered Appraisal, Septic, Water Probability, Pest Inspection (Florida), Re-Inspections, Verification of Mortgage and written documentation of Verification of Employment when necessary. Imported new files from Calyx Point Software and ordered the Borrower's Credit Report from Credit Plus.

*Copied and shipped files to Lenders using TransBox Services, with the exception of World Savings, as they require only forms 1008, signed 1003, and Borrower's Credit Reports be faxed to their underwriting teams.

*Daily contact with Agents, Lenders, and Title Companies answering all questions related to loans currently in progress and informing Agents of any follow-up requirements. Maintained detailed records of all
contact with all parties. Included email sent and received, telephone conversations, and hard copy correspondence. All communication and
details of each loan recorded in Point's "Conversation Log" to eliminate misunderstandings.

*Received Conditional Loan Approvals with Lender's conditions and met all requirements for both Stated and Full Documentation Applications.

*Ordered Wire Transfer instructions and Closing Protection Letter from Title Company at Lender's request, forwarding the required documents. Upon Borrower's and Agents meeting all Lender's requirements, I received, completed, and signed the "Broker Demand Statement" with was then faxed back to the Lender. Adjusted "Truth and Lending", "Good Faith Estimate", "California Commitment Agreement", and "1003 Application" to reflect any needed corrections or changes in regards to the Interest Rate, Terms, and/or compensations requested by the Agent. Handled all "Re-Draws". Ordered updated Title Reports and updated signatures on the form 1003 when required by Lender. Confirmed Title Company followed through in sending Lender "Voided Note and Deed" so Re-Draw could be completed.

*Faxed or emailed Final Disclosures to Title Company, using vForms and Microsoft Outlook, for the required signatures at closing. Requested, for Compliance requirements, that signed originals be returned with the HUD after Funding/Recording. Received HUD from Title Company and Complianced Funded files to meet all legal and All Fund Mortgage brokerage requirements. Contacted Title Company requesting any necessary corrections to HUD ensuring final file conformed to Compliance Standards. Updated Point System "Tracking Log" to reflect dates on which the Credit Report, Title, Appraisal, etc. were ordered. Updated "Documents Out", "Loan Funded", Loan Recorded", and "Loan Closed" sections to assist with the company's monthly Tracking Reports.

*Completed and printed all necessary "Declined" Forms in all software programs to properly close all Declined Files (Compliance requirement for All Fund Mortgage).

Reference:
PROFESSIONAL EMPLOYMENT HISTORY:

All Fund Mortgage- Tacoma, WA
Senior Lead Processor-Independent Contractor / 2003-2004

Lead Processor for a major brokerage firm. Worked directly with Lenders, Loan Agents, Title Companies, and Appraisers on many different types of loans. Extensive experience with Calyx Point System, vForms, and Credit Plus. Comprehensive knowledge of Disclosures, Compliance Issues, Tracking Log within Point System for Loan Agent updates. Worked almost exclusively with World Savings' underwriting team in Everett, R.O.C. Center and am very familiar with World Savings' Mortgage Loan Guidelines.

Marin County Sheriff's Department- San Rafael, CA
Sheriff's Deputy-Field Training Officer / 1995-2001

General law enforcement duties, court testimony, report writing, investigations, data entry on several criminal related computer systems (Federal and State of California), arrests, bookings, background investigations, undercover assignments, specialized training, direct supervision of inmates who are in a jail and courtroom environment. Was a Field Training Officer for new Deputy Sheriff recruits, and the Secretary of Marin County Deputy Sheriff's Association.

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