Elisa Hackworth Email & Phone Number

Plano, Texas, United States

Farmers Branch

Ft Worth

****Top processor out of the entire company for 2014 3rd quarter*****
Managed a pipeline of 30-45 loans, which consisted of FHA, VA, Conventional, USDA, BOND loans (all purchases)
Worked with builder on determining when closing would take place and to make sure loan approval was on track to make closing deadline
Responsible for setting up file, submitting to underwriter for conditional review; once underwriter provided conditional approval, called client went over needs list and confirm closing date, if suspended worked with customer and loan officer to remedy suspense (most of the time this meant flipping the loan product or having the buyer pay down debt for ratios to be within guidelines)
Ordered VOE’s, VOD’s,VOR’s,credit supplement’s, VOM’s ,TRV’s, W2 transcripts, Social Security Direct Check, MI Cert, USDA certs, Title, Hazard and Flood Insurance
Verified income (calculated income via income worksheet) made sure W2’s/ 1099’s in file matched up with TRV’s
Ran DU,LP or GUS on every file- made sure ratios matched and findings came back eligible
Order COE’s ,restored entitlement when needed, order FHA case numbers,CAIVRS
Ordered appraisals, final inspections, Termite Certs 99a/ 99b, Builder Permits and COO’s
Documented files weekly on status for management reporting
Reviewed sales contracts, bank statements, credit documentation ,ect for credit approval

Irving

Responsible for managing a pipeline of 130 loans consisting of FHA, VA, Conventional, USDA, HARP, JUMBO, Refi/ Purchase money, CEMA’sExceed goals every month by closing over 30+ units Disclosed GFE’s correctly throughout the loan process according to RESPA guidelines (lock, lock extensions, valid change circumstances)Authority to sign off on title, disclosures, HOI, HO6 polices, reviewed assets for large depositsMade sure conditions sent in by broker satisfied conditions requested by underwriter if needed additional items contacted broker and advised what items were needed and whykept track of pipeline by following up with the broker via calls and emails to make sure target dates were met and loan was within guidelines, set expectations on when conditions were needed to have file CTC within time for docs to be drawn for closingVerification of loan documents including but not limited to income, credit, appraisal, title, insurance, assets Communicated with AE and business partners on status and issues on loans during the loan processCompleted compliance checks, VOE’s, LDP, GSA, Internal CEMA Transfers, Max cash worksheets,Fraud checksReviewed findings to verify correct MI coverage, transfer MI on existing MI certs and disclosed within guidelinesScheduled closing and went over final numbers with brokerDisclosed PRELIM HUD numbers within GFE tolerance throughout loan processAssisted in training new processors and new AE’s when needed on processors day to day workflow (trained offshore help as well)Reviewed credit- made sure all open trade lines were updated on 1003 and reported on credit within proper time framesTransfer case numbers &assigned FHA case numbers, Ran CAIVRS on FHA applicants & VARequested Appraisal revisions through REALECRan DU & LP once data was updated in TMO to make sure loan was approve eligible prior to submitting for final review, if not, got with the broker to attempt to remedy issues if possible or look into changing loan product

Knowledge in RESPA, MDIA and HMDA regulationsPrep loan submissions for underwriter’s review, responsible for continuous reviews up until closingWorked with A paper Loans, FHA and VAEvaluated conditions and determined if acceptable prior to underwriter reviewOrder flood certs, tax and W-2 transcripts- completed VOE’sResponsible for verification of data integrity and compliance throughout the underwriting processAssisted underwriters while other processors were out of the office and trained new hires

Specialized in default loan management, including loss mitigation work and provided data for investor reporting and analysis

Specialized in default loan management, including loss mitigation work and provided data for investor reporting and analysis