Ann Moran Email & Phone Number

Saint Johns, Fl, Us

Jacksonville, Florida Area

Saint Augustine Fl

Sr Loan Processor

Jacksonville, Florida Area

Scottsdale, Az/Remotely-Worked From Home In Fl

01/07/2013- 07/01/2015 Sr. Account Manager III LoanDepot.com, LLC- Reviewed loan applications prior to underwriting submission, reviewed signed legal disclosures, reviewed title reports to ensure no tax liens/judgments, flood certification, hazard insurance declaration page -Reviewed income, trust certs, tax returns (personal & business 1065, 1120s, 1120, K1s), payoffs, credit (revolving/installment accounts, judgments, collections, charge offs, liabilities) appraisals-provide high quality service to clients and walking them though the mortgage application process -called out underwriting conditions to borrowers, explained the reason documentation was required by underwriting/title company-payed close attention to detail and reviewed all documentation for accuracy-request HUD settlement statement from escrow officers -prepared closing documents and ensure that the file is funding ready (obtain a credit refresh report, verification of employments, contact insurance companies to request for mortgagee clauses to be updated and double check documentation to ensure RTC date, closing date and funding dates are accurate)-Process FHA, Convention, DURP, High balance, TXA6, Jumbo and Open access loans-managed a large pipeline (60+) of various products while meeting product specific turn time requirements-Maintained daily contact with customer, mortgage banker, credit report vendor, title/escrow representative, underwriting department, funders, notaries -reviewed Investor guidelines in a monthly basis to ensure I was up to speed on changes made

Phoenix, Arizona Area

11/01/2009- Present Sr. .Mortgage Loan Processor JPMorgan Chase Bank- Process and prepare for closing, mortgage loans (conventional refinance) under various loan programs in accordance with policies & procedures-Work directly with customers to achieve an ideal customer experience-Review rate lock and point objectives for accuracy-Check documentation for accuracy and potential problems-Order title insurance, flood and tax certificates and surveys, reviewing for problems upon receipt-Review all documents, prepare and calculate income and assets thoroughly before submission to underwriting-Manage pipeline via weekly pipeline report-Handle complex files7/2005 – 10/31/2009 Mortgage Consultant JPMorgan Chase Bank -Consultative selling of first mortgages to Spanish speaking customers (Purchases, Refinance, Home Equity, Manufactured Housing Loans), in a telephone environment.-Proactively converted sales leads into mortgage loan applications.-Recommend optimum product / rate program combinations to prospects based on their financial goals-Collect all necessary documents for loan package and provide them to loan processor-assist loan processor gathering additional conditions required by underwriting department

Associate’S Degree, Computer Programming, Associates Degree

C++, Photoshop, Microsoft Power Point, Front Page 2000, Visual Basic 6.0, Microsoft Excel

High School

Activities and Societies: Student Council, ROTC, Future Farmers of AmericaSenior Class Vice President, School Mascot, Soccer, ROTC