A Mortgage Processor is in charge of processing loan applications for the acquisition of real estate. The following are the primary roles and responsibilities associated with this role: interviewing loan applicants, assisting clients in selecting the appropriate mortgage options, approving/rejecting loans; reviewing loan applications, evaluating the application after considering employment status and source of income; calculating credit scores of the applicant; and verifying the accuracy of the information depicted.
Resume Template: 1
Mortgage Processor Resume: 1
Richard D. Harding
Laguna Beach, Los Angeles
(123) 4567890
Summary
Mortgage Processor skilled in all aspects of loan processing, customer relationship building, project management, and technical assistance. Capable of working with all members of a team to achieve organizational goals and objectives. Helped to streamline and improve procedures, increase productivity, and implement solutions.
Experience
Company A, Mortgage Processor
- Responsible for gathering and ensuring that all documents needed for loan filing are complete and in compliance.
- Working with each customer to gather all documentation, ensuring that all documents are accurately signed and dated as necessary by the investor/lender and government for final loan approval and clear for closing status.
- Verifying income and employment paperwork to ensure ratios are in line with loan program standards and loan-to-value is in line with loan requirements.
Company B, Mortgage Processor
- Gathering all closing papers, including mortgagee clause adjustments for homeowner’s insurance.
- Verifying all bills and fees required for closing, ordering the closing package, and ensuring that title to the subject properties is clear.
- Financing is in charge of following up with title and lenders to ensure that the loan is in compliance and that funding permission has been achieved.
Company C, Mortgage Processor
- Examine papers to ensure that all necessary documentation and disclosures are present.
- Analyze credit accurately, compute income, and evaluate assets, liabilities, and collateral in accordance with agency and investor guidelines.
- Responsible for reviewing underwriting circumstances and obtaining underwriting documents.
- Have a thorough understanding of lender/investor restrictions and needs.
Education
Florida State University
Masters in Computer science
Certifications
- Certified Public Mortgage Processor
- Certified company Mortgage Processor
Skills
- Mathematics
- Microsoft Office
- Customer Relationship Management
- Analytics
- Customer Service
- Time Management
Resume Template: 2
Mortgage Processor Resume: 2
Richard D. Harding
Laguna Beach, Los Angeles
(123) 4567890
Summary
Enterprising and clever individual with a deep understanding of basic business concepts, demonstrable success in loan processing, and considerable mortgage sector expertise. Consistently focuses on producing value-added outcomes for clients.
Experience
Company A, Mortgage Processor
- Examine conventional, FHA, and VA loan submissions for completeness and compliance, including 1003, credit report, income and asset paperwork, purchase agreement, and title report, for completeness and compliance.
- In both desktop underwriter and loan prospector, read and analyze automated underwriting decision findings.
- Maintain positive working relationships with both internal and external clients.
- Before sending loan applications to underwriting for assessment, ensure that they comply with agency and government criteria.
- Examine loan terms and conditions and sign off on them as required.
Company B, Mortgage Processor
- Process the papers received for each file, ensuring their accuracy and completeness.
- Ensure that all client files are complete and that they are in accordance with regulatory authorities and corporate regulations.
- Create, manage, and update periodic internal reports’ files, databases, records, and/or other documents.
- Collect needed papers from applicants and follow up on any things that are missing.
- Communicate with internal and external business partners and establish professional relationships.
Company C, Mortgage Processor
- To ensure client satisfaction, schedule the closing, get mortgage insurance certificates, and make a post-closure call.
- Submits a mortgage loan file that has been authorized to a mortgage loan closer for settlement.
- Assist borrowers in determining the best mortgage purchase or refinance choice for their financial success.
Education
Florida State University
Masters in Computer science
Certifications
- Certified Public Mortgage Processor
- Certified company Mortgage Processor
Skills
- Management
- Basic Leadership
- Management Development Course
- Licensed Insurance Agent
Resume Template: 3
Mortgage Processor Resume: 3
Richard D. Harding
Laguna Beach, Los Angeles
(123) 4567890
Summary
Mortgage Processor for [organization name] with extensive expertise and experience in mortgage banking and customer service. Ability to efficiently and effectively access, research, and address problems.
Experience
Company A, Mortgage Processor
- Depending on the loan type chosen by the customer, enter all application data into the relevant software.
- Examine different loan products, price, and ltv ratios for all clients.
- Orders appraisal reports and communicates with appraisers to ensure all appraisal reports are received on schedule.
Company B, Mortgage Processor
- Orders title reports and communicates with title companies to ensure that all title requests are received on schedule.
- Keep an eye on all loans in the pipeline to avoid any delays or disruptions from registration to closure.
- When new or updated loan information is obtained, notify the mortgage specialist, sales opener, or underwriter.
Company C, Mortgage Processor
- While reviewing applications, property specifications, and documentation, I interpreted policies.
- Ordered the necessary verifications and followed up with customers and internal contacts as needed.
- Based on credit risk policy and processes, I made smart business judgments.
- Performed high-volume, time-sensitive loan documentation activities such as researching and problem-solving to guarantee customer loyalty, quality, and timeliness criteria were met.
Education
Florida State University
Masters in Computer science
Certifications
- Certified Public Mortgage Processor
- Certified company Mortgage Processor
Skills
- Mortgage Processing Systems Such As Encompass, Empower, Processing.
- Mortgage Loans And Very Knowledgeable With Guidelines And TRID.
Resume Template: 4
Mortgage Processor Resume: 4
Richard D. Harding
Laguna Beach, Los Angeles
(123) 4567890
Summary
Professional Mortgage Lending Processor with extensive understanding of conventional and government loan programs seeking new career opportunities with a secure, yet competitive financial institution.
Experience
Company A, Mortgage Processor
- Proven ability to process federal, conforming, and/or non-conforming loans.
- Served as the customer’s primary point of contact during the loan transaction.
- Requested and obtained the necessary paperwork while maintaining a high level of customer care on a continuous basis.
- Prepare and ensure that loan data on the processing system is correct, full, and timely.
- A variety of loan products are responsible for creating mortgage loan files by examining, clarifying, and collecting more loan application information.
Company B, Mortgage Processor
- Additional documentation was requested, examined, and given to loan underwriters for evaluation.
- Through federal home financing programs, I confirmed the client’s eligibility as a homebuyer.
- Examine and evaluate exception reports to ensure that all tasks are accomplished and that the deadline is met.
- During the home-buying process, I reviewed and authorized sensitive documents for customers.
- Handle information confirmation duties such as contacting verification sources and mailing verification forms.
- Perform loan validation in automated underwriting systems such as lp and du and send to underwriting.
Company C, Mortgage Processor
- Assign a closing date and a disbursement date, as well as a list of any conditions specified to the title firm.
- Check that the good faith estimate accurately revealed all fees in order to keep within the rep’s tolerance, and amend or add accordingly.
- Funding is being prepared, information is being wired, and documentation is being obtained in preparation for the booking procedure.
- Following funding, deliver a signed closed package to the investor, clear any outstanding conditions, and provide a collateral package to an investor.
- Get purchasing recommendations, finish the HMDA report, submit final papers, and conclude the file.
- Obtains and confirms that all underwriting conditions have been received and cleared by the underwriter before submitting the file to the closing department.
- Once the loan has been approved, it is the processor’s responsibility to send a missing items letter to the lender and borrower.
Education
Florida State University
Masters in Computer science
Certifications
- Certified Public Mortgage Processor
- Certified company Mortgage Processor
Skills
- Encompass
- Microsoft Word
- Microsoft Excel
- Microsoft Powerpoint
- Quickbooks
- CMS
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