Angelina Serna Email and Phone Number

Duties and Responsibilities:• Prepare required early regulatory disclosures including the new TRID early disclosure and the TRID closing disclosures• Review and verify that the application package submitted by the Borrower is complete. If necessary, provide Borrower with a Deficiency letter and applicable attachments. Field calls from Borrower, and other parties involved in the transaction with regard to the requirements and/or status of the file• Order Flood Certifications and verifies that a Flood I.D letter is sent to the Borrower if the property is located in a flood zone• Order personal credit reports, business credit reports and evaluates credit reports for credit quality. If necessary, request an explanation for derogatory/public record items• Order the DNBI reports, UCC search and coordinates with the UW for their review as required• Request OFAC Reviews• Order and review purchase contracts, escrow instructions and preliminary title reports with all supporting documents• Request and review entity documents and lease agreements and coordinates any deficiencies with the UW• Coordinate the ordering and/or receipt of all additional structural reports, environmental reports, appraisal reports, and leases required by the UW• Prepares the loan for final loan documentation preparation. This includes ensuring all input is complete in MortgageBot and all documentation is uploaded into Director

Review loans for completeness of loan package. Order services: FHA case requests, Data Verify, 4506 transcripts, payoff demands for all liens. Calculate self-employed tax returns. Open title, order payoffs, clear liens. Review appraisals and clear appraisal conditions. Requested VA appraisals through VA portal. Submit files for loan approval and clear conditions. Order loan documents and initial disclosures. Collect post-funding conditions. Work with loan officer and client to ensure transaction is done quickly and accurately. Enter all fees and or credits on itemization as well as enter all required figures to set up escrow accounts in itemization screen. Send out all CD’S or LE’S required in a timely manner in accordance with TRID guidelines. Work with title to clear liens and acquire subordination agreements.

Collaborated closely with account executives on obtaining necessaryconditions to complete each loan package.Adhere to strict regulations.Monitored information for accuracy and ensure time-constraints forfunding requirements are consistently met.Coordinated files from origination through to funding.Ensure that new mortgage loan packages are processed and completedper established policies and procedures. Ensures that all TRID regulationsare followed at time of opening file as well as at Rate Lock and ensuresLE/CD are sent out in a timely manner.

Responsible for Contacting Creditors, Collection Agencies, and AttorneyOffice to negotiate a reduced settlement on delinquent and/or charged offaccounts on behalf of our Clients.Calculate acceptable settlement amounts according to guidelines set forthby the department. Effectively manage an open queue of accounts toconsistently reach the monthly production goal set forth by management.Review client accounts to determine availability of funds. Gather andsubmit required documentation for approval and payment of settlementsand fees.Championed teamwork and collaboration. Utilize multi-tasking andcommunication skills to work through the account queue

Responsible for accurately moving the loan file from the Processing stagegathering all required supporting documentation for income, assets, clearany and all title issues, Disclose LE and CD, then moving to Loan Docs.Communicated loan status and or needs to Loan Officer's, Lenders, Title/Settlement Agent and operations staff.Perform all duties in accordance with all company guidelines and

Managed subordinate staff in the day-to-day performance of their jobs.True first level manager.Ensure that new mortgage loan packages are processed and completedper established policies and procedures. Ensures that all TRID regulationsare followed at time of opening file as well as at Rate Lock and ensuresLE/CD are sent out in a timely manner.Evaluate loans for accuracy, completion, and compliance withgovernmental regulations.Monitor processes for efficiency and effectiveness; provided topmanagement with recommendations for improvement.Developed and implemented training operations.Ensured that project/department milestones/goals are met and adheringto approved budgets. Had full authority for personnel actions. Extensiveknowledge of department processes

Responsible for underwriting loan files in accordance to accreditedlending policies.Qualitative loan criteria; income, credit worthiness, employment history,debt and loan-to-value ratios.Process loan starting with acquiring all prior to doc’s conditions, followfile do docs, and make sure all escrows receive docs.Review all returned files to acquire all PTF conditions, responsible forverification of Hazard insurance and or Flood insurance assuring thereis ample coverage of both if needed.Verify all employment and prepare said file for Funding, insuringturnaround time is within division standards.Work in conjunction with the Operations Manager, presenting loans toCorporateResponsible for all Broker Administration Duties within team.